vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I am requesting that the following account be verified or removed immediately. 
A XXXX Date Filed XX/XX/2016 Type Bankruptcy : Discharged CHXXXX Reference XXXX Plaintiff

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: CA

Complaint narrative:
On XX/XX/XXXXa was given an option to settle the account off by XX/XX/2018in the amount of XXXX by agency who collects the money for XXXX  XXXX ( XXXX outsources ) so I paid the settlement before the set date on XX/XX/2018 in the amount specified. I have Proof of the option to settle by them I have proof that I pay them, and I have an email from XXXX XXXX that I have a XXXX balance. Now their still reporting to the credit bureau that I have an open balance of XXXX  when it should say that the balance was settled in full and have a XXXX balance. I have all document that proof everything I stated.

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 2018-08-24 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: CITIBANK, N.A.
State: GA

Complaint narrative:
On or after XX/XX/2018, I contacted Citibank with a complaint regarding non-accessibility to online banking. The representative gave me a number for technical support and informed me to contact them directly. I asked her if she could enroll me in automatic payment deductions from my checking account in the amount of {$170.00} per month and the balance fall under that amount, to take whatever the balance was at that time. She took my bank account information and stated that it was set up to come out on the XXXX of every month. 

On or after XX/XX/2018, I was contacted by a collector from Citibank that was seeking a payment on my account because it was late. I informed her that I was signed up for automatic billing and that I shouldnt be late. She stated that my account was never set up and that no payment had been received. She agreed to waive the late charges and she took a payment. I asked her, if she could re-enroll me for future payments and she took the same information as the previous representative and stated that it was setup properly. 

On or after XX/XX/2018, I tried to go online and setup my online banking to no avail. I called Citibank and I was told that it wasnt restricted and that a payment was due. The rep went on to state that my account was not enrolled in automatic billing. He went on to state that he did not see it in the system that I was ever enrolled. So every month my account is being labeled as late which automatically has disqualified me for line increases. Its absolutely egregious and without merit. I am currently requesting that all late charges be abated and for the internal reporting of my account be reset to a Never Late status, so that I can qualify for a line increase. Additionally, my account is being reported as over the limit and this has caused my credit score to drop 79 points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XX/XX/2016 {$5400.00} ask the company to Delete but the debt Remained

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 2018-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AR

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I am requesting that the following account be verified or removed immediately. XXXX XXXX of Arkansas Discharge Date XX/XX/2017 Type Bankruptcy : Discharged CH-XXXX Reference XXXX Plaintiff

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: SC

Complaint narrative:
On XX/XX/2018 I purchased a {$200.00} giftcard issued by US Bank and the card is not working - it's getting declined when trying to use it. I have contacted US Bank about the issue and was told to fax the copy of the giftcard from the front and back, the receipt from the store ( XXXX XXXX ), my info ( name, phone number, address, copy of my drivers license ). I did fax everything that was requested. 

On XX/XX/2018 I have called AGAIN ( because the giftcard is not working yet XXXX and asked for information when the card will be working and received no response. I was told that they " don't know ''. 

This is absolutely not acceptable! The giftcard was paid in full more than 48 hours ago and the giftcard issuer doesn't know when I could use the card??

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 2018-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc
State: KS

Complaint narrative:
This is concerning a car accident that occured when a mechanic working on my car test drove it without my permission. I was deemed not liable due to not driving or even being present at the time of the accident. National Commercial services has been calling me with recorded messages and have recently began to send notifications by mail. I have sent them XXXX cease and desist letters via certified mail and they still contact me.The accident occured on XX/XX/XXXX of 2016.They are attempting to collect 13,000 dollars from me that I do not owe and have been deemed not liable for by my insurance company.The liable party is the mechanic who was driving the car who has not been responsive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
Reviewed my credit report and Credence Resource Management placed negative item on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Credence Resource Management should remove incorrect information off my credit report. More importantly, Credence Resource Management are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from Credence Resource Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 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: AES/PHEAA
State: IL

Complaint narrative:
In the months of XX/XX/XXXX and XX/XX/XXXX I have spent several days corresponding with XXXX XXXX    about the fraudulent accounts which appear on my credit file. They have not removed them. Although these accounts are fraudulent and I did not aurthorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC

