vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-15 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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the XXXX XXXX XXXX and shall be used as evidence in pending litigation  provided you fail to comply with this offer of settlement. I demand the following accounts be verified with the original contract with my signature or removed immediately. Its been more than 90 days that I sent in certified documents over to Transunion and you havent removed the remaining errors. You removed majority of the inaccurate accounts and inquiries listed in the attachment area that you havent removed XXXX. XXXX XXXX, XXXX. XXXX & XXXX XXXX, XXXX. XXXX. I am unaware of this account and its an error but you continue to report inaccurate information. I warned you not to long ago that if you dont remove this account that I will forced to take legal actions against XXXX and you still insisted on delaying the process but you have violated THE FCRA sections 609, 611, 612, 604, and more. I am in distress and my only option is to take this to court. It has been well over 120 days and i havent received any

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 2018-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ATG Credit, LLC
State: FL

Complaint narrative:
ATG credit has been reporting for the past 4 months the incorrect amount of {$700.00} to XXXX credit bureau as an amount that I owe. This is not an amount that I owe to ATG Credit. I have reached out to ATG via email, chat and telephone for the past 90 days with no resolution. I have also reached out to XXXX   via telephone and was told there was nothing that I could do except continue to dispute it. The dispute and faxed documentation to XXXX is doing nothing since XXXX is not correcting the issue on their end.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 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: Westlake Services, LLC
State: FL

Complaint narrative:
XXXX XXXX has not accurately reported the correct balance nor on time payment since XX/XX/2018. They have been contacted via telephone and email, the payment is still not being reported. XXXX XXXX has recently been sold to XXXX XXXX and there is still no update on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 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:
There is a particular Account that you place on my credit file Acct # XXXX XXXX XXXX XXXX XXXX that I have disputed as fraudulent account but yet you still havent removed the account. I am unaware of the account for the final time. I mentioned several times that the account doesnt belong to me and that I am unaware of the account. I disputed this same account more than 5 times but to receive a falsely generated code from your computer that this debt is verified and I know it isnt mind and Im unaware of it. It clearly is a fraudulent account which I look to do an internal dispute and file this as an affidavit as well.

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 2018-09-15 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: FL

Complaint narrative:
XXXX XXXX has not accurately reported the correct balance nor on time payment since XX/XX/2018. They have been contacted via telephone and email, the payment is still not being reported. XXXX XXXX has recently been sold to XXXX XXXX and there is still no update on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MO

Complaint narrative:
numerous dates the past month or so i have received this same following text message from nelnet ; "  Not too late to get help on your Nelnet account. Reply YES to postpone pmts for 12 mos due to hardship but intend to repay. XXXX Reply STOP to OptOut '' the text messages have been sent from following number ; XXXX for approx past year or more i have received numerous incorrect statements via XXXX XXXXl mail, approx two years ago or more i submitted all required and requested documentation concerning my total XXXX XXXX, spoke to nelnet collection department was informed at that time this loan had been forgiven based on federal disability laws, nelnet continually harasses with mail and text messages and with illegal collection practices, this is also a problem that has created issues on my crediit reports, i would appreciate any action you can take to correct and resolve the thrreatenig harrassment and if you can help correct and / or reverse the damage this has caused me concerning my credit reports, its my firm belief that nelnet is in violation of several federal civil rights laws and i feel it is imperative for myself and other consumers that legal action be taken against nelnet to correct their illegal, unprofessional incompetent record keeping, etc, thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
The debt is for {$240.00} and GLA Collection Company , IncXXXX is the collection agency. 

XX/XX/2018 : Received initial bill from XXXX XXXX in XXXX, IN for {$240.00} in the mail XX/XX/2018 : Paid bill in full XX/XX/2018 : Received collection notice from third party debt collector ( GLA Collection Company ) This is an aggressive and unfair practice. The contact information for GLA Collection Company is : XXXX XXXX XXXX XXXX, KY XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 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: FL

