vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-11 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2018 someone obtained my identity. 
They opened a bank account with USAA FEDERAL CHECKING with {$10.00} and apllied for and was approved a credit card with a {$25000.00} limit. 
This person has already pulled {$4900.00} in cash off the card. 
USAA is disputing my claim telling me it is my account. 
I have never been in the military and you need a miltary ID to open an account with USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: AZ

Complaint narrative:
InXX/XX/XXXX I learned of Contract Callers, a collection agency reporting on my credit report for a past due bill owed to XXXX XXXX XXXX ( XXXX ) in XXXX Arizona of {$260.00}. I contacted Contract Callers on XX/XX/XXXX and was informed that Contract Callers had just acquired my file from XXXX in XX/XX/XXXX ; the contrary said to Contract Caller 's reporting on my credit report as of XX/XX/XXXX. The same day ( XX/XX/XXXX), I made an initial payment, followed by two subsequent payment arrangements for XX/XX/XXXX, and XX/XX/XXXX to bring the balance of XXXX to current ; to which I fulfilled the payment agreement. 

I contacted Contract Callers towards the end of XX/XX/XXXX to request in good will my account be removed from the credit report as I knew the account to be older than seven years from date of first delinquency on XX/XX/XXXX, Contract Callers refused to remove the collections account from my credit report. 

On or around XX/XX/XXXX I felt I had recourse through XXXX   by filing an online dispute requesting Contract Callers be removed and/or deleted from my credit report for failing to report accurate account information. To which XXXX  failed to perform a thorough investigation or else they would have discovered Contract Caller 's re-aging the collection account open date of delinquency to XX/XX/XXXX to enable Contract Callers negative reporting, thus continuing to affect my credit buy malicious oppression. As of current date, Contract Callers continues to report this negative collection account on my credit report and any attempt to seek relief of an investigation by XXXX, they are of no avail in simply asking Contract Caller 's " to certify '' they are accurately reporting/providing XXXX with true information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have been overseas playing XXXX XXXX in XXXX when I started noticing random accounts appearing on my credit. I am not sure how someone could've gotten a hold to my personal info but my credit has definitely been compromised. I have no knowledge of who exactly could have done this. On my credit it states that this account was opened in XX/XX/2012 but I didn't notice it till a couple years later due to the fact that I don't use my credit as much.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Credit & Finance, Inc.
State: FL

Complaint narrative:
This company has sent me multiple letters and has reached and spoken to me by phone so they are aware they have my correct information. I told them I would pay when I could and to stop calling until then. After that, that have harassed/repeatedly called my parents and several grandparents and have given information that this was concerning a debt which should not be given to family members

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 2018-05-11 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: IL

Complaint narrative:
On my transunion account it is showing XXXX XXXX XXXX as a derogatory mark. That account should have been closed. It is still reporting as opened on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Sterling Credit Corp.
State: TX

Complaint narrative:
I made both of my biweekly payments for XXXX together iao XXXX. My payments are usually XXXX every two weeks. I made it early this month so I didnt have to make it XX/XX/18. I got a bill in today saying they got my payment and I got another one due XX/XX/18 when I made both on XX/XX/18. This company has been a nightmare to deal with since they took over my loan. Rude reps when I call in and now this inconsistent billing stating I owe again when I do not for XXXX. I want this to be consistent and for the over billing to stop. I made my payment and feel harassed. I want this XXXX corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: IL

Complaint narrative:
A collection account that says it was opened : XX/XX/2017 - XXXX XXXX XXXX - original creditor name : XXXX XXXX XXXX XXXX {$5000.00} This account was not opened by me in XX/XX/2017. Seems as if when my social was compromised, someone must have created this account. 
This should not be on my credit report. 
This does not belong to 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 2018-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NJ

Complaint narrative:
I reviewed my credit report from XXXX in XX/XX/2018 and saw an unfamiliar collection account from ERC also known as XXXX XXXX XXXX for {$910.00}. I wrote and mailed them a certified letter dated XX/XX/2018 requesting validation of this debt ( signed contract for example ). USPS tracking confirms they received the letter on XX/XX/2018. However, as of today I am still waiting for a response from them. Instead, to add insult to injury, instead of responding to me with the requested documents, they have now added this same erroneous collection to my XXXX   credit report today, which immediately negatively impacted my score ( score dropped 17 points )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: IL

Complaint narrative:
A collection account that says it was opened : XX/XX/2017 - XX/XX/XXXX - original creditor name : XX/XX/XXXX {$5000.00} This account was not opened by me in 2017. Seems as if when my social was compromised, someone must have created this account. 
This should not be on my credit report. 
This does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: Risecredit, LLC
State: CA