Complaint narrative:
In 2007 my husband and I took out a loan from Beneficial for {$10000.00}. This loan was not paid in full. Beneficial charged it off. Today, XXXX XXXX MY FATHER was contacted and was told they were going to put a lien on HIS property because he co-signed on this note. HE DID NOT CO-SIGN ON THIS NOTE. My husband did. This was from XXXX XXXX XXXX. Phone # was XXXX. They have upset my XXXX year old father and have made him feel like he was going to lose his property when he didnt even co-sign on this note to start with. They evidently looked up his background and saw he had perfect credit and land.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't stop withdrawals from your bank account — 
Company: Lendmark Financial Services
State: CA

Complaint narrative:
I did a stop payment on any and all payments to Lendmark - They charged my debit card, and the bank information I was given stated that I authorized the payment over the phone.

Lendmark posed as me, and authorized the payment without my consent. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JTM Capital Management, LLC
State: NJ

Complaint narrative:
XX/XX/2018 {$530.00} have a derogatory remark on credit would like this account removed off 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 2018-08-25 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:
In the months of XXXX and XXXX of 2018 I have spent several days corresponding with XXXX XXXX about the fraudulent accounts which appear on my credit file. They have not removed them. Although these accounts are fraudulent and I did not aurthorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
On XX/XX/2018, I revived a call from Southern Finance ( XXXX XXXX   ) in XXXX, TN, stating that my lawyer spoke with them stating that Im not fully retained with my bankruptcy and they will continue to do phone calls as they see fit. They first called my place of employment, which is totally uncalled for. Secondly, they tried to get me to come in for an office visit, and thirdly, the manager there was EXTREMELY rude, balatant, and trying to threaten me into paying. Im currently in the process of paying my lawyer fees for the chapter XXXX bankruptcy, but they absolutely refuse to take no for an answer! My lawyer has stated to me to not pay them, to pay him instead. Which is what Ive been doing. The least they can do is cooperate with my wishes and stop using tactics to scare me into paying a debt that is not legally secured. Secondly, they need to stop harrassing me with phone calls and visits after Ive repeatedly told them to stop, because legally, if I tell them not to call me, theyre not supposed to. I just want this resolved and for anyone trying to better your situations, to be aware that these people are predators and will do anything to get your money and meet their quotas!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
This debt is not valid its meets FCRA requirements - I was never notified about this debt - I am not liable for this debt

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 2018-08-25 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: TN

Complaint narrative:
I have now tried THREE TIMES via direct dispute with XXXX, XXXX, and oh boy, Experian! to have the account status of a PAID COLLECTION updated CORRECTLY. For SOME REASON, when I paid it off, it was updated as " debt included in or discharged through bankruptcy chapter XXXX '' " debt included in personal recievorship. '' I HAVE NEVER EVEN FILED FOR BANKRUPTCY LET ALONE COMPLETED ONE! I've called the creditor to have this removed, they swear they never reported it! I've disputed it THREE TIMES with the credit bureau who EVERY TIME swears, the creditor confirmed the information is correct! NOW I DON'T KNOW OR EVEN CARE WHERE THE DISCONNECT IS, I WANT IT FIXED! PAID COLLECTION! HOW HARD IS IT TO CHANGE THE STATUS TO " PAID COLLECTION?! '' IF YOU CAN'T DO THAT, REMOVE IT FROM MY CREDIT REPORT ALL TOGETHER! 

XXXX XXXX is the creditor. I have NEVER had SO many problems with something SO XXXX simple!

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 2018-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Access Receivables of NC Inc.
State: ME

Complaint narrative:
On XX/XX/XXXX Access Receivables wrote to me claiming that my account with my pain doctor has been placed for collection and tells me that I can not communicate with my physician or the financial department of the medical practice. Access Receivables claims I owe {$420.00} to my pain doctor when in fact I am a Medicare and Medicaid patient and the financial department has not properly billed Medicare and Medicaid. I do not owe anything. On XXXX XXXX Access Receivables called me and advised that I was refusing to pay although I informed Access Receivables of the foregoing. I have written to Access Receivables to attempt to give them my insurance information, and I attempted to give insurance information to Access Receivables by phone, but the representative of Access Receivables refused to accept my insurance information and repeatedly demanded payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 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: OH

