vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I received a notification today that a collection was added to my credit report in the amount of {$84.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: RABOBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Please visit this link for a detailed report : https : XXXX I have paperwork from Bank Manager XXXX XXXX that overdraft attempts will not be permitted on my checking account, yet they try to ram them through anyway. Please make them stop their illegal activity. XXXX is trying to charge without consent ( they are only allowed to use debt card, & only when I request the transaction, not 'automated ach ' or 'recurring scheduled payment ' things ), and Rabobank keeps letting them try to overcharge, which violates the 'Overdraft Protection Act Of 2013 ( H.R. 1261 ) & various other laws. XXXX is essentially trying to steal about {$380.00} from me this way, & Rabobank about {$170.00} in fake 'overdraft fees ', total about {$550.00}. Unfortunately your complaint form deletes return spaces between paragraphs, making things into 'annoyingly unreadable monoliths ', which makes them harder to read & understand, so I have posted the complaint online with additional details ( which will be updated as new information is available ) at this web address. Please visit this link to read the complaint details : https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: GA

Complaint narrative:
I recently applied for a person loan to start my new business. Long story short I wasn't approved so it prompt me to check my credit report. I see items on my credit report that are not mine. These items are not mine and I need these items removed from my credit report. I've contacted the FTC and the police and I'm doing this myself. XXXX XXXX, XXXX, XXXX, XXXX. Inquiries : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, 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 non-monetary relief
Consumer complaint received 2019-05-14 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: CO

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX XXXX partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Armcon Corp
State: CA

Complaint narrative:
I received through my credit monitoring an alert that a collection was added to my credit report. I sent a validation letter to make sure that this was my debt. I called XXXX XXXX and they acknowledge that they did, in fact, receive my payment and that it was deposited. I verified this but this collection agency will not remove. In fact, they updated this in XX/XX/XXXX as owed debt {$110.00} as retaliation and showing still owing the debt hurting my credit score on all 3 credit agency 's ; this has impacted my perfect credit score. This check was sent in and paid, the medical office misplaced this and deposited it on XX/XX/2019. XXXX XXXX XXXX illegally, misleading information and illegally filed collections when it was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Credit and Collection Service, Inc.
State: OR

Complaint narrative:
Hello, I called on XX/XX/2019 to resolve a debt & find a solution, the call ended at XXXX XXXX. I tried to explain I wanted to pay them back. XXXX, the supposed " supervisor '' kept lecturing me that I made an agreement & that I let this happen. Advised me they couldn't do anything unless I paid a lump sum of the loan, that then she could offer a discount. That's not so much my problem, but I continued to tell her that " where would I even find that money '', she responded that she didn't know me that it clearly wasn't her problem, how this was the only way to get a discount. At that point, I became frustrated because she continued to belittle me & it felt as she was laughing at the situation. I let her know she was coming off rude and that it was very unprofessional, counterproductive too. That I wanted to find a solution and that this conversation had turned into a lecture of thing I already know. I already know it was my responsibility to adhere to the bank agreement. I would have preferred to find some sort of payment plan, which I asked her if I made payments and then got my balance down if I could eventually find some sort of discount for the debt I have. She ignored that questions. Then argued with me about her being rude and unprofessional. Continuously interrupting me to the point I felt very disrespected. When I requested to speak to the manager, she said there was no one else and that I could talk to the owner. But, refused to transfer me & also refused to give me anything other than her first name. Told me she was the one in charged & then hung up on me. Following that I attempted to recall & another employee again told me they heard her talking to me and said that she didn't do or act rude to me. He also laughed, then transferred me to the supposed owners voicemail saying he wouldn't be in until the afternoon. The voicemail had no features of identification, so I'm still not sure if they even did that. Hands down the most rude and violated feeling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 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: CO

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX partial account number ****XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This debt is expired and also does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: CO

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4 and 5 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Since 2015, have been trying to get this removed off my credit my spouse had filed Chapter XXXX XXXX XXXX XXXX XXXX this had went to a Collection agency LVNV FUNDING /Resurgent XXXX for 3 years been filing complaints and trying to get this removed / deleted off my credt the other reporting agencies had closed this account that was in collections except for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TX

Complaint narrative:
I received a notification today that a collection was added to my credit report in the amount of {$71.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: CA

Complaint narrative:
I called Transunion to request hard inquiries be removed from my credit report for the reason the company did not follow proper procedures to delete and add the inquiries back on my credit report. The representative I spoke with did not approve deleting the hard inquiries from my credit report. I have attached a list of all the hard inquiries I called to get deleted from 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 2019-05-14 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: CO

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4 and 5 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GMA Investments, LLC
State: MO

