vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX, acct. no.XXXX  is wrongfully appearing on my XXXX   TRANSUNION AND XXXX  credit bureau reports.The problem is that the collector works for XXXX , the original creditor.XXXX has multiple collectors working for them. 
When this same fraudulent debt was put on my reports earlier this year, the account was deleted by all 3 bureaus.I have attached evidence showing that the previous collector XXXX XXXX XXXX., acct. no.XXXX was deleted by all 3 bureaus. 
What is underhanded and probably illegal is that XXXX fails with one collector due to a fraudulent debt and merely hires another to collect the same debt, wrongfully damaging my credit again. 
ONCE AGAIN ... I have never had a XXXX ACCOUNT, PHONE OR TELEPHONE NUMBER.THE email address on the first collector 's debt validation, associated with the XXXX account '' XXXX '' has never had anything to do with me and I don't know whose it is.

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 2018-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX, acct. no.XXXX is wrongfully appearing on my XXXX   XXXX AND EQUIFAX credit bureau reports.The problem is that the collector works for XXXX , the original creditor.XXXX has multiple collectors working for them. 
When this same fraudulent debt was put on my reports earlier this year, the account was deleted by all 3 bureaus.I have attached evidence showing that the previous collector XXXX XXXX XXXX, acct. no.XXXX was deleted by all 3 bureaus. 
What is underhanded and probably illegal is that XXXX fails with one collector due to a fraudulent debt and merely hires another to collect the same debt, wrongfully damaging my credit again. 
ONCE AGAIN ... I have never had a XXXX ACCOUNT, PHONE OR TELEPHONE NUMBER.THE email address on the first collector 's debt validation, associated with the XXXX account '' XXXX '' has never had anything to do with me and I don't know whose it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Consultants of California
State: CA

Complaint narrative:
In XX/XX/2018, I disputed a medical debt on my credit report. On XX/XX/2018 I received several letters indicating the amount they claimed I owed and my personal and private medical diagnosis and procedures that were performed from the hospital from the collection company Collection Consultants of California. The original creditor was XXXX XXXX. My rights have been violated as an American citizen! I have never given this company the right to access my personal information obtain info about my medical procedures and diagnosis. This is definitely a DIRECT VIOLATION OF MY HIPPA RIGHTS! I never authorized the release of my information!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I disputed this account with the credit bureaus in the past and it was deleted and now this debt was recycled and purchased without any proof that alleged debt is mine.Sending a bill is not proper validation that i owe alleged debt nor my signature can be verified.Please delete negative information off my credit report or i will have my attorney from XXXX XXXX XXXX in XXXX, Fl to seek damages for defamation.

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 2018-10-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Goldcar Lending Inc.
State: GA

Complaint narrative:
GOLD CAR LENDING {$4300.00} the car was returned inXX/XX/2017 the car was sold they accepted the car back and have the car and have sold the car to also any balance left should not be reported on my credit and needs 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 2018-10-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX is reporting a business card and debt as a personal debt. It was never reported on my personal report until it went delinquent. They must either report the entire history ( over 2 years of positive history ) or remove completely from the repot. 

Also, since it is not a personal debt and was never personally guaranteed I want proof of a personal guarantee which they have refused to give me since it doesn't exist. 

I have tried several times through them and XXXX XXXX and Experian to remove this or correct it and they refuse. This is contrary to my rights. I want this rectified. Thank you.

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 2018-10-08 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: CA

Complaint narrative:
I was over charged on my XXXX 's account this was evident by a credit I received from XXXX who underwrote the account. This has been an ongoing dispute with the Credit repositories, I was asked to send in my proof for my dispute, however, I was not able to upload the documentation. When I called Experian that were not able to tell me why their system was not working then requested I mail the documentation for dispute along with my drivers license, paycheck, and social security card, when I asked why since this was a ongoing dispute I was not given an answer I asked to speak to a supervisor, I was assured one was calling me back today it didn't happen.

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 2018-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc.
State: KS

Complaint narrative:
I was used as a reference for someone, and when the company could not reach the original person, they started calling me. This a collection of which I have no knowledge. I passed the message along and expected the calls to stop. Even after explaining that I had passed the message along, and wanted them to remove my number from their call list. They still call, over and over!

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 2018-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, XXXX XXXX shows up on my Experian report twice as a debt. 
On XX/XX/2013, it shows up as {$280.00}. And on XX/XX/2013 for {$680.00}. In california, the statute of limitations is 4 years, but these collections keep showing up on my account.

