vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-11 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: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
I filed for bankruptcy on XX/XX/2018. Prior to this filing Collectech Diversified never reported a collection account on my credit report. It wasn't until XX/XX/2018, that they reported this account to the credit reporting companies. My bankruptcy was discharged in XX/XX/2018. Since discharge, I have contacted Collectech Diversified, XXXX XXXX XXXX XXXX  ( the original creditor ) XXXX, XXXX and XXXX  numerous times and asked them to update their records or remove the account from my report because they are reporting inaccurate information. They continue to report this account as an open active collection account as well as negative payment information for XXXX, XXXX, XXXX and, XXXX negativity affecting my credit. I was recently denied credit by XXXX XXXX XXXX due to their false reporting, when I received the adverse action notice it listed an " Open/Active Collection Reported on Your Credit Report '' as the reason for denial. The most recent time that I contacted XXXX XXXX XXXX XXXX  and asked that they force Collectech Diversified to update this account the representative called XXXX with Collectech while I was on the phone and he again proceeded to tell the XXXX XXXX XXXX rep that they have updated it and they can't help how the credit bureaus report it. They claim that they were never notified but I have attached all of my bankruptcy information that will prove otherwise that the creditor XXXX XXXX XXXX was infact notified. If this company cant report complete accurate information they shouldnt be able to report it at all.

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 2018-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: TN

Complaint narrative:
Never received billing or other info regarding ownership status. Began to receive phone calls from a collection company XX/XX/2017. Company did not seem legal as they did not give me any written notice or other info regarding debt, required by law. Checked credit report found I had been placed in collection, without written notice of that happening. My rights have I feel been violated by unlawful business practicus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I have credit inquiries that i didn't authorize.

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 2018-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NV

Complaint narrative:
XXXX XXXX XXXX has drafted {$2600.00} of payments above my minimum mortgage payment amount. I have asked they return the money immediately, but they have yet to return any money. My last correspondence with them was XX/XX/2018, yet no reimbursement has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and XXXX XXXX with no successful resolution. XXXX, XXXX   and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have a loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
I sent United Revenue Corp a certified letter requesting they correct and verify 5 accounts they are reporting to XXXX credit bureau. First these accounts are duplicates and they are two accounts that are reporting as 5 separate accounts. Second, I requested they verify all information on accounts as the balance, the date of first delinquency, date closed, and date opened didn't match my records. Per the Texas Finance Code 392 they were to correct or delete from my credit reports. As of today they have done neither and continue to report incorrectly effecting my ability to get financing. Per my attorney all communication needs to be made via email or certified mail. On XX/XX/2018, United Revenue Corp sent me a generic letter with no information at all. I have forwarded to my attorney. I am requesting they delete all 5 accounts immediately from my credit reports. United Revenue Corp XXXX {$940.00} United Revenue Corp XXXX {$940.00} United Revenue Corp XXXX {$1200.00} United Revenue Corp XXXX {$1200.00} United Revenue Corp XXXX {$1200.00} Additionally on XX/XX/2018 I filed a XXXX compliant in attempts to received a resolution and United Revenue Corp failed to respond.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XXXX XXXX Did 2 Hard inquires on my account, on the dates XX/XX/XXXX and XX/XX/XXXX I did not authorize as I do not even know what XXXX XXXX  is. XXXX used a hard inquiry on me in XX/XX/XXXX for XXXX credit before I even began using credit Or attempting to on the dates XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX has re-aged an old debt, which is illegal according to FRCA. I disputed the information was disputed with the credit bureaus and the information came back as verified. I have disputed the information several times over the last ( 2 ) yrs and it still has not been addressed.

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 2018-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has re-aged an old debt, which is illegal according to FRCA. I disputed the information was disputed with the credit bureaus and the information came back as verified. I have disputed the information several times over the last ( 2 ) yrs and it still has not been addressed.

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 2018-08-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has re-aged an old debt, which is illegal according to FRCA. I disputed the information was disputed with the credit bureaus and the information came back as verified. I have disputed the information several times over the last ( 2 ) yrs and it still has not been addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX has re-aged an old debt, which is illegal according to FRCA. I disputed the information was disputed with the credit bureaus and the information came back as verified. I have disputed the information several times over the last ( 2 ) yrs and it still has not been addressed. I also received any information from XXXX or XXXX XXXX regarding outstanding debt I just saw it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Walter Lee & Associates, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX my friend called me upset because a lawyer called her saying they were sending deputies to her place of business to serve me with papers for a lawsuit. She informed them that I did not work there and was not there but the woman continued to be mean and told her to give me a message which was her phone number and a case number. 

I called the number to Walter Lee & Associates and was told by XXXX that it was regarding a credit card from XXXX. The woman claimed the card had a {$500.00} limit and I owed the bank {$700.00}. She went on to say I was being sued for over {$4000.00} ( she said the extra {$3000.00} was for court fees ) and a wage garnishment would be starting. I told her I had no idea what this debt was and asked why hadn't I been contacted before. I also asked why they called my friend 's store looking for me. I have lived at the same address for seven years and have received no mail whatsoever regarding this matter. I've had the same cell phone number for 15 years. The woman claimed the business was listed as my employer at the XXXX XXXX XXXX 's office. After hanging up I contacted the clerks office and was told they don't have that type of information. 

After going back and forth about me having no idea what this debt is about, I was told to ask for a chain of title from the bank that issued the card. I called Matrix the bank and was told they didn't have any information before XX/XX/XXXX and was told to contact XXXX XXXX XXXX where I was told to contact XXXX XXXX XXXX where no one answers the phone. I have left several messages. The recording says someone will contact you within 24 to 48 hours but its almost two weeks since my first call. 

