vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
My son who no longer lives in Florida stole my identity and used it to make several purchases in my name back in XXXX and XXXX when I was still working as a XXXX  XXXX at a XXXX XXXX. I had recently lost my wife of 30 years who passed away very unexpectedly and I myself the same year almost died from a XXXX XXXX and had XXXX XXXX XXXX. I went back to work 2 months later and began working 60-70 hours a week. I paid no attention to my son who had gotten his hands on my bank account info and all my personal info, he proceeded to buy all kinds of things without my knowledge, he apparently was making payments on time and the only way I found out was when he left Florida and moved to Michigan all of a sudden. Then I started getting bills from what he had purchased under my name.I never got the mail when he was in Florida since he was smart enough to get it before I got home from work which was 10 or 11 oclock at night.I cleared up all of these accounts by returning merchandise he bought for his apartment and left in Florida, and also by writing letters to the other merchants.This merchant - cavalry portfolio services, bought an account from XXXX XXXX  .Apparantly my son bought some furniture on credit and paid about {$1000.00} of a balance of {$1500.00}, when I became aware of the account they had already sold it to cavalry at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ny XXXX, phone number XXXX.I spoke with XXXX who removed the collection from my credit bureau, however Cavalry portfolio services will not . I have disputed them in the credit bureaus, and contacted them twice, they will not delete the collection from my bureau unless I pay them {$960.00}, even though the original balance remaining was only XXXX {$600.00} they will not help me. I offered up to {$600.00} to clear it, even though I should not have to, they say it is my account because my name is on it, they don't care about identity theft, they are not interested in what's right only the money. I can not afford anymore, I have been retired since XXXX with XXXX  XXXX, I have perfect credit with a XXXX score but this account is keeping me looking like a bum with a collection account. It is very disturbing th work hard my entire life, get to XXXX years old and have this happen. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27 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: TN

Complaint narrative:
This account popped up on my credit and it is not mines. I have filled out all the correct docs to show that i am a victim of identity thief and will attach the ftc report with this complaint. Please block and remove this from my credit please XXXX  XXXX  XXXX  Account Number : XXXX XXXX / 2019

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 2019-12-27 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: TN

Complaint narrative:
This account popped up on my credit and it is not mines. I have filled out all the correct docs to show that i am a victim of identity thief and will attach the ftc report with this complaint. Please block and remove this from my credit please XXXX  XXXX  XXXX  Account Number : XXXX XXXX / 2019

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 2019-12-27 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: TN

Complaint narrative:
This account popped up on my credit and it is not mines. I have filled out all the correct docs to show that i am a victim of identity thief and will attach the ftc report with this complaint. Please block and remove this from my credit please XXXX  XXXX  XXXX  Account Number : XXXX XXXX / 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID

Complaint narrative:
RE : XXXX XXXX XXXX, Account # : USAA Auto Loan XXXX USAA has unprofessionally stalked my credit report, changed dates multiple times, and reflected inaccuracies in blatent disregard multiple times over the past 6 years. USAA is taking revenge on me and damaging my credit score. I pay all my bills on time and can not get a break because USAA is predatory. 

This latest discrepancy is USAA is reporting this Auto Loan Charge Off as : INACCURACY # 1 : Last Payment Made : XX/XX/XXXX. The vehicle was repossessed in XX/XX/XXXX so how could the last payment be made XX/XX/XXXX? 

INACCURACY # 2 : USAA is inaccurately reporting that the last payment was made in XX/XX/XXXX and at the same time saying the account was not closed until XX/XX/XXXX ( 5 years later ). 

USAA is purposely punishing me and slandering my credit report. I will give USAA 30 days to delete this MISLEADING and INACCURATE credit entry from all three Credit Bureau 's. 

