vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-30 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: MI

Complaint narrative:
XX/XX/2019 XX/XX/2019 XX/XX/2019 Transunion has been practicing illegal tactics against me and its effectively slowing down my well being. They are reporting a bankruptcy/public record on my credit report. They are using third party companies to report this information. Which is illegal. I have been asking for a method of verification and they will not provide me with any accuracy of information Ive asked of them. I have a letter from the the Michigan bankruptcy court stating that they DO NOT provide credit bureaus with such information or third party credit reporting agencies. My XXXX report is also saying thats theres no bankruptcy reporting. Please make them remove this bankruptcy public record and all accounts included. 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 2019-05-30 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: NC

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with TU, XXXX and XXXX. There are four trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. This is not the first time I have been in contact with these agencies about this. I am requesting that effective, immediately all four of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : $ {$7000.00} XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$5600.00} XXXX XXXX  Acct # : XXXX Opened XX/XX/XXXX. Bal of : {$14000.00} XXXX XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : {$1600.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent! 

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Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Wilber and Associates, P.C.
State: OR

Complaint narrative:
I got into a car accident in XX/XX/2018 and i ahd know insurance well i tryed working out a payment plan with the insurance company of {$45.00} a month which is what i can afford cuz im on ssi well the insurance company never called me back to set payment plan up so now they forwarded it to wilber and associates and they are saying i owe {$2400.00} when the insurance company which is XXXX insurance said i only owe {$1000.00} i been keeping all papers sent to me to show a lawyer so now wilber is saying i have to pay {$250.00} a month or they are having my license suspended again in XXXX and i cant afford that they dont work with you or anything just keep calling to make threats

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: Integrated Asset Recovery LLC
State: CA

Complaint narrative:
I can receiving colection calls all the time daily, when I do answer the calls they ask for a person how I do not know, and they do hung up on me before they give me the opportunityto request for their company to stop calling my number I am never been in collection my credit is really good however calls keep coming from this company

Company response to consumer: Untimely response
Consumer complaint received 2019-05-30 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: MI

Complaint narrative:
XX/XX/2019 XX/XX/2019 XX/XX/2019 EQUIFAX, has been practicing illegal tactics against me and its effectively slowing down my well being. They are reporting a bankruptcy/public record on my credit report. They are using third party companies to report this information. Which is illegal. I have been asking for a method of verification and they will not provide me with any accuracy of information Ive asked of them. I have a letter from the the Michigan bankruptcy court stating that they DO NOT provide credit bureaus with such information or third party credit reporting agencies. My XXXX report is also saying thats theres no bankruptcy reporting. Please make them remove this bankruptcy public record and all accounts included. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: LA

Complaint narrative:
I filed a dispute to XXXX and Experian to have a bankruptcy removed from ny reports. I filed for bankruptcy in XX/XX/XXXX and I realized that it was a mistake, so I dismissed the bankruptcy and contacted the creditors and made arrangements with them and I was able to pay off all the debts at a negotiated amount. I been trying to get the bankruptcy taken off of my experian and XXXX report for 2 years and they are refusing to take it off. Every time I ask them to remove it they come back and tell me that it's been verified as accurate and will stay on until XXXX. The last time I disputed it they sent me a letter in the mail saying that they won't keep checking the same dispute so I can stop sending in the bankruptcy dispute because they won't do anything else with that dispute. I paid off all the creditors and they still aren't willing to take it off please help me get this off so I can move forward with my life without this hanging over my head. 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 2019-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This Debt collection agency is violating the FCRA by submitting debt under my name to the major credit bureaus which is unsubstantiated and validated insufficiently. Debt validation must meet certain criteria based on the FCRA and what they provided is unlawful. 
This company is now also calling and harassing my wife, without having any valid information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I called bridgecrest costumer service representative to ask for a payment extension. This information came from their website, it is to help people when they are in need. Well the young lady that I talked to, refused to address the program at first. She was a very fast talker and persuaded me to pay something as if it was going to help with the payment extension. So I paid {$150.00} out of {$420.00}. She asked if she could schedule a payment of {$420.00}. I agreed thinking this would help prevent me from receiving a late payment. She took my debit card information and immediately tried to take the money out right then. This resulted in an insufficient fund fee. The money that was deducted for the fee then decreased the amount available for the bill that was supposed to come out. So I ended up with 2 fees for that one as well. I had to pay over {$1400.00} in repairs and I pay for rides to go to work. So pushing the payment back would have been life-saving for me. So she didnt do the plan, I received a 30 day late on My credit report dropping me 75 points. This was what I was trying to avoid. I explained this to her. But she didnt care. I called customer dispute, but she told me after pulling the call that she didnt sign me up like promised and that she wasnt able to remove the late payment. Even though I followed the protocol. I havent had one bad experience with bridgecrest despite the reviews. Their website says they strive for customer service. I just want them to live up to it. This late payment just cost me my first home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: DISCOVER BANK
State: MS

Complaint narrative:
I had to renew my home mortgage, they showed a debit with XXXX XXXX. 
This debit I did not make and has no place on my credit score. 
I believe cfpb has already addressed this account if not I have no knowledge of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30 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: NC

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with TU, XXXX and XXXX. There are four trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. This is not the first time I have been in contact with these  agencies about this. I am requesting that effective, immediately all four of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : $ {$7000.00} XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$5600.00} XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : {$14000.00} XXXX XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : {$1600.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent! 

