vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX XXXX. via certified mail regarding a account they claim I owe in the amount of XXXX. I sent a letter to XXXX XXXX XXXX. stating : This letter is regarding account # XXXX, which you claim I owe XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. )  Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records,  and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. XXXX XXXX XXXX responded  with a letter on XX/XX/XXXX saying the debt is valid and claim to attach a verification of the debt. They attached a XXXX bill to the letter with no signature or any evidence that it was me that made the debt. I have no legal obligation to XXXX XXXX XXXX. and I never created a account with them or the original creditor XXXX. On XX/XX/XXXX I sent another letter to XXXX XXXX XXXX XXXX XXXX I received the same response as the first letter they sent 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 2018-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I had 9 accounts that were negative and became late in early to XX/XX/XXXX2011. As they became 7 years old for the first delinquency, they began to be removed from my file. Now I have 3 that are now over 7 years old but they continue to keep them on my file.

One agency debates that 7 years from the first delinquency is even the standard event though they normally do so as policy internally. These agencies do not even report the credit detail for 7 years but cut off a few months before 7 years. It appears they do not take seriously that people like me are patiently waiting to get our credit scores up and just don't care. I have reports that Transunion sent to me showing accounts delinquent in the history, and then 2 months later, when I update the report, those details are removed and they only reports 6 years and 10 months of history. It is as if they intentionally want to keep the file on the report. XXXX has a line on their front page summary of the report with a line stating " date of first delinquency '', however, they rarely have an entry in that line. All 3 agencies, Transunion, XXXX and XXXX, focus on negative information but not on insuring that they remove the accounts as prescribed by the Fair Credit Reporting Act. They have no accountability and I personally have been waiting 7 years to refinance my home, and now am having to try to get them to report accurately. They can have very detrimental affect on people and just don't care. I have even had documents with detailed annual payment info from a mortgage company who clearly said it should not be reported at this date, yet the dispute comes back saying it is reported accurately. I hope you can get this corrected. In my opinion, if the " date of first delinquency line '' is not filed, the reporting is inaccurate and should be removed. I am paying much higher interest rates than I should be due to bad reporting from the agencies. I am sure I am not the only person dealing with this but most people don't know how to appeal or even who to appeal to. 
We all thank you if you can affect change.

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 2018-06-10 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: TX

Complaint narrative:
Please remove inquiry from XXXX on my credit report. I have attached a letter from 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 non-monetary relief
Consumer complaint received 2018-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
XXXX has illegally frozen ALL of my accounts as RETALIATION because I previously filed a complaint ( they illegally obtained the number of my elderly mother and told her she had to pay my debt or she would go to jail! ) I responded by calling XXXX and explaining to them that I am XXXX years old and Ipay my own debts. I respectfully requested that ALL employees of XXXX only contact me at the phone numbers I provided. I also demanded that they refrain from looking up the names and numbers of my relatives and threatening them by demanding they are obligated to pay my debt. I is notable that I have lived in my home and had the same number for over 20 years so XXXX would have NO problem finding and contacting me! XXXX is using illegal tactics to collect debts including but not limited to targeting and threatening the elderly. In short, there is NO legal basis for XXXX to freeze ALL of my accounts much less demand the ability to collect my debt from my family as a condition for providing me with credit. XXXX is also lying by stating that I denied them permission to contact me. I have always openly provided my own phone numbers and address as points of contact. However, I did demand that XXXX refrain from illegally contacting my parents, relatives, friends and employer to demand payment of my debt. The illegal actions of XXXX collection agents must be stopped! In addition, XXXX should be audited and fined for intentionally retaliating against me ( and probably others ) by freezing credit on existing installment payments when all I did was report their illegal and predatory collection activities. The fact that XXXX keeps getting away with this outrageous, intentional and illegal behavior is not just ridiculous .. it is obscene!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-10 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: TX

Complaint narrative:
Please remove inquiry from XXXX on my credit report. I have attached a letter from 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 2018-06-10 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: TX

