vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Due to some uncontrollable circumstances, I had some late payments with this company. This was a very unfortunate time in my life. I have always been a loyal customer. Even after this debt, I paid off the account. the account shows on my credit report and it is paid, however I would like for Capitol One to remove this completely from my credit report as a 1 time courtesy for a loyal customer who paid his debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: FL

Complaint narrative:
The credit report I obtained from Transunion through XXXX indicates a low credit score because, among other cryptic explanations, XXXX reports a delinquent account. This is not true. XXXX sold the debt to another company. The information is incorrect and must be reported paid as agree. I was never late to XXXX ( acct XXXX ) and it was never part of any Wage Earner Plan. Moreover, this automobile loan was never part of a Chapter XXXX. I have requested the report from the court of jurisdiction as evidence. All 72 payments were made on time and were not part of a Chapter XXXX. The Transunion account still shows the following incorrect information : Alert Type : Delinquent Account.

Processed Date : XX/XX/2018. 
Account number : XXXX. 
Creditor 's Name : XXXX. 
Type of Industry : Miscellaneous Finance Companies. 
Address : XXXX XXXX XXXX, XXXXT XXXX, MO XXXX. 
Payment Status : Wage Earner Plan.

Creditor 's Preferred Contact Method : Other.

Consumer Statement : Dispute resolved ; customer disagrees.

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 2018-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
I believe that the loan I have with this company is illegal in the State of Florida and may be considered predatory lending. The original amount financed is {$900.00}. APR is 670 % with a total finance charge of {$2700.00} over the life of the loan. Semi monthly payments of {$280.00} began on XX/XX/XXXX. Most recent payment made was XX/XX/XXXX and the last payment is scheduled for XX/XX/XXXX. Payments are being debited from my XXXX XXXX checking account via ACH. I would like to know if I am within my legal rights to rescind my authorization for ACH debits and to place a stop-payment with XXXX XXXX. If I do this, I don't believe that XXXX XXXX can legally still collect in Florida since they are governed by a Tribal Lending Authority in  another state. Loan agreement is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau of the South, Inc.
State: LA

Complaint narrative:
This company has continued to ignore my requests for verification and validation of this erroneous debt claim. I've never had an account nor have i ever opened an account with the city of XXXX. They refuse to provide an address of the alleged utilities and continue to harm my credit profile. The statutes of limitations in my state of Louisiana has expired for collection of this false debt, but this company continues to try to collect with threats and other illegal tactics.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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 — Was not notified of investigation status or results
Company: Westlake Services, LLC
State: PA

Complaint narrative:
I had a Auto loan with Pelican Auto Finance ( Account # XXXX ) open in XX/XX/XXXX. My car was stolen and totaled. My insurance company paid the lien amount and all debt owed. However Pelican still closed the account as a charge off Account. After sending in disputes to XXXX the account still shows on my credit report. I wasnt notified of the results within 30 days and the account wasnt removed. XXXX couldnt verify any of the information do to the fact Pelican Auto Finance is out of business. I called Pelican to attempt to resolve the issue again and their phones are out of service. The two other reporting agencies removed this auto from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: CT

Complaint narrative:
This company is continuing to report a false, erroneous account on my credit reports for years now. I notified this company on several occasions that this was not a correct debt and requested that they contact the original creditor to get the matter sorted. They did not. Instead, they continued to report this information on my credit reports and ignore all of the letters I sent to them. Each month they continue to update this incorrect information on my credit reports.In addition, they are NOT even licensed to collect or conduct business in the state of Connecticut, where I reside, and have resided for over 20 years. Yet they are claiming to be attempting to collect a debt from FL. After reading the thousands and thousands of complaints about this organization, I am not one bit surprised. They need to remove this incorrect information from my credit reports once and for all!!!!

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 2018-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALCHRO INC.
State: FL

Complaint narrative:
Disputed : Reported Account Number : XXXX {$75.00} Creditor/Collection Agent ALCHRO INC. who are the parent company of XXXX XXXX XXXX XXXX XXXX.The mail to XXXX XXXX XXXX XXXX XXXX was sent certified delivery and has been returned on each occassion by USPS as UNDERLIVERABLE. 

