vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Professional Debt Mediation, Inc.
State: NY

Complaint narrative:
This is not my debt, and I never owed this money. I have been trying to get this account off my credit report for years. 

On XX/XX/2018 I received a response from Professional Debt ( XXXX XXXX XXXX  ) stating they were removing this account from my credit reports and it could take up to 60 days to reflect. This account is still showing on my XXXX report 6 months later. 

I want this removed from my XXXX report 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 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are 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 2019-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
I paid XXXX XXXX XXXX   XXXX on XX/XX/2018 a medical debt which I had disputed. I felt like it was easier to just pay them. However, the debt collection calls have continued. On average, I receive 4 calls a day from XXXX. I contacted XXXX. They confirmed that the debt is paid-off. Every time I talk with them, they tell me that the calls will stop and I would be removed from the call list. However, the harassment has continued for over two months. Some of the recent calls came from : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. The XXXX is an alias for XXXX XXXX XXXX. The XXXX website is hosted on the same webserver as XXXX. XXXX and XXXX both operate from XXXX, FL and XXXX, OH. 

I confirmed on XXXX that the XXXX  debt was paid during two separate calls. I was told that it would be updated and the calls would stop. However the calls continue to persist daily at all times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This account was open in XXXX of XXXX - I do not owe this debt as I was not a legal signer or co-signer of this auto loan. I did not have a valid Drivers licence or ID at that time even if I wanted to sign for it. Regardless of that the purchaser of the vehicle received documentation showing the repossessed vehicle was being sold at auction and he would be responsible for the remaining balance. The balance has not been reflected to show the purchased amount of the vehicle ( which cleared the {$2600.00} remaining amount that was owed on the vehicle that STILL shows on MY report ) - and was closed out XX/XX/XXXX which makes it over the legal amount of time this debt can be reported on my Credit report. It still shows on my Equifax credit report with a balance due, the wrong date opened, along with a whole slew of incorrect information which the XXXX XXXX nor XXXX XXXX has attempted to change or verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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:
I have a credit card with XXXX/XXXX. I have always made all of my payments on time. One day I decided to check my fico scores with all 3 major credit bureaus, and I realized that there was a late payment on my XXXX, XXXX and XXXX  credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting the 3 credit bureaus and XXXX/XXXX with no successful resolution. XXXX, XXXX, and XXXX   only reporting me 30 days twice in XX/XX/XXXX and XX/XX/XXXX, this was definitely an error on their part. I was never late 30 twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
I inquired on buying a truck from XXXX XXXX XXXX in XXXX, AL. I asked the finance guy not to send my information everywhere. He said that he wouldn't. My credit report shows he sent my information to four different places on XX/XX/2018 and five different places on XX/XX/ 2018. I have exhausted almost every avenue to fix this issue. PLEASE HELP!!! -XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
I keep getting phone calls from a debt collector looking for my ex-wife. Her name is not associated with my cell phone number and they should not be calling me about her debts. I blocked the phone number the debt collector called from and now they call me using an unknown number so the phone call will still go through, leaving harassing messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
I have had a mortgage with Fay Servicing , LLC and I asked and filled out all paperwork required for a loan modification because of a severe medical problem, I just can not make the payments because it is a variable rate interest only loan and the payment keeps going up beyond my ability to pay on time. We contacted them on XX/XX/XXXX and filled out all paperwork they gave us, then they did not respond at all for 3 weeks and after I attempted to contact them 3 times, they ignored my requests. I then sent them in a final package of paperwork which they said they never got ( stall technique ) I then found the USPS date of delivery of XX/XX/XXXX and it was delievered to them. They are not communicating back in a timely manner and I can not make my payments any longer. They are dishonest and deceptive in trying to stall our requests hoping we go away. I need immediate help to get them to accept our modification as it was written. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX Submitted on fraud issue since Equifax ignored the reason for complaint, that I want financial compensation for Equifax ILLEGALLY freezing my account when their self serve was broken.

Today I got a letter stating that Equifax UNFROZE my account per the last complaint. They don't know what they're doing and they once again acted ILLEGALLY by removing the freeze. 

XXXX ID XXXX refused to tell me who at Equifax removed the freeze and he didn't understand the notes that are on the account. 

I had him reinstate the freeze. 

I WANT DOUBLE financial compensation for Equifax 's illegal activity on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a credit card with XXXX. I have always made all of my payments on time. One day I decided to check my fico scores with all 3 major credit bureaus, and I realized that there was a late payment on my XXXX, TransUnion and XXXX credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting the 3 credit bureaus and XXXX with no successful resolution. XXXX, TransUnion, and XXXX   only reporting me 30 days twice in XX/XX/2017 and XX/XX/XXXX, this was definitely an error on their part. I was never late 30 twice.