Complaint narrative:
Please remove inquiry from XXXX on my credit report. I have attached a letter from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
I received American Education Services private loan information from my credit union back in XX/XX/XXXX. This entire time I believed American Education Services was my loan originator. I sent them a letter in XX/XX/XXXX to settle the current debt owed which is {$24000.00}. I have two separate loans that are on one account and I make one payment of {$270.00} each month. My offer was to settle the balance with a one time payment of {$18000.00} and for it to be charged off the account and set as paid in full with no penalty. I called American Education Services later in the month to see if they'd received the letter and they said yes. I asked when would a decision be made. The representative did not have answer because it was sent to the loan originator. I was told that XXXX was the loan originator. I asked the representative what XXXX stood for and she could not tell me. She also mentioned that I am on a variable month to month interest rate. This month ( XX/XX/XXXX ) my rates are 7.61 % and 7.36 I XXXX XXXX   and found it is XXXX XXXX XXXX. I tried to locate contact information for the company and could not. I called American Education Services one week later to obtain XXXX 's contact information and was informed that I was not allowed to have the loan originators information. I am requesting assistance with settling my debt through this loan originator. I have been paying on this loan since XX/XX/XXXX. Thanks in advance for your advice and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MIDCOUNTRY FINANCIAL CORP
State: FL

Complaint narrative:
XXXX XXXX at website XXXX XXXX XXXXXXXX gave me a loan that I paid off completely account # XXXX. After I paid off the loan I received a congratulations message 2 times from the company and they offered me 2 times more money and a new loan amount. I accepted the new loan and began sending in payments before the due date of XX/XX/XXXX for the new loan. I payed the 1st payment of XXXX in XX/XX/XXXX and suddenly they began sending messages that I owed them a payment and a late fee of XXXX by email all of a sudden. I showed them every email that stated XX/XX/XXXX was the payment due date for the 1st payment although I payed XXXX in advance of that date. I forwarded all the emails ever sent to me about all the dates and payments and receipts of payments to the consumer advocate on their website as well as XXXX to prove that I knew what I was talking about and that they are messy with their books. They reccommended that I call some number and speak with someone who claimed they waived the fee but she never admitted to the mistake. I told her I would email proof and go even further as to file a suit if necessary for them trying to mess with my credit score by denying me due process. She reassured me by phone but not by email which I found to be very suspicous because they add on fees which they magically construe without explanation and then lie about it until you prove that they can be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 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: MO

Complaint narrative:
I been a victim of fraud / the Equifax breach, etc ... I recently disputed these items but as of today the problem still exists. I'm holding the credit reporting agencies accountable because they are the ones reporting frivolous information without providing or being provided with physical verification as promised by the FCRA. If not corrected this time I will be forced to start a law suit against all 3 agencies. Hopefully this could be resolved from here. The following accounts being disputed are ... ( # 1 ) XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX ), ( # 2 ) XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I'm.going thru hardship on my bills. My mom passed away few months ago. Was her caregiver good son. Im.hoping too get this months payment waived. I've always been on time. Just need a break. Going thru alot. Not easy

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 2018-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I had 9 accounts that were negative and became late in early to XX/XX/2011. As they became 7 years old for the first delinquency, they began to be removed from my file. Now I have 3 that are now over 7 years old but they continue to keep them on my file. 
One agency debates that 7 years from the first delinquency is even the standard event though they normally do so as policy internally. These agencies do not even report the credit detail for 7 years but cut off a few months before 7 years. It appears they do not take seriously that people like me are patiently waiting to get our credit scores up and just don't care. I have reports that  XXXX sent to me showing accounts delinquent in the history, and then 2 months later, when I update the report, those details are removed and they only reports 6 years and 10 months of history. It is as if they intentionally want to keep the file on the report. Equifax has a line on their front page summary of the report with a line stating " date of first delinquency '', however, they rarely have an entry in that line. All 3 agencies, XXXX, Equifax and XXXX, focus on negative information but not on insuring that they remove the accounts as prescribed by the Fair Credit Reporting Act. They have no accountability and I personally have been waiting 7 years to refinance my home, and now am having to try to get them to report accurately. They can have very detrimental affect on people and just don't care. I have even had documents with detailed annual payment info from a mortgage company who clearly said it should not be reported at this date, yet the dispute comes back saying it is reported accurately. I hope you can get this corrected. In my opinion, if the " date of first delinquency line '' is not filed, the reporting is inaccurate and should be removed. I am paying much higher interest rates than I should be due to bad reporting from the agencies. I am sure I am not the only person dealing with this but most people don't know how to appeal or even who to appeal to. 
We all thank you if you can affect change.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 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: SC