Complaint narrative:
XX/XX/2019 Morning- This company contacted me at my place of employment. The company would not identify itself. I let them know that they had the wrong # and was responding to in a threatening manner. 
XX/XX/2019 Afternoon - The company then sent a verification of employment to my place of employment and would not identify themselves or the specific information needed. I then contacted this company phone and asked why they contacted my employer. The woman 's response was " Do you know what a garnishment is? '' i agreed that i did know. She went on to say that i have two options, i can either get on a payment plan or proceed with garnishment. I asked her to provide documentation of the matter, she then stated that she did not have to provide this. She then sent me to the " payment center '' where they took my bank info but would not provide me with any agreement information or case #. 
I didn't feel confident about the whole thing so i googled the # and found that many people had reported the same thing. 
XX/XX/2019 - I contacted this company today let them know that i would not be paying them anything until i had documentation. The woman on the other line began yelling stating that she was not my child and i couldn't tell her what i wasn't going to do and then she hung up. I called back and someone else picked up, i then advised them again that i need documentation and that if they call again, i would report them. 
Shortly after this, i received what looked to be a falsely written letter to collect debt. Misspelled words and my full name was not included. This company doesn't even show up on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: CA

Complaint narrative:
A Collection in the amount of {$190.00} showed up on my credit a few years ago. I was never given any verification of the debt or notified by the debt collector that I had a right to dispute. I paid the collection in full and was told that the item would be removed from my credit report. I'm not even sure if the debt was mine, but could not surely deny it wasn't so I thought it best to pay them and make an agreement to have it removed from my report. This has been over a year and this is still showing on my credit report. They updated the negative remarks to include that the collection was paid in full, but they refuse to remove it from my report like they agreed to do when I paid them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently applied for a person loan to start my new business. Long story short I wasn't approved so it prompt me to check my credit report. I see items on my credit report that are not mine. These items are not mine and I need these items removed from my credit report. I've contacted the FTC and the police and I'm doing this myself. XXXX XXXX, XXXX, XXXX, XXXX. Inquiries : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX-XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, CXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Contacted by voicemail only ( dialed directly into the voicemail on my cell phone to leave message ) two times with messages threatening legal action if I did not call their client. These messages were from " XXXX with XXXX XXXX XXXX '' and directed me to contact her " client '' at XXXX " regarding case # XXXX. When I called the number a very gruff man answered and identified the business as XXXX and XXXX. After I gave him the case number he transferred me to the " litigation department ''. A woman answered and said this is concerning " a Walmart credit card that you didn't pay ''. She said with fees the balance is " about {$2500.00} '' but that I could settle with a {$1000.00} payment now. Otherwise I will be sued and they will garnish my paycheck. She then threatened to contact my employer and have 25 % of my pay garnished. This is for a debt that was charged off by the original creditor in XXXX, 2013, no payment arrangement has ever been made on this account and it is well beyond the statutory four year Statute of Limitations. When I refused to pay and hung up, the company called my ex-wife on her cell phone and similarly threatened her, they then called my current wife on her cell phone and similarly threatened her. this behavior is harassing and illegal.

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 2019-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: IN

Complaint narrative:
I have disputed this debt with three different collection agencies as the debt is not mine. I have completed a fraud packet with XXXX as well. I sent that information in to the previous agency. XXXX XXXX XXXX. This debt has reappeared on my credit report again. I again disputed and asked for the validation of this debt several months ago. I have still not received any validation. This is fraudulent and violates my rights under the FDCPA and FCRA. I am asking that this be rectified and removed the erroneous debt from my credit report. I will also be filing a XXXX complaint as well since this company did not do what they were required to do with the previous dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently applied for a person loan to start my new business. Long story short I wasn't approved so it prompt me to check my credit report. I see items on my credit report that are not mine. These items are not mine and I need these items removed from my credit report. I've contacted the FTC and the police and I'm doing this myself. XXXX XXXX, XXXX, XXXX, XXXX. Inquiries : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX-PRIVATE CRED, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, 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 2019-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I received a notification today that a collection was added to my credit report in the amount of {$66.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was charged at a XXXX card XXXX dollars from an ATM on my credit card, i filed it as fraudulent as i did not approve this transaction. I had my card taken during the night and returned later, when i checked my statement and saw the charged I called the dept and reported it. After the did there due diligence i got a call later saying my dispute was denied as they had video proof and picture evidence it was me. I asked for it saying no chance and they said they would send it to me. over a month later I still did not get this " evidence '' so when i called they ended up sending it to me and when I received it, while my card and ID were in the PDF sent to me were mine, the signature was not mine ( could go through prior transactions and prove that quite easily ) and the photo evidence they had that it was me the man in the picture was clearly not me. anyone with a set of eyes can look at the photo and see there is no resemblance of the man in the picture and my self. The cc fraud department said they couldnt make out of the picture if it were me or not and they arent signature experts so they couldnt figure that out either. I have told there are no other options left so now I am here. the photos are encrypted so we will have to reachout to them ( Citi bank mastercard for XXXX XXXX to have them send the pictures )

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