I have written multiple times and USAA has refused to take responsibility and correct their blatant errors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
As of XX/XX/XXXX at XXXX I had spoke with someone at Westlake Financial in regards to getting an extension of payment for my auto loan. I was on the phone for 18min 54sec and at the end of the conversation I was read a disclosure that I would have a payment on XX/XX/XXXX. On XX/XX/XXXX I received another call and was told the first employee whom I spoke with on the previous date XX/XX/XXXX, that she had made a mistake of not charging the {$50.00} fee for the extension, so at this time of speaking with this other person I was put on hold while she spoke with a supervisor about the mistake that had been made. Again I was read a disclosure of the next payment being approved for XX/XX/XXXX with no {$50.00} fee. On XX/XX/XXXX at XXXX XXXX I had spoke with another operator and as I was explaining the situation of the past call and he hung up on me. On XX/XX/XXXX I was on the phone again trying to explain the previous call and tried to speak with a supervisor in which I was told I could not and again hung up on by the operator whom I was on the phone with for over 18 minutes. Before every disclosure is read I am told that it is being recorded for quality purposes, so I know they have these recordings and feel that they should go back and hear them. I can not be punished for there mistakes and to me a disclosure being read of when my payment is due can not be violated on there behalf. Even if I am just 1 day past my payment due date I start receiving auto-dialed/robocalls which to my understanding is illegal and against rules set forth by the FCC and I have asked them to stop. Also because of this auto-dialing/robocalling I get phone calls from Westlake Financial in excess of 5-10 times a day usually back to back, The and in some cases outside of normal business hours for my time-zone which is considered harassment. I do have all of the calls logged and keep record of the number of times called per day I do NOT erase my call log. Please assist me in making sure that Westlake Financial, with whom I have my auto-loan with, stops the harassment and makes sure that they treat me fairly regarding our current business matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affiliated Collection Services, LLC
State: NJ

Complaint narrative:
XXXX XXXX keep calling both my home phone and cell phone. 
I have no outstanding debts with anyone. 
I feel they are harrassing me and they keep leaving messages that it's " in my best interest to call them. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that Experian is reporting inaccurate and incomplete credit information on my Credit Report. 
Please remove the following inaccurate personal information : Also known as XXXX XXXX XXXX, XXXX   XXXX Address 2 : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Address 3 : XXXX XXXX XXXX XXXX, LA XXXX Collection Creditor : XXXX XXXX XXXX XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this 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 non-monetary relief
Consumer complaint received 2019-12-27 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian and XXXX continue to report and update this account every single month as a negative charge-off, thus purposely holding down my credit score which is not allowing me to be approved for new loans. This is considered re-aging the debt and severely hindering me.

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 2019-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I received a collection letter from Credit Collection Services XXXX XXXX XXXX, XXXX, MA XXXX. This is in connection with XXXX XXXX XXXX XXXX, a local telephone company that is widely known to engage in fraudulent billing. for years we had our service with them on a monthly fixed rate. All of a sudden, they started charging bogus charges. We contacted them and they admitted that these charges were not applicable. They promised to issue a credit. The promise never materialized. As this was going on for month after month, we were unable to get the credit on our account I closed this account and paid all legitimize charges, and deducted the overcharges. I also contacted the New York State Public Service Commission which told me not to pay any of the overcharges. Now XXXX placed me on collection through Credit Collection Services and contacted all 3 credit bureaus and my credit rating plummeted. I send a letter to Credit Collection Services and XXXX. The responded with a studied silence.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was solicited to use a Home Depot credit card- issued through CitiBank . One I hold but very rarely use since selling home. 
I bought a {$45.00} drill in XXXX after getting " important notice '' that I needed to use card to maintain account. Due to oversight and bombardment with junk mail, I may have inadvertently thrown statement in trash, or it wasn't received. 

When I did get next statement, I called to inquire about late fee showing.I told them I would pay the bill that day which I did, driving directly to Home  Depot  to do so. They agreed to remove the fee, but said I needed to call again, as a second late fee was charged, and they could only remove one on that day, but would be no problem to remove the 2nd. 

When I got next statement and saw no fee at all was removed, I attempted to call again. I got disconnected after being on hold for some time. I called back 2-3 days later and was connected to an adult chat line. 

Then I got notices from my credit monitoring services. I called again. Was told by a representative and her supervisor that they would not and could not do anything unless I made a payment. I refused, They have since decimated my credit, reporting as 60-90 days late. I called again today and was again told they could remove just one late fee but I had to pay two others. I refused

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 2019-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
RE : XXXX XXXX XXXX, Account # : XXXX Auto Loan XXXX XXXX has unprofessionally stalked my credit report, changed dates multiple times, and reflected inaccuracies in blatent disregard multiple times over the past 6 years. XXXX is taking revenge on me and damaging my credit score. I pay all my bills on time and can not get a break because XXXX is predatory. 