Complaint narrative:
XX/XX/2018, unpermissible provisions in pulling my credit It is your responsibility to ensure your permissible purpose in accordance to the fair credit reporting act before reviewing a consumers credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have never taking out a student loan with this private lender. This account appears to be fraud and I have no knowledge of how this account appeared on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
THIS ACCOUNT WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX AND THIS ACCOUNT WAS DISCHARGE UNDER MY CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX. THIS ACCOUNT IS NOT REPORTING CORRECTLY ON MY XXXX CREDIT REPORT AND I HAVE DISPUTED THIS WITH XXXX AND CAPITAL ONE AUTO FINANCE MANY TIMES. I AM NOT ASKING THEM TO REMOVE THE ACCOUNT SINCE IT PART OF MY BANKRUPTCY SINCE IT NOT DUE TO COME OFF MY CREDIT REPORT UNTIL XXXX OF XXXX. THIS ACCOUNT NEEDS TO BE UPDATE CORRECTLY ON MY CREDIT REPORT. FOR EXAMPLE THE PAYMENT HISTORY GUIDE ON THIS ACCOUNT IS ALSO PART OF MY XXXX  XXXX BANKRUPYCY AND IT NEEDS TO BE UPDATE AS PART OF MY DISCHARGE XXXX  XXXX BANKRUPCY. THE PAYMENT HISTORY ON THIS ACCOUNT SHOULD NOT BE SHOWING ON MY XXXX CREDIT REPORT. MY LATE PAYMENT AND MY CHARGE OFF ARE PART OF MY BANKRUPTCY WHICH IS INCLUDED IN MY BANKRUPTCY AND IT NEEDS TO BE UPDATED CORRECTLY. SECOND THE TERM 72 MONTH IS ALSO INCORRECTLY IT SHOULD BE SHOWING XXXX SINCE THIS ACCOUNT IS DISCHARGE AND THAT PART OFF MY CREDIT REPORT NEEDS TO BE UPDATED CORRECTLY. CAPITAL ONE AUTO FINANCE AND XXXX ARE NOT REPORTING THIS DISCHARGE ACCOUNT CORRECTLY ON MY XXXX CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: CA

Complaint narrative:
1. REGISTER LETTER NUMBER ( S ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

( A ) SERVICED ON THE ENTITY : TRANS UNION ; XXXX XXXX XXXX XXXX XXXX  PA XXXX.

2. CERTIFICATE AND PROOF OF SERVICE ACCOUNT TRACKING NUMBER ( S ) XXXX ... XXXX   ...

( A ) ENCLOSURES : NOTICE OF RESCISSION ; AFFIDAVIT OF FORGERY ; LOAN DEBT VALIDATION REQUEST ; NOTICE TO CURE 3. REPORTING AGENCY HAS DEFAULTED ON ANSWERING THE VALIDATION DEMANDS AND THEREFORE MUST REMOVE THE MISTAKE FROM THE RECORD.

4. THIS ERROR IS AN INJURY AND TRESPASS ON THE HOLDERS CREDIT INTERESTS. WE REQUIRE A REMEDY.

5. ALL CLAIMS ARE REGISTERED, CERTIFIED, AND TENDERED TO ALL PARTIES INCLUDING FEDERAL AND STATE AND MUNICIPAL PUBLIC/COMMERCIAL EMPLOYEES -- - CORPORATE STATE OF CALIFORNIA.

4 ( A ) PLEASE SEE THE ATTACHED DOCUMENT : RETURN_RECEIPT. 6.
KNOW THAT ... THE ATTACHED CERTIFICATES AND PROOF OF SERVICE ARE EVIDENCE OF CLAIMS FILED.

7. NO PERSON/MAN/WOMAN HAS PROVEN THE LOAN AGREEMENT.

8. WE REQUIRE DISCHARGE AND DISPOSAL BECAUSE THE LOAN IN QUESTION IS CAUSING A FALSE AND INJURIOUS REPORT ON THE PERSON AND THE HOLDER 'S RIGHT IN INTERESTS.

9. UNDER PENALTY OF PERJURY ; WITHOUT PREJUDICE ; ELECTRONIC SIGNATURE BY HOLDER/OWNER OF NAME : XXXX XXXX XXXX, ALL RIGHTS RESERVED WITHOUT RECOURSE.

10. NOTICE U.S. CODE : TRUTH IN LENDING ACT -- 5.1635. Right of rescission as to certain transactions. ( a ) Disclosure of obligor 's right to rescind a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. ( b ) Return of money or property following rescission. When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission.