Complaint narrative:
I was going to buy a car and I pulled up my XXXX XXXX, Trans Union,  XXXX and XXXX credit report found XXXX XXXX #  XXXX, XXXX XXXX # XXXX, XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Fraud Student Loans that were not open by me nor did I give anyone permission to use my name to take out a loan. I found addresses that do not belong to me as well on my credit reports. 
XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, OH 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 2018-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: KY

Complaint narrative:
I called U.S. Bank ( where I have several bank accounts ) and applied for a Credit card with 0 % balance transfer for 20 months. I spoke with a teller named XXXX at the U.S. Bank in XXXX, KY. I gave her the account information for the 2 credit account balances I wanted transferred to the U.S. Bank credit card. On XX/XX/XXXX, I saw new credit card had a balance so I assumed the credit accounts I wanted paid were. I found out that U.S. Bank paid the wrong credit agency the amount that was to be paid to my Visa XXXX credit card. I called the XXXX branch and explained the sutuation. They they will have to research the issue and that I will be liable for the debt on my US Bank credit card, even though the bank paid the wrong creditor. They also said this issue can take up to 90 days to resolve. I know show I owe twice as much credit card debt then I really do. US Bank has acknowledged their error, but has not fixed 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 non-monetary relief
Consumer complaint received 2018-08-25 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: NY

Complaint narrative:
This debt is not valid it meets FCRA requirements - I have not been notified about this debt - it keeps on re appering on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: LA

Complaint narrative:
I was denied a home equity line of credit by Iberia Bank because of a false debt to income ratio. I was told that my dti was 69 %. This figure is false. My documented income is XXXX a month, and my total monthly debt payments are less than XXXX. I have made numerous requests to get an explanation of how the 69 % figure was attained. No one has given me that information. I believe the real reason for the denial is age discrimination. I am completely qualified to get this heloc. My home has no mortgage, and the requested loan amount is within the allowed loan to value. Banks should not be allowed to deny credit to qualified borrowers under false pretenses.

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 2018-08-25 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: TN

Complaint narrative:
I have now tried THREE TIMES via direct dispute with Transunion, XXXX, and oh boy, XXXX! to have the account status of a PAID COLLECTION updated CORRECTLY. For SOME REASON, when I paid it off, it was updated as " debt included in or discharged through bankruptcy chapter XXXX '' " debt included in personal recievorship. '' I HAVE NEVER EVEN FILED FOR BANKRUPTCY LET ALONE COMPLETED ONE! I've called the creditor to have this removed, they swear they never reported it! I've disputed it THREE TIMES with the credit bureau who EVERY TIME swears, the creditor confirmed the information is correct! NOW I DON'T KNOW OR EVEN CARE WHERE THE DISCONNECT IS, I WANT IT FIXED! PAID COLLECTION! HOW HARD IS IT TO CHANGE THE STATUS TO " PAID COLLECTION?! '' IF YOU CAN'T DO THAT, REMOVE IT FROM MY CREDIT REPORT ALL TOGETHER! 

XXXX XXXX is the creditor. I have NEVER had SO many problems with something SO XXXX simple!

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 2018-08-25 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have now tried THREE TIMES via direct dispute with XXXX, Equifax, and oh boy, XXXX! to have the account status of a PAID COLLECTION updated CORRECTLY. For SOME REASON, when I paid it off, it was updated as " debt included in or discharged through bankruptcy chapter XXXX '' " debt included in personal recievorship. '' I HAVE NEVER EVEN FILED FOR BANKRUPTCY LET ALONE COMPLETED ONE! I've called the creditor to have this removed, they swear they never reported it! I've disputed it THREE TIMES with the credit bureau who EVERY TIME swears, the creditor confirmed the information is correct! NOW I DON'T KNOW OR EVEN CARE WHERE THE DISCONNECT IS, I WANT IT FIXED! PAID COLLECTION! HOW HARD IS IT TO CHANGE THE STATUS TO " PAID COLLECTION?! '' IF YOU CAN'T DO THAT, REMOVE IT FROM MY CREDIT REPORT ALL TOGETHER! 

XXXX XXXX is the creditor. I have NEVER had SO many problems with something SO XXXX simple!

Company response to consumer: Closed with explanation