vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-08 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:
I initiated a dispute on my Equifax credit report. The debt was charged off by XXXX the original creditor on XXXX. Apparently XXXX XXXX XXXX  purchased the charged off debt. I have no contract with XXXX XXXX XXXX. Equifax sent me a confirmation in writing that the debt was valid. Equifax publishes a phone number to give additional information and to discuss the dispute with a person. The number they give is XXXX. This number has no options to discuss the dispute with a customer service representative. It just makes you go in circles and disconnects you. This is not fair to the consumer. I have tried several numbers found on the internet for Equifax and all of them are dead ends. I want a representative of Equifax to explain to me what information they received from the debt collector and what their reasons are for saying I owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
I received a letter from a collection company fall Collection Information Bureau , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX. I recieved the letter on XX/XX/19 for a billl i was not aware of, because i already paid my hospital bill that for XXXX in full. The representative that i spoke with from XXXX XXXX XXXX , IXXXX goes by the name of XXXX, he said he didnt have an employee ID. He was really and extremely disrespectful put me on excessive hold without requests and not willing to negotiate or answer simple questions as little as did he purchase my debt. The actual worst representative ever spoken to. Really rude and actually hung up the phone in my face stating Ive been doing this for 30 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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 contacted Transunion on XX/XX/XXXX to request a dispute of the 2 accounts listed on my credit report, XXXX XXXX ( {$1400.00} ) and XXXX ( {$2200.00} ). Both accounts are not mines and are fraudulent. I contacted Transunion on XX/XX/XXXX to dispute, the collection account from XXXX XXXX XXXX ( {$700.00} ) and two inquiries on my credit file, both as a result of fraud. The two agencies that request my information are XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. I received a letter from Transunion stating my dispute would take an additional 15 days. This is in violation on the FCRA because they are separate accounts and dispute. The FCRA only allows an additional 15 days if the account is repeatedly being disputed. Furthermore, I submitted a dispute on XX/XX/XXXX disputing XXXX ( {$1900.00} ), which is another fraudulent account. There are laws regulated by the FCRA regarding disputing. Since I am a victim of fraud, I requested verification of these alleged debt and not simply automatic verification through a dispute system. I am requesting a copy of original documentation under Section 609 ( 2 ) ( 1 ) ( A ) and Section 611 ( 2 ) ( 1 ) ( A ) a consumer contract with my signature on it to verify the alleged debts. These items are required by law to protect me as an identity theft victim. I simply would like my credit restored pursuit to the FCRA. I understand Transunion handles millions of consumer 's credit file ; nevertheless, I am an individual and relentless to restore my credit, as well as dispute fraudulent accounts listed.

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 2019-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I keep getting calls from different numbers claiming to be HSBC or Household representative bank and they are trying to collect a debt from a credit card they claim I " may have had '' prior to bankruptcy. I told them my bankruptcy was settled and paid and there were no outstanding debts, they insist I owe this and the bankruptcy only paid interest and not the principal. They keep saying the woman XXXX XXXX is my contact. She keeps claiming cops are coming to my place of work to arrest me, they've even called my husband. the most recent number is XXXX and they will NOT mail me anything that I ask for,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Checkr, Inc
State: OH

Complaint narrative:
Hello, I have never lived in Massachusetts. How do I remove this completely that have my name afflicted with anything in Massachusetts? 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: TX

Complaint narrative:
In XX/XX/XXXX, I submitted disputes to XXXX, Equifax and XXXX requesting the deletion of all medical collections from my credit report and Equifax assigned dispute # XXXX. I submitted another dispute XX/XX/XXXX and was given the same dispute # from Equifax which lead me to believe nothing had been investigated and nothing was going to be investigated. I attempted to access the link that they sent me and upon troubleshooting multiple times kept getting the error message " Sorry for the inconvenience, currently service is unavailable. Please try again later. '' I submitted another dispute just recently to see if that would work and the only thing that it did was finally create a different dispute number but the link for status still does not work. I contacted their office and was told the information could be given verbally and could not be sent via email only by mail. When asked why a result email option would not be available, wasn't provided any additional details. Tried calling this morning XX/XX/XXXX and was looped around the system for 45 minutes. After the system hung up on me, I called back and was told that their systems are updating so I would have to call back in 30 minutes to an hour. This lack of investigation is hindering a refinance and should have been completed in XX/XX/XXXX so we would not have reached this point. The service that I have received thus far is a complete joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: KY