Complaint narrative:
Transunion Confirmation # XXXX Filed a dispute with Transunion about inaccurate and non verified information on my credit report. I also disputed this information with the creditors, whom were unable to verify or validate this information. I am not sure how transunion was able to, if the furnisher could not. I am filing this complaint with transunion because they've ignored my request to provide me with the documents that their company has on file that was used to verify accounts that i disputed. Being that the accounts can not be verified, under section 611 ( 5 ) ( A ) of the FCRA, they are required to promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. Thanks

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 2018-06-10 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: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
Since Credit Acceptance Corporation ( CAC ) has not enabled a change in my credit report to allow for my mortgage to go thru, my best bet is to file a Chapter XXXX Bankruptcy to clear the course of action in returns to my report which will allow for a twelve month period of no lates or dings in order to go forward in our mortgage attempt. In addition, a company such as CAC has an option to move the payments which became late to the end of the contract instead of increasing the payment from {$470.00} to {$520.00}. This ploy affects my personal budget. My Bankruptcy attorney is XXXX XXXX and he will also serve as attorney for my daughter XXXX XXXX in her Chapter XXXX filing, she as owner of the XXXX XXXX XXXXXXXX XXXX, and me as her co-signer..

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 2018-06-10 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: MO

Complaint narrative:
I been a victim of fraud / the XXXX breach, etc ... I recently disputed these items but as of today the problem still exists. I'm holding the credit reporting agencies accountable because they are the ones reporting frivolous information without providing or being provided with physical verification as promised by the FCRA. If not corrected this time I will be forced to start a law suit against all 3 agencies. Hopefully this could be resolved from here. The following accounts being disputed are ... ( # 1 ) XXXX XXXX XXXXXXXX ( XX/XX/XXXX ), ( # 2 ) XXXX ( XX/XX/XXXX ), ( 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 non-monetary relief
Consumer complaint received 2018-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I went to Chase Bank to open a military account and they copied my veterans id card and my drivers license. They assured me it was normal protocol. It was not after doing my research.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 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:
Dear Sir, Equifax did not fix my issue According to my previous communications with Equifax, Its mentioned that my name, address, social and various identification details were verified as being accurately verified, also Equifax acknowledged various letters to me and various consumer protection bureau response to me. Equifax did not address or fix my previous complaint where as XXXX credit card and loans information missing in the credit report since XX/XX/XXXX. I also ran Equifax credit report dated XX/XX/XXXX and I did not find missing XXXX credit card and missing XXXX Auto loans, which have been paid off and also attached XXXX closing Auto Loans to my previous consumer financial bureau complaints. I have no idea, what kind of fraudulent investigation has been done by Equifax and there was no evidence and no investigation report attached to my consumer finance bureau response, no transparency at all. XXXX also sent official letter that they correctly reported all my closed XXXX loans and Credit Card information to Equifax. Could you kindly direct my complaint to Respectable Federal Officer against Equifax, their fraudulent investigation, no evidence attached to my previous complaint response, also no explanation why closed XXXX credit and auto loans removed from the credit report. Could you direct Equifax to add my closed XXXX credit and Auto loans in the credit report, which needs to be part of the credit report for at least 7 years and removing Auto Loans from credit report is a fraud and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 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: FL

Complaint narrative:
Equifax continues to report erroneous information on my credit report. I have tried to submit a dispute online to no avail. They claim the information i submit to confirm my identity is incorrect. This is just a scam to continue to allow fraudulent information on my credit report, which is against the law. I should be able to submit my dispute online however, they are illegally not allowing me to do so. The following accounts to do not belong to me and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation