vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Clearview Resolution Services
State: TX

Complaint narrative:
A XXXX XXXX calls to state they need information on a debt. They will not say who the creditor is. They seem to be trying to fish for personal information. They state they are from Clearview Resolution and are in the Department of Civil Processing. She states her extension is XXXX. They call from number XXXX and want you to call them at XXXX. 

They also have a guy stating his name is XXXX XXXX call ; he states his is from XXXX XXXX XXXX wanting to drop off something that needs to be signed. And refers you back to the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Credit Systems,Inc.
State: ME

Complaint narrative:
I paid off a debt with National Credit Systems. They repeatedly have refused to send me a confirmation of payment. I called and spoke with a representative whom told me I would be able to receive it the following day. I then called back, and the representative and supervisor were extremely rude and would not allow me to receive my email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Penn Credit Corporation
State: TX

Complaint narrative:
A debt collector, Penncredit, continues to call my home telephone number regarding a debt that I do not own. They claim the debt is for my father, who has never lived at my home. I have stated that they have the wrong phone number and they continue to call my house all throughout the day, everyday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
This. company Choice Recovery appears on my credit report for {$550.00}. This debt does not belong to me - I have been XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-02-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: W.J. BRADLEY MORTGAGE CAPITAL
State: CA

Complaint narrative:
My loan from WJ Bradley Mortgage XXXX ( WJB ) was service transferred to XXXX in XXXX. I had already paid my XXXX mortgage payment to WJB in late XXXX the amount of {$4000.00} with check # XXXX ; they received it and credited our account on XXXX/XXXX/2015. Unfortunately, because the service transfer was set up prior to my first mortgage payment, but the actual service transfer occurred after my first payment, the loan amount at XXXX does not reflect the correct principal on my loan. 
I keep calling XXXX and the phone center personnel either disconnect me, do n't call me back or ca n't help me. I have written a letter documenting the problem to them. I will attach it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 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: United Accounts, Inc.
State: WI

Complaint narrative:
a few months back I noticed a decrease in my credit score so I investigated.I hired XXXX to look and they told me there was a collection action placed against me in XX/XX/XXXX by a company called United Accounts Inc. XXXX. So XXXX XXXX filed challenges with the credit bureaus and one has removed the item two remain. I also contacted United Accounts and was told this was supposedly a debt from an old landlord from XXXX This debt was paid in full by my father. We actually traded my living room furniture to the manager and he cleaned the apartment and washed the carpets. 
United accounts told me they received this debt in XXXX I then asked why I did n't receive a letter informing me of this debt, allowing the 30 days to challenge/prove I did n't owe it. They then told me that they sent a letter to the address I vacated I told them I was a student and never used that address I only used my home address and it was on the lease and I stated that the creditor should have provided that, At the very least when the first letter if sent was returned to them. I was then told they were not required to and eventually I would be forced to contact them with a collection item on my credit reports. 
This is when I filed the first complaint with your agency. I called your office last week and spoke to a gentleman there asking what happened because I just heard from a collection company in XXXX called XXXX attempting too collect on this.They told me the company that sent it to them was United Accounts. He then told me they very briefly responded to the complaint on XX/XX/XXXX stating they will send a letter to me and then apparently that closed the complaint. I informed him of this action by them and he suggested I refile a complaint and state all of this. By the way I have to this day never received any contact from United Accounts. So to sum it up United accounts received a paid off year old " debt '' and chose not to confirm this debt with me and when I filed a complaint very briefly answered it and never followed through with there answer but instead chose to punish me for filing the complaint by forwarding the debt to another collection company. This is XXXX!!!

Company response to consumer: Closed
Consumer complaint received 2016-06-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: LJ Ross Associates
State: NJ

Complaint narrative:
I was never given a chance to dispute the debt. I did not know about this debt and was never given the chance to pay it. They had a wrong address on file and never sent me anything just reported to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Investment Retrievers, Inc.
State: CA

Complaint narrative:
Investment Retrievers continues to incorrectly report information to the XXXX credit bureaus despite having confirmed in a conversation that they are misreporting. They have continued to misrepresent the the balance and status of the account including account activity and they 've done so knowingly but are refusing to accurately report as a means of making sure I do n't stop paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: LJ Ross Associates
State: NJ

Complaint narrative:
I formally dispute the validity of this debt. Please provide me with the following documentation that supports why you believe this debt belongs to me, and why you believe I owe this amount. 
invoices from XXXX to my address mentioned above. 
Please send me copies of the original application for this account, any signatures associated with this account, any bills associated with this account, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a Chapter XXXX Bankruptcy on XX/XX/XXXX. The Bankruptcy was discharged on XX/XX/XXXX. That being said, it got my attention that on a credit report pulled on XX/XX/XXXX I found that XXXX mortgage loans with XXXX XXXX XXXX and an auto loan with XXXX XXXX have been reported incorrectly for almost 2 years or so. Here is the detailed information of these XXXX accounts : XXXX XXXX XXXX Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX XXXX XXXX XXXX Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX XXXX XXXX Dealership Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX I never missed a payment. I understand that during the bankruptcy process the financial institutions mentioned above could n't report my payments to the credit bureaus because that would be a Federal Law violation. But what about after the Bankruptcy was discharged? I have proof that I have been making payments on time to the financial institutions mentioned above. The mortgage loans with XXXX XXXX XXXX are still active and I am making payments. The XXXX XXXX auto loan is finished and I received the Certificate of Title on XX/XX/XXXX. So how come these XXXX accounts status is still " Bankruptcy ''??? 
Please see the page of my credit report where the account not only are report as COLLECTIONS but the creditors reported the accounts with " Bankruptcy '' Status a year later after the Bankruptcy was discharged and no payments reported after that. So, what happened with the payment history of these XXXX accounts?

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 2015-12-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX is not reporting the right information to the XXXX credit bureaus for my account. 
1 ) I had a charge off years ago, XXXX 2011. 
2 ) XXXX and I came up with a payment arrangemet at {$50.00} per month. 
3 ) I have made consistently paid monthly payments for over 4 years. 
4 ) I have requested a number of times for this to be taken off my report. 
5 ) What 's not being reported is the timely monthly payment agreement I made with XXXX during the past 4 years, this is not FCRA-Fair Credit Reporting ... this is false and not 100 % true reporting. Can some one at the CFPB please help me resolve this matter? 

XXXX XXXX XXXX XXXX XXXX. 
XXXX Ct. XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Since XX/XX/XXXX I have filed the same complaint XXXX times with TransUnion. In all occasions, the issue is that the " High Balance '' shown appears higher than the " Credit Limit '' shown below it. In each or the complaints, the " Credit Limit '' was shown lower than what it was at the time of the " High Balance '' making it appear as though I over-extended my credit, which was NOT the case. In each incident, the credit limit was later lowered, but never lower than the current high balance. In XX/XX/XXXX, when I reported this issue for the XXXX time, I enclosed the same pages I will be including in this complaint. In this XXXX complaint, the report states that XXXX of the issues were resolved, and XXXX were confirmed. There was no resolution to the first XXXX, and the other XXXX are both from XXXX Bank, and they have NO RECORD OF EITHER OF THESE ACCOUNTS, OR MY S.S. NUMBER. I have no idea how their information is confirmed, particularly with the evidence I enclosed. 
Also ... I noticed on this report a collection for XXXX just re-appeared. This was disputed at every level, and it was confirmed that this collection is not valid. This has JUST appeared this month on my report, between the XXXX and XXXX repeated complaint on the above mentioned issues. Please include this new ( yet, reoccurring ) issue in my complaint. 
Over the past 14 months, I was denied credit multiple times citing this exact reason for their decision. Over the course of that time, this has caused numerous financial issues, the total damages of which continue to grow. 
I believe the pages I am uploading with this complaint are overwhelmingly clear. In EACH occasion, they are the statements from the time of the " High Balance '', and ALL of them are showing a HIGHER " Credit Limit '' than what is reported. This method of reporting the current " Credit Limit '' below the " High Balance '' when the high balance ( In all my cases at least ) occurred when there was a higher credit limit available. 
The enclosed file, " re re redispute '' describes the Exhibits enclosed, and was sent to TransUnion in the XXXX complaint on these issues. 
PLEASE DO NOT INCLUDE EXHIBITS IN THE PUBLICATION OF THIS COMPLAINT.

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 2016-12-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ATG Credit, LLC
State: IL

Complaint narrative:
I recently reviewed my credit reports and I have found several accounts from this debt collector that they say belong to me. Under the Fair Credit Reporting Act, 15 U.S.C & 1681g I have the right to demand that documents be disclosed to me verifying accurate information with my signatures. I am also allowed under the XXXX law to protect my privacy and medical records from third parties.. I have sent numerous requests to delete this misinformation from my credit reports and no response from this company ... I would really like this resolved and all misinformation deleted from my credit profiles please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
After my mother died in late 2015, I proceeded to close her estate. I was co-owner with her on XXXX bank accounts with Chase Bank. Since at least XXXX, the bank has refused to return the money I had put in the account amounting to roughly {$2100.00}. After some wrangling back and forth, the account was frozen and then closed due to a fraud alert, but that was straightened out months ago. Now, after at least 5 hours of phone time and writing letters and sending her death certificate which the bank then processed, the bank issued a check in my name to my mother 's former XXXX. Turned out, the check was returned because the mail at my mother 's house was not forwarded to my attention. The bank then destroyed the check. I was then told I needed to change my address. So, I did that over the phone. I 've live in XXXX. After a great deal more time had passed and I had no update from the bank, I called again and was told I needed to update my address IN PERSON. The closest Chase branch is in XXXX. This is the XXXX. I am not driving all the way to XXXX to change my address with the bank. Then, alternatively, they said I would need to go to a notary, call the bank, and ask the bank to fax an affidavit and indemnity agreement for me to sign. I told them I would go to a XXXX nearby to see their notary. Then the notary would fax back the document signed and notarized to the bank so I could get my check. I asked them to be sure and update their notes. That was before the holidays. I was dreading going to XXXX to follow up and close this matter since I was afraid Chase would fail me again. Last Friday, I mustered up my determination once again and called Chase before I went to XXXX. Sure enough, after being transferred to XXXX different people and being on the phone for XXXX minutes -- mostly on hold -- they said they would not send the agreement to XXXX for me to have notarized. They said once again I would have to go to a branch. I have never seen such gross incompetence by a bank before. Finally, I threatened to file a complaint with you, or file suit against them. The rep then transferred me to yet another person -- the first who sounded like she had authority -- and she said they would investigate my complaint. They said it would take up to 24 hours. That was a week ago. I 've still not heard back. How can I get my money back? This is ridiculous! I also want to be paid any interest on the account. Please advise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a victim of the TransUnion Inquiry Issue and when I called the TransUnion ( XXXX ) the customer service representative would not help and take care of the negative inquiries reporting on my credit report.

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 2016-11-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
Ally Financial called my parents ' home number which I never gave to them EVER to harass them about ONE late payment. I had already filed a complain against them for abusively calling my own phone number, so I assume they tracked down my parents ' phone number and decided to attempt reaching me by harassing them. Unacceptable and, in my opinion, worth being sued for it. When I called them to ask how they got the number when I never gave it to them they said they would not remove my parents ' phone number until they received payment. The representative was rude and then hung up on me. They have absolutely no right to harass my elderly parents who have NOTHING to do with my own accounts. And this came to happen with just ONE late payment that was n't even 30 days late yet. This is completely unacceptable. Late or not, they have always been paid and I have paid ALL late fees. This harassment MUST STOP.

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 2015-12-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I filed bankruptcy and XXXX 2015 and it was discharged in XXXX 2015. Debts included in my bankruptcy started coming off my credit reports on their own and the ones I did dispute I received a quick response and they were removed. I 'm having an issue with XXXX/XXXX I have disputed it many times to all XXXX credit reporting bureaus, on the most recent XXXX I sent a copy of my bankruptcy petition and the result was they updated it on my report saying charged off sold to another lender but, yet on a privies dispute about two months ago they updated reports with status as included in chapter XXXX bankruptcy and now they have changed it to the charged off status. On last dispute XXXX would n't accept my dispute because I had previously disputed. The dispute case numbers I provided above are the most recent ones. XXXX/XXXX is showing up as derogatory and negative on my reports which is affecting my credit score as I am trying to build my credit. I 'm having success rebuilding my credit except for with this company reporting incorrect information on my reports. This is the only negative thing on my reports. As I am looking to the future trying to buy house with my husband, obtaining certain credit cards ( which I am using responsibly ) or loans to help build credit I 'm not able to because of this derogatory/negative incorrect information being reported.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I called transunion and stated to them that my student loan had been consolidated and were all one loan.Transition still refused to remove it off my credit report which is showing 6 different times.Transunion has giving me the run around and provided no help my loan is in good standing but refuse to update my information.

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 2015-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On my credit report, there are XXXX accounts listed showing I am an authorized user which should no longer / not be on there. XXXX, XXXX and XXXX each have account with my name listed as an authorized user. They each have a balance of {$0.00} and I have no idea who to contact regarding ownership of the accounts to have my name reviewed. According to the credit reporting agencies, I am to file this complaint to have them corrected. Therefor, this is the sole purpose of filing this information with you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 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: SC

Complaint narrative:
Hi, i just never recieved my free credit report in the mail from all XXXX agencies. Its been over a month now. XXXX TransunionXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
My sister needed a vehicle for work the auto dealership said her credit was n't strong enough and that she needed a cosigner to help, I agreed. 
The auto dealer first ran my credit through several of there lending institutions causing several hard inquires to my credit report. Now my credit report shows the purchase and or new auto loan as if I am sole obligor, is such the case when cosigner.

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