This latest discrepancy is XXXX is reporting this Auto Loan Charge Off as : INACCURACY # 1 : Last Payment Made : XX/XX/XXXX. The vehicle was repossessed in XX/XX/XXXX so how could the last payment be made XX/XX/XXXX? 

INACCURACY # 2 : XXXX is inaccurately reporting that the last payment was made in XX/XX/XXXX and at the same time saying the account was not closed until XX/XX/XXXX ( 5 years later ). 

XXXX is purposely punishing me and slandering my credit report. I will give XXXX 30 days to delete this MISLEADING and INACCURATE credit entry from all three Credit Bureau 's. 

I have written multiple times and XXXX has refused to take responsibility and correct their blatant errors.

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 2019-12-27 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: U.S. BANCORP
State: NV

Complaint narrative:
XXXX  and USBank continue to report and update this account every single month as a negative charge-off, thus purposely holding down my credit score which is not allowing me to be approved for new loans. This is considered re-aging the debt and severely hindering me.

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 2019-12-27 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian and XXXX  continue to report and update this account every single month as a negative charge-off, thus purposely holding down my credit score which is not allowing me to be approved for new loans. This is considered re-aging the debt and severely hindering me.

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 2019-12-27 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: CL Holdings LLC
State: MN

Complaint narrative:
I paid the balance to XXXX  to Jefferson capital systems in XX/XX/2019. They told me that they sent a message to the credit bureaus that my account was paid in full on XX/XX/2019. However it is still showing on my credit report that I have not paid it off. When I disputed it on XX/XX/2019they said that they did an investigation and it shows that the information is correct. When it is not

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that XXXX  is reporting inaccurate and incomplete credit information on my Credit Report. 
Please remove the following inaccurate personal information : Also known as XXXX XXXX XXXX, XXXX   XXXX Address 2 : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Address 3 : XXXX XXXX XXXX XXXX, LA XXXX Collection Creditor : ARS ACCOUNT RESOLUTION XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : ARS ACCOUNT RESOLUTION XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : ARS ACCOUNT RESOLUTION XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this 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 2019-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have a small business with Bank of America ( BOA ) account for over 5 years, also had a business credit card with BOA during that time. Realizing that on that credit card I was not receiving any type of cash back or other rewards, in XX/XX/2019 I went to the BOA at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The BOA associate there advised me that in order to receive rewards, I would have to sign up for a new credit card, which I did. 

Since then, due to various issues with the way BOA set up the new credit card account, I have come to realize, and been told by at least 2 BOA associates, that it was never necessary to have opened a second credit card account, that it should have been possible to change the prior card account or otherwise add rewards to that account without opening a new account. 

To me, this has the appearance that BOA is engaging in exactly the conduct that XXXX XXXX has been in the news for - requiring customers to open new accounts when that is not necessary. I will be cancelling my credit cards with BOA, and possibly taking my small business banking elsewhere, so I don't need any action or resolution on my behalf.

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 2019-12-27 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: NV

Complaint narrative:
There is an account that's not mine which is showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
To Whom It may concern. XX/XX/XXXX I made a big mistake in XX/XX/XXXX. I had let some credit cards get out of hand, and I was looking at paying them off. 
Somehow, I got a message from XXXX XXXX about that time, Erase your credit card debt. I made the mistake of contacting them. They were talking about a " negotiated settlement, '' which sounded pretty good. When they told me to stop making payments, I told them that would ruin my credit. They said that no one would negotiate unless the account was delinquent. They said that it would be very easy to clear my credit rating when they finished. 
Im sure you have heard this story before. I ended up with a high-interest loan for what they paid on the credit cards. Then I got a XXXX Tax form ( Earnings statement ) from the credit cards for the unpaid balance, and paid tax on it. I could have paid off the cards for what it cost me. 
I have endured the consequences for 7 years because I felt that I had created the problem, out of my own ignorance. 
It has been over 7 years, and I am still paying exorbitant interest rates, except on my VA loan. 
You can see that I am paying all of my debts on time, and I can lower the balances, if I can lower the interest rate. Currently, I see nothing on my credit report that I can protest. 
Please, just point me in the right direction to resolve this problem. 

Sincerely, 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 2019-12-27 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: NV

Complaint narrative:
There are accounts on my credit report that aren't mine.

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