vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Upon checking my credit report, I noticed an account by the name of rise reporting to trans union concerning me. I called and spoke with a trans union agent with my concerns and inform them this was n't my account. The agent replied to me that the account was in good standards and as I told him, I do n't care it was n't my account and to remove it. I 've been a victim of Identity theft and I 've filed a police report case number XXXX Officer XXXX with the XXXX, Alabama XXXX Police Department. number XXXX. I 've also sent a Certified Letter with a returned receipt that I have to Trans Union and Rise also the other credit reporting agent concerning this Rise Account along with a police report and Identity Theft notarized affidavit.

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 2015-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My husband and I are attempting to refinance our home. The mortgage broker sent us our credit scores and mine came in very low. We just got a free credit card report on from one of the companies that the broker gave us which reflected my lowest score. On the account we just received in 7 years for XXXX records there was actually just XXXX issue in question. And I am trying to find out more about it. But frankly to penalize a citizen in this way for XXXX issue seems outrageous. Here is a list on the brokers report of my so called transgressions - none seem applicable. 1. Serious delinquency 2.Time since delinquency is too recent or unknown 3.Proportion of balances to credit limits is too high on bank 4. Revolving or other revolving accounts. 
All this because there may be XXXX account for a small amount of money to be disputed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have sent to certified letters over the last 60 days stating to TransUnion that they are reporting a BK Dismissal on my credit report that is n't mine, I received a letter from them stating they verified that information. I called the US BK Court where is false filing took place, the BK Clerk told me that they do n't verify and information to any party or company. I need verification on how they came up with this verified information that does not belong to me. This has hurt my credibility not to mention I just got turned down for credit. I will file a law suit against transUnion for damages to my credit and slander. How can a copy report false information and say they verified it was me. Please show me my signature and whom they spoke with at the US BK Courts. I want a name so I can file a law suit against them as well. If I have to I will call the local news agency to get this on the news.

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 2016-07-11 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
About 2 years ago the bureaus dropped my credit score from about XXXX to XXXX claiming i opened too many lines of credit too quickly. However, Its been 2 years of on-time never late payments on all my accounts and my score is the same and refuse to recalculate it to account for this. Also there are XXXX judgments that are over 7 years old and need to be removed.

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 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I called trans union about removing unauthorized hard inquires on my credit report, and they refused to help me, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX , XXXX, 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 2016-08-27 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I opened XXXX CD with Ally Bank five years ago the maturity was XXXX XXXX, 2016, we closed the CD on XXXX XXXX, 2016 and did not receive interest from XX/XX/XXXX till XX/XX/XXXX. I can not find my disclosure but I thought that they pay interested in the grace period. 
I called and they told me that do not pay interest because I close the account. 
Can you tell me if this is common practice?

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 2017-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: American Coradius International LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXXXXXX XXXX XXXX XXXX, XXXX Consumer Complaints American Coradius International LLC Consumer Financial Protection Bureau XXXX Headquarters XXXX via website XXXX XXXX XXXX XXXX. XXXX XXXX NY XXXX XXXX XXXX, CA XXXX XXXX : XXXX/XXXX/XXXX statement from American Coradius International LLC I received the attached creditor demand dated XXXX/XXXX/XXXX just after the XX/XX/2017. I was surprised as this was the first time I became aware of an outstanding matter with XXXX. I have not used XXXX in years, and when I joined my use was infrequent. I do not even know my log in credentials. If I owe money for some reason I would appreciate the details. To have revert to a collection agency was unfair and slanderous tactics. 

Kindly provide detail for this matter so we all can arrive at proper satisfaction. 



XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
I contacted XXXX on XX/XX/2016 to request a letter to send to XXXX to confirm that XXXX accounts that we had paid in full to XXXX were paid in full and their was not a current dispute that they were showing for these accounts. XXXX themselves were not showing that information regarding these accounts were reporting correctly. XXXX refused to provide any such letter or proof to either myself or XXXX to try to get the issue resolved. They claimed that they had reported correctly and they will again update it with XXXX and that " we would just have to wait ''. The employee with XXXX claimed that she was the only supervisor and that she had spoken with her legal department that verified that they would not and could not provide any such documentation that the accounts had been paid and resolved to either me the person whose request by XXXX to have a letter with their name information the account numbers and notification that the debt had been paid and verification that there were no open disputes.