Complaint narrative:
The company is XXXX XXXX XXXX. We had an issue with our account being compromised so that account closed and there fore the check didnt go thru. We had moved and didnt have the funds then to pay it. Well mid 2018 there collections dept called and threatened to file criminal charges on my husband. 1 being theft and then the second being theft by deception. We set up a payment arrangement to pay it off. They didnt need to threaten criminal charges we just couldnt find out how to pay it til they called. Well I have worked in collections before and knew that was not ok. This morning some one called looking for my son in law and told me it was important and that there was a case pending against him in XXXX county. I get the number and my son in law calls and they tell him the same thing. That they are going to file criminal charges against him if he doesnt pay this. I looked up the laws and this is clearly a violation. We dont have any receipts because this was 3 years ago for these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: FL

Complaint narrative:
AGENY IS REPORTING FALSE INFORMATION BY CHANGING THE OPEN DATE ON THE CREDIT REPORTS. THAT'S AGAINST THE REPORTING ACT LAW

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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:
Equifax you validated an alleged account XXXX  XXXX XXXX  that claims to be sold or transfered in your own credit report it does not state in dispute and seems to be sold while in disputeXXXXr XXXX XXXX you state updated validated but not by legal owner that is not reporting this alleged account therefore you did not validate anything, no date of last payment warrents removal of alleged account, no closed date, shows XXXX bal but shows no payment this is not accurrate reporting remove this alleged account not being reported by its alleged owner documents of proof enclosed 15U.S.Code1692 { e } false or misleading repersentation, by you equifax reporting this alleged account you fall under a debt collector.XXXX XXXX XXXX, XXXX United States District Court Azizona XXXX Court rules reporting on a credit report making you a debt collector that is why you equifax fall under 15 U.S.CODE 1692 { e } false and misleading repersentation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XXXX XX/XX/2019, credit card company sent me a letter asking for further information regarding my dispute with Sears for a charge of {$140.00}. I ordered a XXXX XXXX  10 inch sliding Compound Miter Saw ( Order Number XXXX ) on XXXX XX/XX/2019. Sears shipped the item on XXXX XXXX and I received it on XXXX XXXX of this year. 
On XXXX XXXX, I contacted Sear Member Services via their chat line ( XXXX -- Sears Case Number : XXXX ) informing them that the item was defective. Specifically, the saw blade would not align with the kerf box. If the saw was activated, it would destroy the rubber siding of the box and cause injury to the user. I requested return instructions. 
I was assured by operator XXXX that I would receive a return shipping label within 24 hours. None arrived. Subsequently, I received the same assurances from operator XXXX on XXXX XXXX then operator XXXX on XXXX XXXX. No return label or instructions were received despite my repeated attempts to secure one. 
On XXXX XXXX, operator XXXX again promised a label -- - none arrived. On XXXX XXXX, operator XXXX repeated the same response without effect, no label. On XXXX XXXX, operator XXXX stated that the merchant has been in contact with you. I told him that no one was in contact with me and that the item still sat in my house. 
On XXXX XXXX, I received an email from XXXX stating that we have escalated your issue to the higher authority so that they can investigate the issue and assist you further. On XXXX XXXX, I once again went to the Sears chat line and operator XXXX told me that Sears marketplace guarantee would cover the entire {$140.00} dispute. 
I received the return shipping label via email that afternoon. Following instruction sent with the label, I went to XXXX and placed the shipping box inside another box at additional cost of {$37.00} and sent it to XXXX, SC ( Tracking Number XXXX ). It arrived on XXXX XXXX. 
I have hard copy documents to support each of the actions I have taken to return this defective item. If you desire, I can send them via surface mail. 
The credit card company had held the payment in dispute then reversed the credit stating that I still had the item. In reality, the seller informed the credit card company they had not received the item the same day they sent me return instructions. I paid the bill, but I have received no assistance from either Sears or the credit card company to credit me for the cost of the item plus the shipping.

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 2019-04-08 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: Nelnet, Inc.
State: NY

Complaint narrative:
Dept Of Ed/Nelnet CLOSED This account has been closed since 2003 and every few years it gets updated with wrong information. Today I noticed that the closed account has been updated with yet again mis-information about me paying {$79.00} a month. 

