vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I want to file complaint against XXXX XXXX XXXX. ( XXXX XXXX XXXX XXXX, XXXX, AL XXXX ) and I.Q. Data International , INC. ( XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX ) What they did severely impact my life and harm me financially. First of all, they imposed a debt on me, which I did not owe. Second, they hurt my credit score so bad that I might not be able to get a mortgage, the interest rate would be much higher than what I supposed to have even I can qualify for a loan. Third, I have been suffering emotional stress in the process of finding solution and communicating with XXXX XXXX XXXX. and I.Q Data. Forth, I might lose the chance of buying my first home. I might need to pay more in future if I don't buy the house now. 

I was employed by a company in XXXX, AL from XX/XX/XXXX to XX/XX/XXXX. During this two-month period, I stayed in the company offered apartment at XXXX XXXX XXXX. I no longer live in the apartment after I left the job. 

I found out that there is a {$2000.00} collection on me when I tried to get a mortgage to buy my first house in XXXX, XXXX. And, my credit score dropped to XXXX. I called I.Q. Data International, INC whose contact information was listed on my credit report, and found out that it was XXXX XXXX XXXX. put the collection on me. I filed dispute immediately on XX/XX/XXXX. I also contacted the company I worked for in AL. 

I lived in XXXX XXXX XXXX for only two month in XXXX because it was company-offered lodging. The company I worked for renew the rental lease in XXXX, XXXX and the company terminated the lease before it ended. According to the manager of the company, the early termination of the lease was because XXXX XXXX XXXX. did not repair water damage in the unit, the unit was not suitable for living, and XXXX XXXX XXXX. refused to switch a good unit for the company. Then the company has to terminate the lease. XXXX XXXX XXXX hires I. Q. Data to collect whatever they think the company need to pay. 

Long story short. No matter what happened between XXXX XXXX XXXX and the company I worked before, it should not be my responsibility to pay for whatever between them. I did not sign the rental lease. Even though XXXX XXXX XXXX. lists me as a roommate in XXXX, I should NOT be a roommate for XXXX when they started a new lease. I was neither a leasee nor a roommate. XXXX XXXX XXXX. and I.Q Data are misusing my information. They should contact the company to solve the problem instead of putting the debt on 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 2018-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: PA

Complaint narrative:
WayPoint is in clear violation of the Fair Debt Collection Practices Act. Section 1692G ( a ). WayPoint has sent me a dunning letter on XX/XX/XXXX. I requested validation of debt on XX/XX/XXXX. As of XX/XX/XXXX, WayPoint did not provide validation of debt, but still to reported the debt to all three credit bureaus in attempt to damage my credit worthiness. 

I have attach the copy of the letter that was sent via U.S. mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I got my 3 credit bureau report from XXXX which is a service provided by XXXX. When I got my reports on XX/XX/XXXX, my credit scores were as follows : XXXX : XXXX TransUnion : XXXX XXXX : XXXX Later on today XX/XX/XXXX when I obtained my 3 credit bureau report, it showed that my score has dropped significantly, as follows : XXXX : XXXX TransUnion : XXXX XXXX : XXXX There has been no changes to my report between XX/XX/XXXX and XX/XX/XXXX. No inquiries, no new debt, no new accounts, no missed payments etc. So I do not understand what caused this massive score drop. I tried to contact the credit bureaus via phone but they couldn't explain what caused the score drop even when there were no changes to my report and said that they can only file disputes. Since they were not able to provide me with a reason for the score drop, I don't understand what information I needed to dispute. 

The only reason I can think of is that, I disputed a XXXX account with all 3 credit bureaus. Probably, my dispute, changed the charge-off date to show that it happened recently. Probably in the eyes of XXXX it shows that the charge-off just happened and my scores dropped. Apart from this, there is no other reason for such a huge score-drop. If this is the reason, this is a violation of protocol where the bureaus need to report accurate information. They can not change the charge-off date to recent when it had happened over 2 years ago. As mentioned on CFPB website, filing a dispute does not renew the debt neither does it change the date. If it does, this is a huge step back for consumers who wants to file a dispute. I have attached my credit reports from XX/XX/XXXX and XX/XX/XXXX,  which shows all my account details as well as my credit scores. 