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 2018-10-08 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: CA

Complaint narrative:
I was over charged on my XXXX 's account this was evident by a credit I received from XXXX who underwrote the account. This has been an ongoing dispute with the Credit repositories, I was asked to send in my proof for my dispute, however, I was not able to upload the documentation. When I called XXXX  that were not able to tell me why their system was not working then requested I mail the documentation for dispute along with my drivers license, paycheck, and social security card, when I asked why since this was a ongoing dispute I was not given an answer I asked to speak to a supervisor, I was assured one was calling me back today it didn't happen.

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 2018-10-08 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: CA

Complaint narrative:
I was over charged on my XXXX 's account this was evident by a credit I received from XXXX who underwrote the account. This has been an ongoing dispute with the Credit repositories, I was asked to send in my proof for my dispute, however, I was not able to upload the documentation. When I called XXXX that were not able to tell me why their system was not working then requested I mail the documentation for dispute along with my drivers license, paycheck, and social security card, when I asked why since this was a ongoing dispute I was not given an answer I asked to speak to a supervisor, I was assured one was calling me back today it didn't happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased a refrigerator and I qualified for {$6000.00} no interest for 24 months credit card that I'd be able to utilize anywhere. The refrigerator insurance was for 3 years and it broke down on XX/XX/XXXX and was replaced on XX/XX/XXXX. According to the policy, the company was supposed to replace the refrigerator in a quick manner, which was not respected, we were without a refrigerator for 50 days. The insurance covered {$280.00} for the food that spoiled in the refrigerator. By XX/XX/XXXX the account balance had gone up to {$10000.00} and they had already cancelled my card. I kept calling the company but they wouldn't answer my calls. On XX/XX/XXXX they answered me and the representative I spoke to said that if I made a {$1000.00} payment my account would go back to it's rightful amount of about {$5000.00}. Therefore, I made a {$1000.00} payment and my balance is still {$7000.00} and requesting a {$840.00} deferred payment. Amongst all this, I had been making my regular minimum payments of {$120.00} up until XX/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 2018-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Collection Consultants of California
State: CA

Complaint narrative:
Hello, Collection Consultants shows up on my XXXX report twice as a debt. 
On XX/XX/2013, it shows up as {$280.00}. And on XX/XX/2013 for {$680.00}. In california, the statute of limitations is 4 years, but these collections keep showing up on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/2018 I received a phone call from " The XXXX XXXX '' in Nevada stating that I was going to be taken to court if I did not pay {$960.00} for a US Bank debt from XX/XX/XXXX that then went into default in XX/XX/XXXX. I have no idea what this is from. Regardless, I asked repeatedly on the phone for them to email me this information or to send it to my current address ( which they did not have ) via US mail. They refused and stated that I had 5 days to pay this or it would go into a XXXX XXXX and then I would owe {$1600.00} and then if I didn't pay that I would owe over {$3000.00} because it would then go to court. 

They stated twice that they tried to summon me at an address that I had had mail delivered to ( a friend lived there ) when I was younger and traveling. I have not had anything to do with that address for 15 years. 

If I owe the money, I will pay it. However, I want to see it in writing so that I can verify it. This XXXX XXXX refused to send me anything in writing.

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 2018-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Collection Consultants of California
State: CA

Complaint narrative:
XXXX XXXX continues to erroneously report ( and puts back on my credit reports if removed ) that I am not making payments debts that are more than 4 years old. ( past the statute of limitations in CA ) They are not allowed to report a late payment because the account has been closed for years and I have never agreed to pay them. Every month they erroneously report late notations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of American Credit Card Number : ending XXXX I would like to dispute multiple XXXX advertisement charges that I made for advertising for XXXX, a company that got shut down by Federal Trade Commission for being a scam and fraudulent company. 

DISPUTE for total of {$13000.00}, fraudulent advertising for XXXX on XXXX XX/XX/2018 {$25.00} XX/XX/2018 {$50.00} XX/XX/2018 {$250.00} XX/XX/2018 {$500.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$280.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/18 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$1.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$100.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} Total of 23 transaction in amount of {$13000.00} MOBE was a business education platform. It got shut down by the Federal Trade Commission ( FTC ) for being a scam and fraudulent on XX/XX/2018. XXXX was permanently shut down by the receiver on XX/XX/2018. 

I was first introduced to XXXX  through XXXX ads in XX/XX/2018, I believed in the possibilities that was promised in the ad, and I believed in XXXX for endorsing the ad on its social media website. Soon I signed up with XXXX on XX/XX/2018. As soon as I sign up with XXXX, I started to introduce XXXX to the vast consumers using the advertisement function on XXXX just like the way I was introduced to XXXX. In short three months that I joined XXXX, it got shut down by FTC. I was one of the person who helped to spread it using XXXX advertisement function, and I was also a victim too. I was shocked with the power of social media that can helped to spread the scam contents virally. 