Chain of Events : On XX/XX/2018 I reviewed my credit reports and found that there was an inaccurate report of an account that was not mine. XX/XX/2018 I contacted the company XXXX XXXX XXXX XXXX XXXX who is named as the reporting company on my credit files in writing at the postal address stated as their mailing address from my credit report by letter delivered by certified mail ( see attached ) requesting full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation included competent evidence bearing my signature and a copy of the instrument used to secure a contractual agreement that proves I am obligated to pay was never made available to me. I made it clear in my letter that the negative marks found on my credit report held by the ( 3 ) reporting bureaus and reported by their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated this company must take steps to have all reporting bureaus delete this entry immediately. It is ridiculous that is is now over 250 days since my request for validation ( see attached certified mail verified as delivered ) and I have not received a reply. This is over the 30 days time frame and this collection company is out of compliance. Under advise, I wish to informed XXXX XXXX XXXX XXXX XXXX   that I am prepared to take steps to file a small claim case in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: VA

Complaint narrative:
Here is what I submitted to XXXX : XXXX mortgage # XXXX shows every month being " OK '' and never delinquent. It subsequently shows that the loan was satisfied in XX/XX/XXXX. Never was a late payment shown. When you move to XXXX, however, it shows a 30 past due balance that is delinquent. There were 2 loans closed on XX/XX/XXXX, and I have the HUD contract to show this. However, the loan in question shows delinquent in XXXX. If that were the case why don't both loans show as delinquent? How is it possible to be delinquent on a closed loan that shows satisfied with never a payment missed. If this document provides me the means I will upload the HUD statement. I have disputed it repeatedly with the credit agencies, and I have only heard back from XXXX so far. They agree that the delinquency should not be on my credit, but they will do nothing to remove it. I need it to be removed from both XXXX and all three credit reporting agencies : Equifax, XXXX, and XXXX. I tried to get this information updated months ago, but instead of fixing the problem XXXX then hit my wife 's credit report for the exact same thing. They weren't reporting it on her credit before even though we were both on the loan. Now it is hitting both of our credit reports when it should not. I suspect that when we closed the loan on XX/XX/XXXX that the person closed one loan and left the other loan as opened. 


Here was the response from XXXX : We have reviewed your concerns about the negative information on your credit report regarding this loan. Our records show that on XX/XX/XXXX, we submitted an update to the credit bureaus to which we report ( Equifax, XXXX and XXXX ) to remove the negative information for the XX/XX/XXXX reporting. We have pulled information from the credit bureaus and confirmed the update did occur and the reporting is accurate for both parties on the loan. Please be advised that if the credit report is not from Equifax, XXXX or XXXX, the credit update would not have occurred as we do not report to third party credit agencies. 


Here is the reality, if XXXX submitted this then they submitted the wrong thing or all three credit agencies are reporting incorrect data on my credit and NOW ON MY WIFE 'S CREDIT!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
TransUnion is using a deceptive identity verification question, specifically, they ask about names " previously '' used, implying that the name is no longer used. They included my last name, XXXX, as an answer. XXXX is not a name that I have previously used : It is the name that I have always used.

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 2018-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have repeatedly been called by people representing Navy Federal Credit Union ( XXXX ) -XXXX. I was called multiple times in regards to two separate people on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. On Three occasions I have spoken to XXXX and XXXX ( shift supervisor ) and today I spoke with Mr. XXXX. Me XXXX said I would continue to receive calls because of the skip services they use to find members. I have repeatedly asked for my phone number to be removed and for all calls from them to cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: Eagle Accounts Group, Inc.
State: TX

Complaint narrative:
This is showing as derogatory on my XXXX credit report. I have disputed this issue and had this removed from other credit reports. The account is not derogatory. 
XXXX XXXX XXXX XXXX XXXX - BUREAU ACCOUNT DESIGNATOR individual DATE OPEN XX/XX/2010 HIGH LIMIT - MONTHLY PAYMENT XXXX ACCOUNT BALANCE XXXX LAST REPORTED - ACCOUNT STATUS 120+ days past due AMOUNT PAST DUE {$1400.00} Derogatory Contact Info : name : : XXXX XXXX XXXX XXXX address : : XXXXXXXX XXXX XXXXXXXX XXXX XXXX LA XXXX phone : : 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 2018-08-16 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: GA

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2018-08-16 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: GA

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Premier Holdings
State: CA

Complaint narrative:
XXXX was referred to us by a material supplier to initiate the lien process on a project for which services had been completed, but payment was being withheld by homeowner. After months of inactivity, our company pursued the homeowner directly and received {$3800.00} for our services. This amount was in contrast to the total cost of the project, {$9600.00}. Informing XXXX that our company had received payment, we were asked to submit payment in the amount of {$2400.00}, or, 25 % of the original {$9600.00}. 