I just want proof of this debt and I want this lawyer 's office to stop calling my friend. I also find it odd that this debt isn't on my credit report and just surfaced out of nowhere. XXXX has very bad ratings online and I can see why.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
In late XX/XX/XXXX, i went to XXXX to cash a money order in the amount of {$200.00} USD  from a friend in XXXX that was issued by XXXX XXXX. XXXX waits one month later and lies to me by telling me that XXXX XXXX money orders were no good in the USA and are now trying to extort {$230.00} from me. I contacted their corporate office and they were rude and vulgar towards me, despite me giving them the number to XXXX XXXX and for XXXX to contact them directly. XXXX persistently calls me up every day despite me telling them to quit calling me and to work with XXXX XXXX. I blocked their number on my phone and they use another number to call me and continue their harassment. I'm now at the point of having my number changed. They already charged me {$20.00} to cash a {$200.00} money order, whereas I received {$180.00}. Now, they want me to pay them {$230.00}. There's no excuse for them to wait one month and now contact me when they could talk directly to XXXX XXXX as they had 45 days to cash it before it becomes invalid. When they cashed the money order, they called XXXX XXXX, verified the money order and even received an authorization number, proving that it's good and valid. Now, a month later, they're harassing me with phone calls and trying to extort money out of me that I don't have as I have no income due to fighting with XXXX XXXX and trying to get my temporary total XXXX payments reinstated. My friend sent that money order to help me with paying rent and utilities. Please help put an end to this harassment, even if that means filing a lawsuit against XXXX? Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
XXXX XXXX  called me at XXXX for my deceased mother 's debt. She has never been listed as being on my phone line ( a personal cell phone ). I told them it was XXXX XXXX   and illegal to call, and that she was deceased. They claimed that their information stated that it was XXXX where she was located. She lived in this time zone for 9 years, and my cell phone has never been listed as being in a different time zone. They demanded a death certificate. I refused to talk to them further and told them I was reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-11 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: TN

Complaint narrative:
Equifax is incorrectly reporting my credit history. My equifax credit report shows someone else in my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
This is directed at XXXX XXXX, Senior Resolution Specialist for Nelnet Student Loan Servicer. This complaint is in reference to the Fair Credit Reporting Act on what was reported to XXXX which was actually reported but the reported amount was {$47.00} not the {$50.00} I paid on XX/XX/18. Please go to my history that shows how much was paid. Now as to XXXX  and XXXX after all my phone calls because you wouldn't believe that your company didn't report my payment to these credit bureaus. As of XX/XX/18 XXXX and XXXX  were finally able to verify to me that Nelnet finally fixed my issue. But now there's another problem. On all three of my credit bureau reports, one of your employees reported I paid {$47.00} not the {$50.00}. Where's my {$3.00} and why would an employee report {$47.00} and not the {$50.00} I paid? Did Nelnet think I would't find out? Now I have to wonder about the accuracy of your  Website on the Principal and Interest. Now I have to contact the Department of Education for a third time because of the incompetence of your company. On my account, it is still showing that payments are being processed that went through my checking account days ago. The two separate payments that I made on the morning of XX/XX/18 are not showing up under the payment history. These payments were made way before your cut off time.I want this taken care of immediately {$50.00} reported to all three credit bureaus. I can't wait till Nelnet reports my payments in XX/XX/2018, it ought to be interesting. You as a loan servicer, especially for the Department of Education, should have people competent enough to input the right amount somebody has paid on their student loan for the month. Your screwing with my credit reports and I won't put up with it. Because of Nelnet 's constant mistakes and a Senior Resolution Specialist won't believe what your telling him and won't even check into the issue, I have had to put the credit bureaus into my contacts on my phone and the Department of Education because of Nelnet. You as a Senior Resolution Specialist did not do your job. I don't care if you are upset with me or don't like what I've said about Nelnet because it's true. It's not my problem, it's yours! On Monday XX/XX/18, I will be checking with all the credit bureaus to make sure the amount has changed. The scary thing is that this probably happens everyday to people who pay their loans. I'm sure we'll have further written communication in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
On XX/XX/2018, XXXX XXXX XXXX  gave a potential creditor information that adversely affected my ability to obtain credit. The reason stated on the letter from the lender specifically noted " distance between address and area code of phone number '' to name one. I made a call to the agency, got a recording, left a message, received an automated call back to go to the web site and follow the instruction and mail in my request. The information they are requiring me to send is the very information we are advised never to send anyone. A copy of my DL, a copy of my SS card, DOB along with general address, phone etc. Then they further add they need a copy of one of  these : utility bill, lease agreement, bank statement, voided check or mortgage document. Anyone could have a field day with that information, how ridiculous. 

This it totally unacceptable, I wouldn't send that information to anyone via mail or internet. I want the information they supplied the creditor, it is apparently inadequate, erroneous and certainly outdated. 

I also wanted to freeze my report as I have with other companies, but in order to do so you need to send the aforementioned information. 

This company is giving information that affects peoples, they need to be sure their information is accurate and customer oriented.

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 2018-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: TX

Complaint narrative:
I contacted my bank after I was unable to resolve the billing error with the XXXX XXXX. XXXX XXXX stole XXXX from my card ending in XXXX. I canceled my renewal membership but still to the payment in XX/XX/18. Which was whole day before my renewal date of XX/XX/18 It was also hard to reach someone at XXXX XXXX so I contacted my bank whom I thought would protect my money. I sent an email with no response from the XXXX XXXX. On the recording message about billing issue it says once a payment is process it will not be refunded. So basically I cancel my membership in time but since they took the payment early I can't get a refund. When I disputed the charge with my bank on XX/XX/2018. They said XXXX credit will be issued on the dispute.

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