I am not sure if XXXX knew that there are people posting ads from questionable company to scam vast consumers utilizing their platform. XXXX advertising escalates and helped to spread and promote the scam exponentially. XXXX is a large social media who can not only focus on making money, XXXX had failed to safeguard this situation and allows people to post scam contents on their platform. 

I called Bank of America dispute department numerous times, I went to the branch to speak to the branch manager, I fax in related supporting documents, and I just can not get any response back from Bank of America for this dispute. Please help me, I dont know where else to go to. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-09 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: CA

Complaint narrative:
Dating back to 2015, I was a victim as were several others as prolific identity theft through at uncontrolled mail room. I alerted Equifax and XXXX or XXXX of my status of having my identity stolen and have been on dozens of calls many promising unreturned phone calls since then. I utilized the CPA, specifically 15 U.S. Code 1681c-2 with all the relevant and required information and a block on my identity stolen XXXX account XXXX. This block was later removed at the request of the creditor and I have called or disputed this account no less than 12 times since then. 

All creditors have an incentive to hold the consumer responsible for charges, less they have no hope of recovering them. This is why the after mentioned statute does not even mention the creditors opinion but instead sets out three criteria in which the CRA can remove a block, none of which apply to me. The black was nearly removed at the creditors request without an investigation by Equifax and I was not informed of any of this, thus violating point 2 of the aforementioned statute. They refuse to reinstitute the block in four days as prescribed, and instead continue to run disputes of 30 days, which the creditor denies and this it remains on my credit report. 

This is especially troubling, because I'm trying to buy at home and the difference in the credit scores between the different agencies vary by over 100 points affecting my rates significantly. I've received no communication about why the black was removed of which there are only three reasons in which it should be and none of them have to do with just the creditors biased opinion but with facts that could be relayed by the creditor but must have been communicated to me in a timely manner and still cant be communicated every time I call except with a the biased creditor asked us to. I demand that this consumer protectection statute be observed and this XXXX account be removed from my Equifax report as it has been by the other major agencies. 

Equifax has been in violation of sections ( b ) and ( 2 ) and has been through multiple complaints. The statute places all the onus on the CRA and not the creditor and their refusal to comply has passed every reasonable time line. I expect this issue to be resolved immediately, unless they can show ( 1 ) ( A, B, or C ) yet I have received no communication from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
In XX/XX/XXXX, I paid XXXX XXXX for XXXX imaging services performed on XX/XX/XXXX. The amount paid was {$930.00}, the amount due and owing. My insurance company at the time, XXXX XXXX XXXX XXXX of Georgia, paid the hospital {$4900.00} for a total paid and allowed as {$5900.00}. Discounts negotiated between XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX ) were expressly stated as {$6600.00}. The total cost of the service was {$12000.00}. Now in XX/XX/XXXX, XXXX XXXX billed for amounts identified as the discounts in the XX/XX/XXXX billing statement dated XX/XX/XXXX. It is well over a year later, and XXXX XXXX somehow adjusted the discounts afforded XXXX in XX/XX/XXXX and billed me for {$3400.00} in XX/XX/XXXX. I wrote a letter requesting the contract and pricing schedule related to XXXX XXXX services which allows for XXXX XXXX to bill for these amounts that were contractually negotiated as allowed discounts for XXXX  subscribers, and my letter was ignored and my account placed in collections with XXXX XXXX XXXX. I asked the collections firm for the documents I requested that would be found in the services agreement, and they stated that I should take the matter up with the creditor, XXXX XXXX because I have all the documents I am suppose to have. Since this verbal request to XXXX XXXX XXXX, I requested debt validation from XXXX XXXX XXXX and made a second attempt for production of documents from XXXX XXXX related to the contract which allows for the disallowance of contractually negotiated discounts for XXXX subscribers. 

This is not right and makes no sense. My account was paid with no balance due, and now I am in collections with a third party collections agency because XXXX XXXX fails to be transparent about discounts no longer afforded to me as a XXXX subscriber over a year later. XXXX has sent me another explanation of benefits dated XX/XX/XXXX which states the same discounts and allowances as my explanation of benefits dated XX/XX/XXXX. Both XXXX explanation of benefits summaries reflect the totals outlined above with my patient total stated as {$930.00}. 

Please request the documents I am not able to receive from XXXX XXXX so I can resolve this collections matter which is an amount I definitely dispute as not due and owing well over a year later. I have requested these contractual documents from XXXX  and awaiting a response.

Company response to consumer: Closed with explanation