If filing a dispute results in a score drop, US citizens are not safe. I am trying to get a home loan, but with this massive score drop, my chances of approval will be very slim and even if I get approved, the mortgage rates will be really high.

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 2018-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX RAN MY SOCIAL SECURITY NUMBER THROUGH A BANKRUPTCY DATABASE. MY SOCIAL SECURITY NUMBER MATCHED THE TAX ID NUMBER OF A BUSINESS THAT HAD BEEN IN BANKRUPTCY. XXXXXXXX XXXX REPORTED A BANKRUPTCY REMARK ON MY TRANSUNION CREDIT REPORT. NEITHER XXXX NOR TRANSUNION VERIFIED IF THE INFORMATION WAS ACCURATE. I HAVE DISPUTED THE REMARK TWO TIMES AND IT STILL IS NOT RESOLVED. XXXX DID SEND A LETTER TO ME ONXX/XX/XXXX SAYING THAT THEY HAVE NOTIFIED CREDIT REPORTING AGENCIES TO REMOVE THE REMARK. 
TRANSUNION INVESTIGATOIN LETTER CAME BACK TO ME ON XX/XX/XXXX. SAYING THEY VERIFIED ALL INFORMATION AND THEY LEFT THE REMARK ON MY REPORT. I ONLY HAVE THIS ISSUE WITH TRANSUNION, NO OTHER REPORTING AGENCIES. XXXX SHOULD NOT BE REPORTING FALSE INFORMATION AND TRANSUNION IS NOT ACCURATELY VERIFYING INFORMATION. A TAX ID NUMBER FROM A COMPANY SHOULD NEVER BE MISTAKEN FOR SOMEONE'S SOCIAL SECURITY NUMBER ... ..!!!!!!

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 2018-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: GREAT LAKES
State: OH

Complaint narrative:
I attempted to pay hundreds of dollars to this company assuming that they were going to help me with my students loans and when i attempt to contact the company the contact information was not reachable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: NM

Complaint narrative:
a fraudulent check was issued to XXXX XXXX XXXX in the amount of {$260.00} Account # XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Current owner XXXX XXXX XXXX XXXX XXXX Trident Asset Management, LLC Acct # 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 2018-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: URS Holding, LLC
State: AZ

Complaint narrative:
I agreed to settle the amount owed with XXXX with their collection agency. The amount I paid was supposed to reflect on my credit report as PAID IN FULL. I disputed this with XXXX and XXXX fails to acknowledge the settlement and update the status on all three credit bureaus : XXXX, XXXX, and XXXX. I want this to be removed from my credit report as agreed upon and will provide supporting documentation for this payment and agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Utah System of Higher Education
State: UT

Complaint narrative:
My bankruptcy was discharged and XXXX contacted me, I am assuming my student loans were bought by them. First person I spoke with was XXXX, he was evasive, rude, kept throwing around garnish your wages, he would call and not leave a message and when I asked him about it he would deny calling me, especially after telling me I would only be working with him. I looked up XXXX /XXXX  XXXX XXXX and there is page after page of complaints, so I was very concerned about what I would be dealing with. I finally got a Supervisor and complained about XXXX and I have advised he never to call me and I will not deal with him. In talking with the Supervisor, I am to call in back in a certain amount of days to do this or do that, as though I am a puppy in training and again garnishing your wages is always mentioned. I set up a repayment plan, after advising them I have paid off two prior student loans. I was not advised that they would take my state tax returns. We settled on a payment that would be due on the XXXX of each month and I told them the payment would coincide with my pay day, so it may be before or after the XXXX, that it would be sent. I am told that I must call them and tell them my payment is in the mail, when I mail it to them, even though there is a grace period of 20 day before/after the payment due date. So now, I get emails every other day from XXXX, saying Please read the following carefully ... ... Action is required. It then goes on to say You have failed to make satisfactory arrangements to repay your student loan ... ... it is now due in full. I was told by a Supervisor my first payment isnt due until XX/XX/2018. I have received two of these emails so far. This is by far the worst, the most unprofessional, unethical way to collect a debt, fear and intimidation and lack of maturity, that I have ever witnessed. There is apparently no oversight and I am horrified and disgusted by this treatment and I am tired of it. And, it is important to me to be anonymous, if you contact this State run company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: NY

