vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
Capstone Collections out of XXXX, FL. Their phone number is XXXX, Fax XXXX. Their address is XXXX XXXX XXXX, XXXX, FL. XXXX. 
They have been harassing me by phone in the past and are extremely unprofessional with resolving this false claim. They are falsely claiming that I owe them {$3100.00} to be paid to XXXX XXXX XXXX XXXX for not providing a prior 60 day move out notice, which was indeed provided and logged into the property managers computer in front of me in person due to my need for permission to get a full tractor truck onto the property for relocation by our employer. I rented a XXXX apartment unit for several years at XXXX XXXX. Capstone told me to prove that that we gave a signed 60 day move out notice from 5+ years ago, and to contact XXXX to get proof to resolve their collections and they will not stop the collection until I pay Capstone. This continues to show negatively on my credit report and I need it resolved asap. They claim that we did not give the FL. statute 60 day prior move out notice before we ended our lease. We did not break our lease and we did certainly indeed give a written Word document signed with more than 60 day notice to the assistant property manager at the time, XXXX. We never received a receipt for submitting a written 60 day notice from XXXX XXXX or XXXX XXXX, the process was to have it noted on our account. We did sit with XXXX while she put the notes from our written notice into the computer under our account. We were both witness to that. I have our lease document copies which I showed you showing a XXXX   balance when we moved out and we received our full deposit returned to us as well. We also gave her the name and date that our movers were scheduled to come relocate us at the end of our lease date so that we would not have issues with a large moving truck blocking our neighbors. After moving out, we also did the final walk through with assistant property manager and she stated that our unit was the cleanest move out she had ever walked through. We then gave her our keys and had a zero balance form printed out and given to us. I had our unit thoroughly cleaned and even paint touched up before moving out. The original creditor Capstone is fraudulently collecting for is now out of business since XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX.Capstone Credit & Collection , LLC is falsely attempting to collect a made up debt without proven  documentation for a creditor that does not exist anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX aka XXXX took a deposit of {$160.00} from me but never returned it and then without ever sending me a final bill, put a charge of {$60.00} on my credit report. I have tried over and over to get this resolved with no luck at all. I filed a complaint with the IURC ( Indiana Utility Regulatory Commission ) and got a call from XXXX XXXX XXXX but same story. They sent my deposit refund to XXXX XXXX XXXX who says they sent on a debit card it to the wrong address and the debit was used in another state. ( Ohio ) So " they '' sent " My '' deposit to some other person and now they say tough luck for me. This is insane. I'm XXXX years old and have never been so outraged or experienced such disregard for people.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: DE

Complaint narrative:
A charge came through on my account from a place I visited on XX/XX/19 for {$260.00}. The issue was that the charge was for {$26.00}. I filled a dispute with Citibank and advised them that this place said they don't have the receipt. 

Citibank advised me they can't help me because I don't have a receipt but yet they made NO attemp to contact the merchant processor to show the true charge. As a consumer I have done everything I can do and I'm not getting anywhere from the merchant NOR Citibank so I'm not sure why I'm being penalized. 

I'm not sure if the merchant falsified the charge when they put it through or not but at this point it needs to be fixed by Citibank.

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 2019-11-08 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: PA

Complaint narrative:
I went through a hard time in my life, I had my auntie pass away unexpectedly from XXXX so naturally, I was spending the bulk ok my money on my family. I left the payments lapse on this account with XXXX XXXX but, when I was able I paid the card off in full. I have repeatedly called them and sent numerous goodwill letters to try to get to update the late payment history on this card because it affects my chances of getting jobs or even a home. And honestly if it's easier why not just delete it, the account is paid. They consistently tell me that it's not up to them, Equifax has to do this on there own. They don't have much empathy either, just take the money and not willing to help. The XXXX XXXX XXXX has been paid, I would like Equifax to update the payment history or just remove the card please so my score can increase and I can move forward with helping my family properly. The card is paid!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: DE

Complaint narrative:
I provided proper notice and moved out of my apartment at XXXX XXXX at the end of my lease. I cleaned the apartment and took and provided photos of the apartment for my protection. 

The apartment complex ( as many of these management concerns do ) fabricated fees that I owed and sued me for them. The judge dismissed the case " WITHOUT PREJUDICE '' because I provided all of the backup of a proper notice and the pictures of my apartment. 

I disputed this collection with XXXX XXXX XXXX ( which can not be collected by law ) and the bureau left the item on my file. The account number is XXXX and the amount listed is {$1700.00} I have provided a copy of the court decision