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 2019-02-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a credit card with XXXX. I have always made all of my payments on time. One day I decided to check my fico scores with all 3 major credit bureaus, and I realized that there was a late payment on my XXXX, XXXX  and Equifax credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting the 3 credit bureaus and XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me 30 days twice in XX/XX/2017 and XX/XX/XXXX, this was definitely an error on their part. I was never late 30 twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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:
I have a credit card with XXXX/XXXX. I have always made all of my payments on time. One day I decided to check my fico scores with all 3 major credit bureaus, and I realized that there was a late payment on my Experian, XXXX  and XXXX  credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting the 3 credit bureaus and  XXXX/XXXX  with no successful resolution. Experian, XXXX, and XXXX  only reporting me 30 days twice in XX/XX/XXXX and XX/XX/XXXX, this was definitely an error on their part. I was never late 30 twice.

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 2019-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I contacted Transunion disputes department on a recorded line on XX/XX/2019. My dispute was refused because they have never heard of the law in the state of Alabama where a minor is considered to be anyone over the age of 19. I offered to send in the information but he still refused my claim.

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 2019-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/2018, I invested money into XXXX XXXX XXXX XXXX through a broker I found online. I did research on the company to make sure that the company was legit in order for me to invest. After I proved that the company was legit, I invested a total of {$210.00} to the broker ( named XXXX XXXX ). After that, he told me his " boss '' was going to give me a call to tell me what the next steps we're and to congratulate me on my investment ( named XXXX XXXX ). After some time passed, the broker contacted me about my profits ( total profits of {$3200.00} ). I was then told afterward that I had to pay {$500.00} in taxes in order for my profits to be released to me through XXXX XXXX to the companies " tax attorney '' ( XXXX XXXX ). I sent the payments through XXXX and XXXX XXXX through my phone. I sent one half of the payment through XXXX and the other through XXXX XXXX. The contact 's email is : XXXX I didn't pay the taxes and never received my money. I contacted my tax person and he confirmed that I do NOT have to pay taxes to get my profits paid out to me. People he knew invested in that company but never paid any tax for their profits to be released. I was scammed of {$210.00} and I never heard from the people again. I leave the documents or " contracts '' sent to me here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma, LLC
State: FL

Complaint narrative:
On or around XX/XX/2019, and entity created an account with Credit Karma, using my SSN and name, to gain access to my credit report/history. Then subsequently begin attempting to open credit card accouts with that information. 

I can not login to Credit Karma using my own SSN as a fraudulent account already exist with a fraudulent email address. Credit Karma has not fraud line or phone number of any kind for anybody. They handle ALL support related issue via one automated email account : support@creditkarma.com.  They are know to be very unresponsive via the portal of communication, weeks and months. For a credit reporting entity this is completely incomprehensible and downright negligent/incompentant. 

Timing is of the essence with ID Theft, at this point, this has a continueal portal to review my credit, my accouts, everything. And I seemingly have no recourse to resolve this with Credit Karma.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: Trident Asset Management, L.L.C.
State: NC

Complaint narrative:
Trident Asset Management has been contacted on several occasions regarding a debt in the amount of {$140.00}. I was informed by XXXX in early XXXX that I do not have any past due bills/accounts with them. Therefore the collection account was removed from my credit report on XX/XX/XXXX. This account has re-appeared on my credit file as of the end of XXXX. I have sent numerous correspondence to Trident Asset Management regarding this negative account. In addition, they have failed to respond and update the account on my credit file as disputed. I am demanding for it to be removed as they have no proof that this account belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Lease was a 36 month agreement, starting XX/XX/XXXX with  Chase Auto Finance with myself as the cosigner and my father as the main signee. In XX/XX/XXXX, my father XXXX   XXXX due to XXXX. Rather than sending further bills to myself, Chase stopped sending the bills despite the lease being pay bill by mail. I called on XX/XX/XXXX and paid by phone after dealing with a customer service representative who assured that all bills would be sent to myself till lease was completed. Instead, however, they continued to refuse to send the bill, all while charging me and adding late fees to my account. They additionally marked myself as having delinquent payments and tanked my credit rating despite never contacting me at all in those months, nor trying to collect. They only got in contact with me on XX/XX/XXXX to try to threaten me with taking me to loan collections, months after they'd already said they'd send me the bills and failed to do so. Further phone calls reiterated that while they had messed up, they refused to do anything about the marks applied to my credit rating as well as blamed me for their failure to send the bill, stating that it was something I could mail in despite never receiving said bill. I paid the next day by providing my bank account information in a call with Chase Auto Finance. On XX/XX/XXXX, they called again to ask about a late payment for yet another bill, despite having said they'd send the bill on the XXXX back when I talked with them and that I had tried to pay everything off just a few days earlier on the phone. 

I inquired then as to the black marks on my credit rating that they had applied, and their response was to to effectively tell me that it was not their problem, and that I was to blame as I could 'send the payment in by mail ' despite Chase Auto Finance never sending said bills. They fully expected me to pay bills off without receiving any and got defensive when I asked how they expected me to pay by mail without ever receiving said bills before terminating the call. Chase Auto Finance has made it clear that they do not care about keeping their end of any agreement signed.

Company response to consumer: Closed with non-monetary relief