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 2018-05-11 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XX/XX/XXXX filed a dispute on equifax credit report. And put a fraud alert with the 3 credit reporting agencies. XX/XX/XXXX called equifax trying to get an update about my dispute. I used the name that i been using for the last 12 years. They do not want to update my name saying my recent lenders sent them that name which us not true because the other 2 reporting agencies have my correct name. Equifax have the correct info. Will not give me the status if my dispute answred all the questions correct. I filed under the name i use. They put it under the name they have not updated saying its the lender. but the lender sent correct name to the other 2 credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Data Systems
State: NC

Complaint narrative:
This creditor is reporting a negative debt against my credit report and has refused to debt it. This creditor is in violation of several consumer rights under the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information. Hence, this company is in violation of two different consumer credit rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aspen National Financial, Inc.
State: NC

Complaint narrative:
This creditor is reporting a negative debt against my credit report and has refused to debt it. This creditor is in violation of several consumer rights under the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information. Hence, this company is in violation of two different  consumer credit rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
THIS ACCOUNT WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX AND THIS ACCOUNT WAS DISCHARGE UNDER MY CHAPTER XXXX BANKRUPTCY ONXX/XX/XXXX. THIS ACCOUNT IS NOT REPORTING CORRECTLY ON MY EXPERIAN CREDIT REPORT AND I HAVE DISPUTED THIS WITH EXPERIAN AND XXXX XXXX XXXX XXXX MANY TIMES. I AM NOT ASKING THEM TO REMOVE THE ACCOUNT SINCE IT PART OF MY BANKRUPTCY SINCE IT NOT DUE TO COME OFF MY CREDIT REPORT UNTILXX/XX/XXXX. THIS ACCOUNT NEEDS TO BE UPDATE CORRECTLY ON MY CREDIT REPORT. FOR EXAMPLE THE PAYMENT HISTORY GUIDE ON THIS ACCOUNT IS ALSO PART OF MY CHAPTER XXXX BANKRUPYCY AND IT NEEDS TO BE UPDATE AS PART OF MY DISCHARGE CHAPTER XXXX BANKRUPCY. THE PAYMENT HISTORY ON THIS ACCOUNT SHOULD NOT BE SHOWING ON MY EXPERIAN CREDIT REPORT. MY LATE PAYMENT AND MY CHARGE OFF ARE PART OF MY BANKRUPTCY WHICH IS INCLUDED IN MY BANKRUPTCY AND IT NEEDS TO BE UPDATED CORRECTLY. SECOND THE TERM 72 MONTH IS ALSO INCORRECTLY IT SHOULD BE SHOWING XXXX SINCE THIS ACCOUNT IS DISCHARGE AND THAT PART OFF MY CREDIT REPORT NEEDS TO BE UPDATED CORRECTLY. XXXX XXXX XXXX XXXX  AND EXPERIAN ARE NOT REPORTING THIS DISCHARGE ACCOUNT CORRECTLY ON MY EXPERIAN 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 non-monetary relief
Consumer complaint received 2018-05-11 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My credit report is showing a collections account of {$0.00} from a SYNCB/Menswearhouse. This imformation is being incorrectly reported as the collections account has been removed from my credit report by 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 2018-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: NC

Complaint narrative:
This creditor is reporting a negative debt against my credit report and has refused to delete it. This creditor is in violation of several consumer rights under the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information. This company is in violation of two different consumer credit rights.

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 2018-05-11 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: NY

Complaint narrative:
My credit report is showing a collections account of {$0.00} from a XXXX. This imformation is being incorrectly reported as the collections account has been removed from my credit report by 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 2018-05-11 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: NY

Complaint narrative:
I received an updated credit report today XX/XX/18 from experian now they have listed XXXX XXXX XXXX XXXX twice as a charge off on my report. I am fed up as I cant get any help with experian correcting this. This account I disputed several times because it was confirmed to be removed off my report now its listed two times. Which affects my credit score in a negative way. Also XXXX  XXXX XXXX was to be deleted as well but is still appearing on my 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 2018-05-11 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: MI

Complaint narrative:
I applied for ( and was approved for ) the Citi Thank You Premier Card on XX/XX/2017. Citi was running a promotional offer of XXXX points for spending {$4000.00} within the first 3 months. I charged approximately {$4200.00} within the first month of having the card. The XXXX bonus did not post to my account though. When I contacted citi customer service I was informed that there was no bonus offered when I applied and would not be receiving the bonus unless I could fax them proof that they offered the bonus when I applied. 

I did not take a screen shot of the application, and citi never sent me a letter ( electronic or paper ) confirming the bonus, so I have no proof that I can fax them. However, I am positive they were offering the bonus at the time of application. I have multiple credit cards already and the only reason I applied for the citi card was because I had $ 4,000+ worth of expenses coming up shortly and so would be able to easily meet all of their qualifications to receive the generous sign up. The sign up bonus was literally my only reason for applying for a new card, and I am positive the bonus was offered to me when I applied. I did not realize I needed to take a screen shot of the offer in order for citi to honor it.

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 2018-05-11 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: NY

Complaint narrative:
I received an updated credit report today XX/XX/18 from XXXX now they have listed XXXX XXXX XXXX XXXX twice as a charge off on my report. I am fed up as I cant get any help with XXXX correcting this. This account I disputed several times because it was confirmed to be removed off my report now its listed two times. Which affects my credit score in a negative way. Also XXXX XXXX XXXX was to be deleted as well but is still appearing on my 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