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/2015. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA AS TO HOW THESE INQUIRIES GOT ON MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA AS TO HOW THESE INQUIRIES GOT ON MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-11-08 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: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Nationwide Credit continues to call my office in spite of the fact that I have told them repeatedly that the person they are trying to contact is not here and does not work here. Most of the time if I do answer the call, there is no one there. No message is ever left either. I have called the office number in Illinois and spoken to a manager, told him that the person is not here and to stop calling. I have written a letter to Nationwide, asking that they contact me via mail if I owe someone money ( which I don't ), and to stop calling. They continue to call, but don't leave a message. This is harassment. 
Nationwide phone number is 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 2019-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had an online friend ( XXXX ) real name he told me was XXXX for 2 years that scammed me with a money flip scam over the internet. He was very persistent and kept telling me he had a really big job as a XXXX XXXX and he made XXXX every 2 weeks. He recently bought a house with a girlfriend and that's why he needed money for food. He first asked for XXXX he was giving me options and finally we settled through XXXX using my bank of America account he got really excited about XXXX. I didn't think at the time why XXXX but now I found out that XXXX unlike XXXX has XXXX fraud protection. He then said this was my chance to make some big money so I should send as much as I can so then I sent XXXX. He said he would give me XXXX XXXX XXXX on Thursday. Then literally the next day he told me to be a good friend again and send him XXXX dollars so he could take a plane ticket to go see his girlfriend because her mom just had a XXXX XXXX and he wanted to be there for her. He said if I didn't help him with XXXX there was no way he would be able to pay me back but if I did give him the money I got get back XXXX  so I thought about it and realized I was already XXXX dollars in with this guy 's scam and was scared because he threatened to not pay me back if I didn't comply so like an XXXX I did again. Right after he scammed me out the money he started avoiding me and blocked my phone number I tried a million times to explain to him that if he needed money he could've just told me and I would've helped him with what I could. But instead he decided to scam me out of all my money and now I feel like an XXXX thinking I could've made XXXX. I tried calling XXXX and reporting what happened but they said they can't do anything about it. I tried telling them that I have proof of what he did and they know both or accounts and the proof coincides with the text messages but they want to treat the scam like its not a scam and I just decided to openly give all my money to someone I've never even met with or he wasn't tricking me to giving him everything.

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 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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 have submitted a dispute to the credit bureau in question before regarding a fraudulent account on my credit report. They have been unable to resolve my situation with removing the error on my report. I attempted to contact the company in question directly without much luck. The company name is XXXX XXXX. They have a one page website ( XXXX ) with a phone number to another company named XXXX on the bottom of the page with no physical address information. I can not find their address on my XXXX  XXXX credit monitoring report. I do not know of any way to contact them. It makes me wonder how the credit bureaus were able to verify this information. It is not correct and I would like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-11-08 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: VA

Complaint narrative:
I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

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 2019-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Global Asset Management Group, Inc.
State: PA

Complaint narrative:
They call once a day threatening to garnish wages, and threatening legal action using an automated message. I have the recording of the message on my voicemail.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
Chexsystems is reporting a derogatory mark on my credit from XXXX XXXX XXXXXXXX as a closed account with a negative balance due to account abuse, I was in contact with XXXX   at the time notifying them that the balance would be paid the account was closed with no warning or due date, as well theirs inaccurate information regarding addresses associated with my name on my chexsystems 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 2019-11-08 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: PA

Complaint narrative:
I went through a hard time in my life, I had my auntie pass away unexpectedly from XXXX so naturally, I was spending the bulk ok my money on my family. I left the payments lapse on this account with XXXX XXXX but, when I was able I paid the card off in full. I have repeatedly called them and sent numerous goodwill letters to try to get to update the late payment history on this card because it affects my chances of getting jobs or even a home. And honestly if it's easier why not just delete it, the account is paid. They consistently tell me that it's not up to them, XXXX has to do this on there own. They don't have much empathy either, just take the money and not willing to help. The XXXX XXXX XXXX has been paid, I would like XXXX to update the payment history or just remove the card please so my score can increase and I can move forward with helping my family properly. The card is paid!

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 2019-11-08 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: PA

Complaint narrative:
I went through a hard time in my life, I had my auntie XXXX XXXX unexpectedly from XXXX so naturally, I was spending the bulk ok my money on my family. I left the payments lapse on this account with XXXX XXXX but, when I was able I paid the card off in full. I have repeatedly called them and sent numerous goodwill letters to try to get to update the late payment history on this card because it affects my chances of getting jobs or even a home. And honestly if it's easier why not just delete it, the account is paid. They consistently tell me that it's not up to them, XXXX  has to do this on there own. They don't have much empathy either, just take the money and not willing to help. XXXX XXXX XXXX XXXX has been paid, I would like XXXX  to update the payment history or just remove the card please so my score can increase and I can move forward with helping my family properly. The card is paid!

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 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AES/PHEAA
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: DE

Complaint narrative:
I provided proper notice and moved out of my apartment at XXXX XXXX at the end of my lease. I cleaned the apartment and took and provided photos of the apartment for my protection. 

The apartment complex ( as many of these management concerns do ) fabricated fees that I owed and sued me for them. The judge dismissed the case " WITHOUT PREJUDICE '' because I provided all of the backup of a proper notice and the pictures of my apartment. 

I disputed this collection with XXXX XXXX XXXX ( which can not be collected by law ) and the bureau left the item on my file. The account number is XXXX and the amount listed is {$1700.00} I have provided a copy of the court decision

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 2019-11-08 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: DE

Complaint narrative:
I provided proper notice and moved out of my apartment at XXXX XXXX at the end of my lease. I cleaned the apartment and took and provided photos of the apartment for my protection. 

The apartment complex ( as many of these management concerns do ) fabricated fees that I owed and sued me for them. The judge dismissed the case " WITHOUT PREJUDICE '' because I provided all of the backup of a proper notice and the pictures of my apartment. 

I disputed this collection with XXXX XXXX XXXX ( which can not be collected by law ) and the bureau left the item on my file. The account number is XXXX and the amount listed is {$1700.00} I have provided a copy of the court decision

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