Complaint narrative:
A collection account has appeared on my credit report from a collection company called Perfection Collection. The account was referred to them by a security company, XXXX XXXX XXXX. My credit report says I have a joint account with a balance of {$3700.00}. the account number on the report is redacted but says the account number is XXXX. 

I have never opened an account with this company and have never authorized anyone else to open an account with my name attached to it. I am trying to get this information removed from my credit report ASAP is it affecting my credit score. 

I have tried to speak with the collection agency and the company but no one seems to know anything and they keep saying it needs to be referred to legal. I have reached out to their legal team but was only provided an email to reach them and have not heard any response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO

Complaint narrative:
ONEMAIN RAN MY SOCIAL SECURITY NUMBER THROUGH A BANKRUPTCY DATABASE. MY SOCIAL SECURITY NUMBER MATCHED THE TAX ID NUMBER OF A BUSINESS THAT HAD BEEN IN BANKRUPTCY. ONE MAIN REPORTED A BANKRUPTCY REMARK ON MY XXXX CREDIT REPORT. NEITHER ONEMAIN NOR XXXX VERIFIED IF THE INFORMATION WAS ACCURATE. I HAVE DISPUTED THE REMARK TWO TIMES AND IT STILL IS NOT RESOLVED. ONEMAIN DID SEND A LETTER TO ME ON XX/XX/XXXX, SAYING THAT THEY HAVE NOTIFIED CREDIT REPORTING AGENCIES TO REMOVE THE REMARK. 
XXXX INVESTIGATOIN LETTER CAME BACK TO ME ON XX/XX/XXXX. SAYING THEY VERIFIED ALL INFORMATION AND THEY LEFT THE REMARK ON MY REPORT. I ONLY HAVE THIS ISSUE WITH XXXX, NO OTHER REPORTING AGENCIES. ONEMAIN SHOULD NOT BE REPORTING FALSE INFORMATION AND XXXX   IS NOT ACCURATELY VERIFYING INFORMATION. A TAX ID NUMBER FROM A COMPANY SHOULD NEVER BE MISTAKEN FOR SOMEONE'S SOCIAL SECURITY NUMBER ... ..!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I agreed to settle the amount owed with USAA with their collection agency. The amount I paid was supposed to reflect on my credit report as PAID IN FULL. I disputed this with XXXX and USAA fails to acknowledge the settlement and update the status on all three credit bureaus : XXXX, XXXX, and XXXX. I want this to be removed from my credit report as agreed upon and will provide supporting documentation for this payment and agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-21 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: NY

Complaint narrative:
On XX/XX/2018 I accessed my credit report from XXXX XXXX and they reported mycredit scores of XXXX for Trans Union and XXXX for XXXX. only 5 days ago my scores were XXXX for Transunion and XXXX. I was concerned as to why i dropped 36 points in less than a week so, i called TransUnion. They would not tell me anything except that I should pay them {$9.00} and they would give me an explanation. I told them that this was absolute robbery and I am suffering because of their error. I am trying to buy a condo and my interest rates will sky rocket unless they correct my score. 
I am XXXX XXXX XXXX and worked very hard to get a good credit rating, not great but good.I have not been late in any of my credit cards or loans in the past several years and resent their being so nasty to me on the phone. 
I strongly feel that they owe me an explanation, free of charge and until they correct this I want to put a freeze on my account with them. I do not want them to report on my credit to anyone. 
Please help 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 non-monetary relief
Consumer complaint received 2018-04-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX, I received a settlement offer on PayPal indicating to pay a reduced amount of the total amount due. These are the words exact words of the settlement plan from PayPal on my PayPal account : " Settlement Plan The Settlement Plan lets you settle your account for 70 % less than the full balance you owe. '' I spoke with multiple PayPal personnel and even though they see and agree with what it says they will not grant me it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I want to know how a deed was transferred from myself to XXXX XXXX XXXX XXXX XXXX, when wells fargo was the lender.