Complaint narrative:
Pursuant the Fair Debt Collections Practices Act, Equifax must delete and remove the following item off my credit report/file : Account # XXXX XXXX Bankruptcy XXXX. I have previously submitted disputes with Equifax along with the necessary XXXX  and law enforcement reports necessary to block this item from appearing on my credit report/file. Equifax uploaded these legal documents to my disputes. I confirmed this with an Equifax supervisor. I am a victim of identity theft. The other XXXX XXXX Agencies have completed their investigations and have removed this item, Account # XXXX which can not be verified and must be deleted. Furthermore, the phone number [ XXXX ] appearing on my Equifax credit report is not mine, I ask that you also delete this inaccurate information. Lastly, I request a free copy of my credit report and file from Equifax pursuant the Fair and Accurate Credit Transactions Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I am writing in regards to my current loan with Freedom Mortgage Company. Freedom Mortgage Company purchased my original loan with a correct estimated escrow amount of {$140.00} per month for county taxes. They were provided with this information for the escrow from the previous lender who showed the {$140.00} per month escrow amount value for my loan. Upon being contacted by Freedom Mortgage Company advising me of an option of refinancing my loan, I agreed to go through with the refinance. When I completed my refinance, my new loan then had an estimated escrow amount of {$43.00} per month. The average county tax for a townhome in my area is estimated to be around {$1400.00} per year. It was not until I received my recent statement in XX/XX/XXXX, that I first noticed a shortage in my escrow account, as my payment had increased by {$290.00}. I had not received any previous correspondence from the company advising me of this. I then had to call them to get the escrow shortage letter forwarded to me via email. After further review I called the company again advising them of the mistake that was made, I was told I could only dispute in writing and nothing else could be done. I have sent an email to the company 's Customer Care unit as directed. I have been told a response can take up to 30 days. Instead of my escrow estimate being based on the correct county tax amount of {$1400.00} per year it appears that the county tax amount used was based on the pre-construction value of my home. The {$1400.00} per year is the tax assessment value that should have been used when calculating my refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc.
State: TN

Complaint narrative:
Jon Barry and Associates DBA XXXX XXXX XXXX XXXX XXXX XXXX Ct , XXXX XXXX XXXX XXXX Scammer- Sending collection notice and reporting on paid accounts-This is the second time he has attempted to collect on a paid account. this collection activity should be illegal and this person needs to be have his ability to further this activity removed. I HAVE POSTED TO THE CREDIT BUREAU THAT A PREVIOUS CLAIM WAS UNFOUNDED. 
I have written directly to the address with no response. It seems like this is some kid sitting in his bedroom, trying to scam others to make money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: IL

Complaint narrative:
Good evening CFBPB members, On or around XXXX XXXX I received an email stating that my credit report has been changed, so I went to check my scores on XXXX. It stated that my XXXX  score had dropped XXXX points! I was shocked because I worked so hard to get my score from where they were to XXXX then to see that they fell to XXXX. A collection agency called AFNI, INC. place a XXXX XXXX on my report for {$370.00}. This bill has been paid in full. I will attach a copy of the bill for CFBPB members to look at for their review.Please assist me, I had XXXX at one time but I do not use them and therefore needs this negative item removed from my credit report. I am looking to purchase a home with my family and can not have negative marks on my reports when the bank sees them. Thank you all for your support.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: FL

Complaint narrative:
Pursuant the Fair Debt Collections Practices Act, Equifax must delete and remove the following items off my credit report/file : Account # XXXX XXXX XXXX XXXX ; Account # XXXX OSFA/EDS ; Account # XXXX OSFA/EDS ; Account # XXXX OSFA/EDS. I have previously submitted disputes with Equifax along with the necessary FTC and law enforcement reports necessary to block these items from appearing on my credit report/file. Equifax uploaded these legal documents to my disputes. I confirmed this with an Equifax supervisor. I am a victim of identity theft. The other Consumer Reporting Agencies have completed their investigations and have removed these items which can not be verified and must be deleted. Furthermore, the phone number [ XXXX ] appearing on my Equifax credit report is not mine, I ask that you also delete this inaccurate information. Lastly, I request a free copy of my credit report and file from Equifax pursuant the Fair and Accurate Credit Transactions Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: TX

Complaint narrative:
While I was incarcerated from XX/XX/XXXX to XX/XX/XXXX someone opened up a XXXX account in my name and ran up my credit and never paid the {$140.00} owed to XXXX XXXX XXXX. I tried disputing it on Equifax but they want a ten digit # I do not have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was a victim of identifying theft, but also blatantly dismissed of just simply trying to solve this matter. This account is a line of credit and credit card that was credited under my name through Citi Bank. The account number is XXXX with Citi bank. I Originally in XX/XX/XXXX, when I first found out about this account, was when Citi Bank started to get Levy my account, I called Citi Bank and spoke to XXXX XXXX, a spokes person. She told me that I would not be Levy anymore since they could not find him in the system when he provided his social security number. The only information I got was that the loan started from XX/XX/XXXX, and the payment stopped in XX/XX/XXXX, then the lawsuit started XX/XX/XXXX. 

After this conversation, They still continued to Levy my account. I went to 3 different branches total to see who opened this account, and find proof that I was not the one who opened this line of credit and credit card. 

On XX/XX/XXXX, I went to the branch on XXXX XXXX in XXXX XXXX and then XXXX XXXX in XXXX XXXX, since no one at the XXXX  location could help me. One of the employee at the XXXX XXXX location told me that there was no ID in the system to show who was the one who signed for this loan. So, they directed me to go to the XXXX XXXX location, since that was the location the loan originally was created. 