Our company did not believe the services provided by XXXX would warrant such fees but had not refused to pay a settlement amount. Instead, we wished to enter into negotiations with XXXX and maintained that fees should be calculated from the amount actually received. 

Our request was met with a verbal berating by employees of XXXX, several of which, completely unprofessionally resort to vulgar language, threats to pursue criminal charges, and threats to initiate legal action directly against our employees. 

Furthermore, our employees were never notified calls with XXXX would be recorded. While we do not fear recordings in XXXXs possession, as we hold our employees to a high degree of professionalism, it is worth noting CA has two-party consent wiretapping laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX sent a bill to Capio Partners stating I owed and never paid my hospital bill in the amount of {$190.00}, I never received a bill from the hospital. Then Capio Partners put on my credit XX/XX/2018 that I owe them this debt. I never new I owed a bill with the hospital because I have two insurances ( XXXX & XXXX ). I called XXXX and was told the bill statement was sent back saying invalid address, this is why I never received a bill, this was a clerical error on XXXX billing. This bill is paid and Capio Partners have yet to remove this negative action of my credit report. I have tried reaching out to Capio Partners and I have yet to get a response from them. I never even received anything from Capio Partners  informing me this account was sent to a debt collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
My husband had emergency XXXX XX/XX/2018 at XXXX XXXX Hopsital in XXXX, GA. He went into another XXXX 10 days later because a XXXX was removed within 3 hours instead of waiting 7 days. Because of this removal, he had a XXXX XXXX XXXX and was sent back to the hospital to XXXX, involoving unnecessary charges. I contacted the Patient Advocate line for the hospital to dispute paying the second XXXX bill because that was the negligence of the physician for removing the XXXX too soon. I received a letter from the Office of Medical Affairs on XX/XX/2018 from XXXX XXXX saying he would look into this matter and the account will be frozen until the problem is resolved. 

We were making monthly payments on the account. On XX/XX/XXXX, we made a {$150.00} payment towards our balance of {$1800.00} via the online portal for the hospital. We made an additional payment XX/XX/XXXX, for {$50.00}. 

XX/XX/XXXX, we get a phone call stating that the balance has been moved to a collections agency. We received no warning, written nor verbal that the balance was being moved. We were also making monthly payments on the online portal for the account. Why was it sent into collections when we were cooperating? 

I want to bring attention to this matter as it was wrongfully handled and we desire justice from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: VA

Complaint narrative:
Here is what I submitted to XXXX : XXXX mortgage # XXXX shows every month being " OK '' and never delinquent. It subsequently shows that the loan was satisfied in XX/XX/XXXX. Never was a late payment shown. When you move to XXXX, however, it shows a 30 past due balance that is delinquent. There were 2 loans closed on XX/XX/XXXX, and I have the HUD contract to show this. However, the loan in question shows delinquent in XXXX. If that were the case why don't both loans show as delinquent? How is it possible to be delinquent on a closed loan that shows satisfied with never a payment missed. If this document provides me the means I will upload the HUD statement. I have disputed it repeatedly with the credit agencies, and I have only heard back from TransUnion so far. They agree that the delinquency should not be on my credit, but they will do nothing to remove it. I need it to be removed from both XXXX and all three credit reporting agencies : XXXX, TransUnion, and XXXX. I tried to get this information updated months ago, but instead of fixing the problem XXXX then hit my wife 's credit report for the exact same thing. They weren't reporting it on her credit before even though we were both on the loan. Now it is hitting both of our credit reports when it should not. I suspect that when we closed the loan on XX/XX/XXXX that the person closed one loan and left the other loan as opened. 


Here was the response from XXXX : We have reviewed your concerns about the negative information on your credit report regarding this loan. Our records show that on XX/XX/XXXX, we submitted an update to the credit bureaus to which we report ( XXXX, TransUnion and XXXX ) to remove the negative information for the XX/XX/XXXX reporting. We have pulled information from the credit bureaus and confirmed the update did occur and the reporting is accurate for both parties on the loan. Please be advised that if the credit report is not from XXXX, TransUnion or XXXX, the credit update would not have occurred as we do not report to third party credit agencies. 


Here is the reality, if XXXX submitted this then they submitted the wrong thing or all three credit agencies are reporting incorrect data on my credit and NOW ON MY WIFE 'S CREDIT!

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 2018-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have a collection account listed on my credit reports by a debt collection agency XXXX XXXX. XXXX XXXX failed to validate and provide proof that they own this debt. Therefore i am disputing this account and would like it removed from my credit reports.

Company response to consumer: Closed with explanation