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 2018-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
inquiries are fraudulent and were not authorized. I continue to dispute them with TransUnion who is telling me that they are verified as true and they are neither verified nor true and I want them deleted! Inquires are as followed. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/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 2018-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I got my 3 credit bureau report from XXXX which is a service provided by XXXX. When I got my reports on XX/XX/XXXX, my credit scores were as follows : XXXX : XXXX XXXX : XXXX Equifax : XXXX Later on today XX/XX/XXXX when I obtained my 3 credit bureau report, it showed that my score has dropped significantly, as follows : XXXX : XXXX XXXX : XXXX Equifax : XXXX There has been no changes to my report between XX/XX/XXXX and XX/XX/XXXX. No inquiries, no new debt, no new accounts, no missed payments etc. So I do not understand what caused this massive score drop. I tried to contact the credit bureaus via phone but they couldn't explain what caused the score drop even when there were no changes to my report and said that they can only file disputes. Since they were not able to provide me with a reason for the score drop, I don't understand what information I needed to dispute. 

The only reason I can think of is that, I disputed a XXXX account with all 3 credit bureaus. Probably, my dispute, changed the charge-off date to show that it happened recently. Probably in the eyes of XXXX it shows that the charge-off just happened and my scores dropped. Apart from this, there is no other reason for such a huge score-drop. If this is the reason, this is a violation of protocol where the bureaus need to report accurate information. They can not change the charge-off date to recent when it had happened over 2 years ago. As mentioned on CFPB website, filing a dispute does not renew the debt neither does it change the date. If it does, this is a huge step back for consumers who wants to file a dispute. I have attached my credit reports from XX/XX/XXXX and XX/XX/XXXX, which shows all my account details as well as my credit scores. 

If filing a dispute results in a score drop, US citizens are not safe. I am trying to get a home loan, but with this massive score drop, my chances of approval will be very slim and even if I get approved, the mortgage rates will be really high.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I got my 3 credit bureau report from XXXX which is a service provided by Experian. When I got my reports on XX/XX/XXXX, my credit scores were as follows : Experian : XXXX XXXX : XXXX XXXX : XXXX Later on today XX/XX/XXXX when I obtained my 3 credit bureau report, it showed that my score has dropped significantly, as follows : Experian : XXXX XXXX : XXXX XXXX : XXXX There has been no changes to my report between XX/XX/XXXX and XX/XX/XXXX. No inquiries, no new debt, no new accounts, no missed payments etc. So I do not understand what caused this massive score drop. I tried to contact the credit bureaus via phone but they couldn't explain what caused the score drop even when there were no changes to my report and said that they can only file disputes. Since they were not able to provide me with a reason for the score drop, I don't understand what information I needed to dispute. 

The only reason I can think of is that, I disputed a XXXX account with all 3 credit bureaus. Probably, my dispute, changed the charge-off date to show that it happened recently. Probably in the eyes of XXXX it shows that the charge-off just happened and my scores dropped. Apart from this, there is no other reason for such a huge score-drop. If this is the reason, this is a violation of protocol where the bureaus need to report accurate information. They can not change the charge-off date to recent when it had happened over 2 years ago. As mentioned on CFPB website, filing a dispute does not renew the debt neither does it change the date. If it does, this is a huge step back for consumers who wants to file a dispute. I have attached my credit reports from XX/XX/XXXX and XX/XX/XXXX, which shows all my account details as well as my credit scores. 

If filing a dispute results in a score drop, US citizens are not safe. I am trying to get a home loan, but with this massive score drop, my chances of approval will be very slim and even if I get approved, the mortgage rates will be really high.

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