On XX/XX/XXXX, I went to the branch location on XXXX XXXX. I spoke with XXXX XXXX, and she said there was no record and would investigate further with a case number ; XXXX. Other then this brief conversation, she was no further help. She promised to call me back, but never did. 

While I waited for this investigation from citi bank to come to some conclusion, there was a judgement on this account, and my personal bank account was being levyed close to {$4000.00}. 

The case number on this judgement is XXXX. 

No one from any branches, and the company itself, when I called, can not show me any proof of who opened this account. Either they would transfer me to another department or location, and not give me this simple request of proof. 

Also, this account is NOT in my credit report! Additionally, I was never served any paperwork. 

Please listen to all recordings and follow up on my cases since I was not only properly served this judgement, but I was also a victim of identity theft. They do not have my social security in file, nor show me any proof of me optaining this loan! I do not speak the language very well, and I personally feel they are taking advantage of me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I'm still being reported negatively to XXXX & XXXX Credit Bureaus ; $ XXXX+ Continued Membership, Late, & Missed Charges still are not refunded to my account, 5+ months later. XXXX was the guilty ones to charge my account for a second month, when I cancelled my account XXXX-18, 2+ days before statement for next month was processed. Many emails, with documentation, have been sent/faxed to dispute wrongful charges. 
Please send me your email address ; I'm not able to upload email documentation at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-16 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: MI

Complaint narrative:
Ive attempted to dispute the fraudulent accounts with Equifax numerous times. Equifax has once deleted fraudulent accounts but have re-added them back to credit report. Ive provided two police reports reporting fraudulent accounts and Equifax refuses to remove negative fraudulent info. And Equifax wont force the merchants provide fraudulent information to provide proof of a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Springer Collections Inc.
State: TX

Complaint narrative:
I have disputed thru credit agency and the company. This debt states for an apartment in Minnesota at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MNXXXX I lived in another apartment not XXXX XXXX This belongs to someone else.. 
Please remove this debt off of me and my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
I have that in writing greater than 10 times for account information to include everything that has been charged to us, Payments we have made and where they have gone and any notes on the account. I have communicated in writing to Ditech requesting all of the above account information Because I dont agree with charges that were made for months. We have a VA loan and we have been charged more than one late fee for several months and I kept telling them that is not right and it can not be greater than 4 % of the payment. One occasion they sent me a XXXX XXXX  document ( that was manipulated ) and changed half the fees to NSF charges And I have communicated that this is not accurate in my bank statements can prove I did not get several nonsufficient fund charges.Ditech refused payment from the spouse and said they Did not have authorization to speak to me however Im the only one who makes the payments and they lost the authorization more than once. I have also had the VA reach out to Ditech to receive all the information and Three weeks later I received another manipulated document numbers did not match and it did not have any charges whatsoever Ditech charged. I am doing the math and I know thousands not be accounted for. I have demand of this information of all account charges and fees and payments And they are refusing to give me this information. They paid my homeowners insurance and drained the escrow account. I have asked repeatedly in writing why this was done for what reason and all the charges and late fees that were applied and additional interest occurred for a double late payment for months and months I do not agree with and I know this is wrong and against va regulations for servicers to do. Also my monthly payment has skyrocketed {$200.00} and this should not happen when taxes are lowered. Ditech is also a bully every time Im on the phone and collection practices are disgusting. They are breaking every consumer protection law and TRUTH IN LENDING law. I have never felt so bullied in my life. I can not see what they are doing however one of our VA representative was very vocal to make above all my other litigations, DITECH should be sued for XXXX!!! I see that they are a dirty company and Ive read about 60 other complaints within 2018 very similar. Ditech has a pattern. Ditech refuses to disclose ANYTHING true. Stop stealing and committing fraud!!!! Ditech is destroying families with their disgusting actions. Welcome to the start of your next class action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
this issei is between XXXX XXXX XXXX  XXXX XXXX ct and XXXX XXXX and me, when i trade XXXX XXXX XXXX with over maileg and XXXX XXXX ADEED IT TO MY NEW MONTHLY PAYMENT IT WAS ABOUT XXXX DOLLAR but XXXX XXXX trying to force me for amount of XXXX that amount is over maileg and the rest is tax and this amount i already bay about 900.00 to XXXX XXXX XXXX and i have all decominte but they insist that balance of XXXX stel not bed tile naw. and toyota motor credit corporation sent me a letter on XX/XX/XXXX. XXXX. XXXX ACCT # XXXX, CREDITOR ACCT # XXXX, ACCOUNT BALANCE:XXXX. I HAVE ONE YEAR  GOING TO XXXX XXXX XXXX TO HELP ME BUT EVERY TIME I WENT THAR THEY NOT GIVE ME ANSWER THEY SED DO NOT WORRY WE WILL TECAR OF THAT. WHAT I CAN DO I NEED HELP PLEAS, THANKS XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CT

Company response to consumer: Closed with explanation