Company response to consumer: Closed
Consumer complaint received 2015-06-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
NO PROPER TRUST ACCOUNTING/DOCUMENTATION per OFFICE OF THE CONTROLLER OF THE CURRENCY CONTROLLERS HANDBOOK. I am a surviving spouse and mother of decedent 's only XXXX children by decent, minors. My spouse passed XX/XX/2014.Being that we had a significant age difference I always went along with my husband 's financial decisions as he was the one with all of the financial assets. I never demanded anything in writing from him as he was a fair man, always kept his word and loved his daughters more than anything. He was a street wise man, very charming, and had common sense. He ran XXXX very legal in every sense of the word and was generous, especially with XXXX employees. The mistake on my husband 's part was to assume the key employees were going to reciprocate his good will, kindness, and care for his family, meaning us. Two years prior to my husband 's death he finds out his longtime Attorney of over 39 years has embezzled over {$100000.00} and a lien had been put on our home. XXXX my husband had of over 20 years never bothered to look into the lawsuit and make sure funds were being disbursed properly. At the time all of this embezzling was going on my husband was going through XXXX. There 's more to the story but fast forward to XXXX 2014, XXXX he never transferred any business assets or anything else for that matter. So now I have the CPA and the purported successor trustee around me like vultures, but again keep in mind if my husband trusted people then I did too, he passes away and I find out that I had POA all this time up until his death, the CPA never notified me and the rest was downhill. Now the " new '' administration has been running my husband 's XXXX and basically my husband 's trust money has been bennifiting the trust, not the beneficiaries, our daughters. They are going off a trust that was executed 5 days after he found out about the embezzlement, in addition they switched his XXXX XXXX IRA. So basically the girls and I have been living off peanuts. At the end of the day, all my husband wanted was control of the money, again due to our age difference he still felt I needed some back up in case of any trouble. Little did he know that the people he trusted to take care of us were going to throw his family in the trash.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Platinum Holdings Group, LLC
State: CA

Complaint narrative:
Received a call from Premium Assets Services about a very old account that they wanted paid from a Jewelers. I was told that they wanted to have this account closed by the end of the year and whatnot, I told them I had no way of paying it. They threatened to take legal action and was very verbally abusive after I asked them to not call my Mother 's residence. XXXX XXXX was the joke of a man that I was speaking with, and started saying how well your Mother thought she was raising a good citizen, but obviously that 's not the case here. I am furious and my Mother is elderly and sick and does not need this whatsoever. I am a grown adult and my finances and money troubles are my own.

Company response to consumer: Closed
Consumer complaint received 2015-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " American Credit Acceptance '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Receivable Management Group, Inc. (GA)
State: FL

Complaint narrative:
my understanding it was paid in another bill statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
There are a total of XXXX OPEN Accounts being reported with this company : 1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 
2. Although I had no knowledge of this account, since it was on my credit profile, the debt was discharged in bankruptcy. 
3. This information was also shared illegally ( third party ) without my informed consent.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-02-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: American Credit Acceptance, LLC
State: AZ

Complaint narrative:
I sent American Credit Acceptance a letter requesting information about the current high balance amount, original credit amount, late notices, and the original signed contraction by certified mail. They have not made any attempt to contact me via mail with the requested information and documents that I 've requested. This company is now willingly withholding information from 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 2017-02-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
I purchased a XXXX XXXX and financed through American Credit Acceptance. XXXX or XX/XX/2015 I had to have the transmission repaired for the second time the 1st time the warranty covered the second time they would n't so I had to find a mechanic to do the job.in doing so and after all the charges it totalled over XXXX almost XXXX I could not afford that kind of money up front and they was n't willing to work with me so they kept my car and filed a lien on it. So now American credit acceptance is saying they repossessed the car when they Did n't and they also have messed my credit up serverly and refuse towork with me or talk to me in a professional manor to remedy this. I would really like them to please remove the charge off/repo from my credit when they have not phyisaclly repoed the car but actually lied to the credit bureaus and stated they have. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivable Management Group, Inc. (GA)
State: FL