This is wrong and I need this account remove from my credit report. I never paid {$79.00} a month on this account and why is it updated with wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I have sent two certified request to Portfolio Recovery for a claimed debt owed to XXXX XXXX, however, the only credit card I've had with XXXX XXXX  was settled in full, as it appears on my credit report. I mailed a debt validation letter to them on XX/XX/XXXX which was notarized and certified. Portfolio has neglected to provide validation of this said debt and I would like it removed as a collection from the credit bureaus expeditiously. The only information that have been able to provide is the last four of my social and that this account was opened on XX/XX/XXXX. I demand this debt be removed it has caused my once clean credit report to plummet from " good '' scores to " fair '' scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I recently had my credit report pulled and noticed that CitiBank, has made an incorrect report on my credit, which has made a significant decrease in my credit score. In XX/XX/2018, there shows a late or missed payment. I have never made a late payment with this account, I was set up on autopay and know that at one point, I did change autopay cards, in which case, I am assuming that this is when the change happened, but nonetheless the payment still should have been removed from my account, thus not making it appear as if I was late. I believe this was reported in error and due to the circumstances stated above ; in my opinion, this should not be on my credit report, which is extremely damaging for a {$24.00} payment. Since opening this account, I have had a great relationship with CitiBank and would like to continue my relationship, should this be corrected. Please take my issue into deep consideration, please and thank you.

Sincerely, 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 2019-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
On XX/XX/2019 I sent a letter requesting verification of the debt that was owed. I also requested verification stating that I allowed them to obtain my medical information. It has been more than 60 days and I have not received any correspondence back. Per the FCRA the creditor had 30 days to submit verification of the debt which they failed to do because I do not have a contract with this creditor. The creditor has no contract with MY SIGNATURE on It that shows verification or permission from me to allow my information to be shared. Due to them not being the original creditor, no money is owed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : CARRINGTON MORTGAGE SERVICES, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : 11, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX  AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
None of your categories fit my issue. But I financed a loan for a XXXX bike in XX/XX/XXXX and paid it off in summer XXXX. The bike broke and in XX/XX/XXXX XXXX sent a {$2000.00} credit back to TD Bank. Ive been calling TD for 3 months and they wont give me information about payment of the credit they owe me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-08 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: VA

Complaint narrative:
On two occasions, I have submitted a dispute to Experian regarding a charge off account with XXXX XXXX. My XXXX XXXX account was sold to XXXX XXXX XXXX. I satisfied my obligation to XXXX XXXX XXXX in XX/XX/XXXX by paying the balance in full. I noticed on my credit report  in XX/XX/XXXX, the lack of a XXXX  balance on this reporting account and filed a dispute. This dispute resulted in reporting of new negative activity dated XX/XX/XXXX as Failed to Pay and lowered my credit score. 

I contacted Experian by phone and was directed to resubmit a dispute with additional information showing the obligation had been satisfied in XX/XX/XXXX. This is the text of that submission, which included the final statement from XXXX XXXX XXXX showing final payment and XXXX balance in XX/XX/XXXX. " I previously submitted on XX/XX/XXXX, a dispute to correct the reporting of XXXX XXXX by XXXX XXXX to a status of paid and {$0.00} balance and to remove XXXX XXXX from the reporting line. This dispute resulted in new negative activity to my credit report, as fail to pay in XX/XX/XXXX. I paid XXXX XXXX XXXX the final payment for the collection on XX/XX/XXXX. I do not dispute that the account was a charge off and subsequent collection. I just desire my credit report to show that I satisfied the debt, albeit significantly later. If anything I believe my report should at most reflect the negative data ( assigned to XX/XX/XXXX ) in XX/XX/XXXX, the final data of activity associated with this account or should revert to the status of the XX/XX/XXXX Experian report, which was at least in my favor. '' The result of this re-investigation was another instance of new negative activity dated XX/XX/XXXX, again reporting a recent Failed to Pay activity. I again contacted Experian by phone to discern what I was doing wrong. Experian stated they were reporting the data as received by XXXX XXXX, and suggested I contact XXXX XXXX and file a complaint with CFPB, if I was unable to obtain resolution from XXXX XXXX. I contacted XXXX XXXX and was informed that my account was sold to a third party collection agency and they were " just responding to a request for information from Experian regarding a dispute and what Experian choose to do with the data was their prerogative. '' Additionally, they suggested I wait the seven years for the negative data to expire from the report. 

Thank you,

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