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Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: NC

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with XXXX, EQ and XXXX. There are four trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. This is not the first time I have been in contact with these agencies about this. I am requesting that effective, immediately all four of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : $ {$7000.00} XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$5600.00} XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : {$14000.00} XXXX XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : {$1600.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent! 

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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Original creditor was XXXX XXXX XXXX ( which is still on my credit file ). That account was transferred to midland funding. I paid off the debt through midland funding over a month ago and my account was updated with a XXXX balance. Both XXXX  XXXX XXXX and midland funding still has the account payment status as derogatory and not current. Also XXXX XXXX is reporting a balance on my credit report but was included in a bankruptcy ( 9yr old account )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover claims they notified me that they were closing my card because I didn't use it enough. They didn't. They also didn't send me any kind of electronic communication stating that they would be closing my account. 

By doing so, they caused a SEVERE drop in my credit score. I have had this card for YEARS and I have never had this issue. It is a backup emergency card that I use WHEN NEEDED. 

Apparently, Discover isn't interested in my business since I'm not in credit card debt and I know how to pay my balances in full. 

They're not making any money off me so they don't want me to have an account with them. PRETTY CONVENIENT! Oh wait, no ... not convenient at all. What good is a card if it can't be used in an emergency? 

STICK WITH YOUR LOCAL CREDIT UNION AND DON'T BOTHER DOING BUSINESS WITH THIS FRAUDULENT COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: LA

Complaint narrative:
I filed a dispute to Transunion and XXXX to have a bankruptcy removed from ny reports. I filed for bankruptcy in XX/XX/XXXX and I realized that it was a mistake, so I dismissed the bankruptcy and contacted the creditors and made arrangements with them and I was able to pay off all the debts at a negotiated amount. I been trying to get the bankruptcy taken off of my XXXX and transunion report for 2 years and they are refusing to take it off. Every time I ask them to remove it they come back and tell me that it's been verified as accurate and will stay on until XX/XX/XXXX. The last time I disputed it they sent me a letter in the mail saying that they won't keep checking the same dispute so I can stop sending in the bankruptcy dispute because they won't do anything else with that dispute. I paid off all the creditors and they still aren't willing to take it off please help me get this off so I can move forward with my life without this hanging over my head. 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 2019-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: NV

Complaint narrative:
Recently as I viewed my personal file through monitoring system I noticed fruadulant account still reporting a debt of {$370.00} from CREDIT MANAGEMENT LP that does not belong to me I don't have any association with this account. This account is as a result of identity theft as it has been reported to the Federal Trade commission as identity theft. please remove this from my file and all associated accounts through all three reporting companies XXXX XXXX, XXXX, and XXXX. I have filed for identity theft and filled out a report of fraud and identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: C & M Associates Group, Inc.
State: TN

Complaint narrative:
Hello. Today I received the second of two calls from a company called XXXX, XXXX and XXXX. Also appears they operate as C & M Associates out of XXXX IL. This apparent debt collector is claiming I owe a debt from approximately 20-25 years ago. I explained to the individual on the phone that I have no knowledge of any such debt and found it very odd that through loans Ive secured over the years i.e mortgage, vehicles, etc. this record of debt never surfaced on any report from the three credit reporting agencies.I also proceeded in asking him to mail validation of this debt. Seemed like a logical request. He mentioned he already had and didnt intend to do so again. To be clear, I have no record of this letter he states he mailed. To top it off the amount hes claiming I owe is over {$9000.00}. At that point in the conversation he appeared to become aggravated and proceeded to threaten me with a lawsuit and wage garnishment asking me if I still worked at xxxxxxxxxxx. He went on to state I have plenty of available credit ( quoted that amount ) to pay what he was asking for. I explained to him that I have no intentions of paying anything without the proper supporting documentation, and at this point, it would be in my best interest to contact an attorney in hopes that we can get to the bottom of this. He hung up on me. Given what Ive learned so far and the failure for the individual to provide any form of meritorious documentation, Im suspicious this could be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED A FEW INACCURATE ITEMS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS 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 2019-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
I have been sending documents from XX/XX/2018, to XXXX XXXX  for a loan modification or workout or some kind of help so that I would not lose my home. 
We sent at least 15 packages to XXXX, before they gave the loan servicing to Loan Care. 
Before XXXX gave the servicing to Loan care they pretended that I was approved for a loan modification. I waited and then Loan care came into the picture. 
WE sent the same documents to Loan care at least another ten times and now they have sent me a denial for a loan Modification : Reason - Max amount that can be modified by XXXX/LoanCare. 

I was never notified of any max amount for my loan to be modified.

I have been sending in documents continuously to save my home. 
If there was truly a max amount and my loan could not be modified because of it why was i not notified before? 
All of the workers gathering documents never once said a reason that I received in the denial letter. 
There are some very serious issues going on with XXXXLoan Care with the servicing of my home loan.

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