Complaint narrative:
I PULLED A COPY OF MY CREDIT REPORT AND LEARNED THAT RECEIVABLE MGMT GROUP HAD PLACED A COLLECTION ON MY CREDIT REPORT. I HAVE NEVER ENTERED INTO A CONTRACT WITH RECEIVABLE MGMT GROUP VERBALLY OR IN WRITING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACCESS GROUP INC.
State: NY

Complaint narrative:
i had a lot of credit card debt from when i was in school. along with {$12000.00} in student loans. i had to file for bankruptcy because they garnished my wages and could barely make it, paying my rent late every month.

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 2017-02-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
Received a letter from collection company regarding a debt- National Credit Systems , Inc. stating a {$1900.00} debt was due. Sent certified letter asking for documents to validate debt. Instead of receiving information relating to the charges I received a letter in retaliation stating that they reported me to the credit bureaus for failure to make suitable arrangements and that they recommending the client proceed with additional collection remedies, garnishment of wages, Liens placed on property including, autos, real estate or other real property, seizure & auction of personal property, as well as other adverse action listed on the letter. To date I still have not received any bill or statement for these charges as requested via certified mail and received by National Credit Systems , Inc in a timely matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I received a letter from Penn Credit Collection agency dated XXXX XXXX, XXXX. 
The letter saying I owed {$56.00} for a parking ticket ( XXXX ) from XXXX XXXX, XXXX to the city of XXXX. 

I had paid the ticket in full in XXXX XXXX to a collection agency called XXXX XXXX XXXX, XXXX with USPS money order ( receipt number XXXX ) in the amount of {$56.00}. 

The amount I paid in XXXX is {$56.00} is the same ticket number XXXX from XXXX XXXX. 

I am not sure why Penn Credit is trying to make me pay for a ticket I 've paid for almost three years ago in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
A woman called me and immediately asked to speak with XXXX. When I said that yes this was XXXX, she claimed to be from " The Best Service Company '' and immediately asked me to verify my identity by providing my date of birth and the last XXXX of my social. She did n't even ask what my last name was. I became suspicious, so I asked what her call was concerning. She then said that she could not discuss that with me unless I verified my identity. I then told her I feel hesitant to release that type of sensitive information over the phone to an unknown company that I did not personally call. She then said " I understand, is your date of birth **/**/**** ( She stated my full date of birth to me. XXXX '' I then told her I am not comfortable confirming any sensitive information regarding my identity until I know the reason for the call. She told me that She could not tell me until she verified my identity. I then told her we were at an impasse since I have no knowledge of any relations with " The Best Service Company, '' and I would be unable to provide her with any information. She then hung up. I called the company back and asked a representative to put me on their do not call list. They agreed without obtaining any information to actually do so, then hung up. Due to the fact my information was shared over the phone without my consent, I contacted Transunion and had a fraud alert placed on my file. While reviewing my credit statement, I saw that The Best Service Company had placed a statement on my credit report claiming that I owed them a debt of {$420.00} for an account with a local credit union, whom I have never had a line of credit with. I filled a dispute against the statement on my file. I am appalled that my personal information was disclosed over the phone, allowing for a simple " yes, or no '' answer to suffice as an adequate verification of identity. I am additionally aggrieved by the fact that my information was so easily provided to an unverified caller, who may not have had previous knowledge of the information shared. My privacy has been infringed, and my personal credit has been falsely affected in a negative light.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX I was given a written notice to vacate my apartment @ XXXX XXXX XXXX XXXX, XXXX, XXXX CA XXXX in 72 hours. The reason given : I was a nuisance to management & community.In XXXX XXXX I attended a City Council meeting with a list of complaints against XXXX XXXX, the mangement Company, based in XXXX.In the following month I was given a bill wanting me to pay {$930.00} for the monthly rent of XXXX, XXXX & XXXX XXXX. When I refused to pay it they sent it to a collection agency & it now affects my credit & I am not able to rent another apartment. So, now I am a homeless, XXXX Veteran. Can you please help me? 
I am presently living in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a XXXX voucher since XXXX XXXX, XXXX but not able to secure any permanent housing because of this unfair credit report,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation