vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax dropped my entire credit card history ( >25 years ) from my credit report early XX/XX/2020, resulting in a significantly reduced credit score ( Other agencies did not have this issue, my credit score with those agencies remained consistently at the excellent credit score level ). As a result of this error one of my credit card was canceled, because Equifax notified the credit card company. To date Equifax has not provided an explanation about what happened, they did however finally restore my credit history. Given we have been impacted by the Equifax data breach I continue to be very concerned about the cybersecurity and data integrity of Equifax. I am not sure what options I have to compel Equifax to provide an explanation. I would encourage you to provide greater oversight of Equifax, as they dont appear to have learned from the data breach. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: GA

Complaint narrative:
I have advised Equifax on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX. I have never paid the XXXX XXXX   account late, I have never paid the XXXXXXXX XXXX account late, I have never paid the XXXX   account late. Equifax has yet to prove how they received this inaccurate information, and have not corrected the information following my proof that the information is inaccurate. Please help me get this matte resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
XX/XX/20 I applied for a personal line of credit from TD Bank XXXX XXXX XXXX, XXXX, Ma for $ XXXX. I have a $ XXXX personal line of credit which is paid off and I was going to close. I called XXXX at the branch on XX/XX/20 and he said my application was denied without a reason. I called XXXX at the Loan department and she gave the following reasons : 1. The Term was not requested ; 2. Insufficient Credit ( that I dont have previous unsecured loan ) ; 3. Have product already. 1. I explained to XXXX that the new employee taking my application did not ask me for a Term and XXXX said that I did not need a term for a PLOC ; 2.  I explained that I have relationship with the TD with a $ XXXX PLOC and that 3. I was planning on closing the $ XXXX PLOC. I asked what my credit score was and she said she could not see it but when I called XXXX back he said it was XXXX. XX/XX/20, I received the denial letter from TD and it states the following reason No Credit File/History and your credit score : XXXX. My current credit scores are : XXXX : XXXX ; XXXX : XXXX and XXXX  : XXXX. I do not understand and I feel that I am being discriminated against and I will be filing a discriminating claim with MCAD and Massachusetts Attorney Generals Office. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brock & Scott, PLLC
State: FL

Complaint narrative:
Considering the current economic situation, I would assume Brock & Scott ( Collection agent for XXXX XXXX ) would want to Settle my debt ( which they have a judgment for ) as most consumers are experiencing significant financial hardship. This law firm fails to issue a written decline in a timely manner, but rather communicates verbally months later after numerous follow ups to avoid a paper trail. They take an excessive time to respond to requests, which is harmful to consumers who wish to clear up credit. They are fairly disorganized and state inaccurate facts, such as pursuing collection on unenforceable wage garnishment. I dont feel this creditor is being fair and forthcoming in their dealings, but rather discrimatory and predatory, since they feel they believe they can collect via wage garnishment of {$900.00} per biweekly pay period. 

XXXX-Brock and Scott submitted a wage garnishment to my employer to begin deducting 25 % of my disposable earnings, beginning with the XX/XX/XXXX payday. 

XXXX-I submitted a Florida head of household exemption, which invalidates this creditors request to garnish wages. 

XXXX-Attorney reaches out to Brock and Scott to offer a settlement. 

XXXX-I called Brock and Scott and they didnt want to speak to me, as I have attorney representation XXXX- 2 months later- Brock and Scott declined offer of {$3000.00} & received a counter of {$9600.00} XXXX-I drafted a hardship letter and submitted to Brock and Scott XXXX-3 months later-Brock and Scott declined settlement of $ XXXX.They stated they have a garnishment order, therefore they are declining to settle for less than the Full amount owed. This is contradictory to their offer to settle for {$9600.00} on XX/XX/XXXX, which is harmful to a consumer, by asking for a higher amount than previously agreed to settle for less than full. 

XXXX- My attorney submits a settlement of {$5000.00}. 

XXXX-I received a call from Brock and Scott, which I missed. I called back and they advised they cant speak to me. I advised that my lawyer has been trying to get ahold of them for months to settle, and no one responds back to them. 

6 months later-Brock and Scott declined the offer, but did not provide a rejection letter or any type of counter offer. They advised that the client ( XXXX XXXX ) elected to continue to proceed with the wage garnishment. This makes NO sense and is inaccurate, as a Florida head of household exemption was submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I applied and received two credit cards from Orchard Bank ( Now Capital One ) on XX/XX/XXXX. I then choose to close the credit card account on XX/XX/XXXX of XXXX which I have documentation of this. My last payment that there showing is XXXX of XXXX. XXXX XXXX XXXX apparently purchased the debt that was owed on XX/XX/XXXX XXXX. My understanding of the Statue of limitations would had this debt Time barred by this point. I disputed this through all three credit reporting agencies with no success. XXXX XXXX XXXX is still reporting this Debt and is damaging my credit. I need to have this resolved as I have tried repeatedly. I would greatly appreciate your help. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: IL

Complaint narrative:
Upon viewing my credit report today. XXXX a collection agency is reappearing after account was removed from my credit report due to unverifiable information, previously. As of today, XX/XX/2020, the account has reappeared. I have disputed with the credit bureau again today. This has and is hurting my credit, if this continues to happen.

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 2020-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Considering the current economic situation, I would assume XXXX XXXX XXXX ( Collection agent for Wells Fargo ) would want to Settle my debt ( which they have a judgment for ) as most consumers are experiencing significant financial hardship. This law firm fails to issue a written decline in a timely manner, but rather communicates verbally months later after numerous follow ups to avoid a paper trail. They take an excessive time to respond to requests, which is harmful to consumers who wish to clear up credit. They are fairly disorganized and state inaccurate facts, such as pursuing collection on  unenforceable wage garnishment. I dont feel this creditor is being fair and forthcoming in their dealings, but rather discrimatory and predatory, since they feel they believe they can collect via wage garnishment of {$900.00} per biweekly pay period. 

XX/XX/XXXX-XX/XX/XXXXXXXX submitted a wage garnishment to my employer to begin deducting 25 % of my disposable earnings, beginning with the XX/XX/XXXX payday. 

XXXX-I submitted a Florida head of household exemption, which invalidates this creditors request to garnish wages. 

XXXX-Attorney reaches out toXX/XX/XXXXXXXX to offer a settlement. 

XX/XX/XXXX-I calledXX/XX/XXXXXXXX and they didnt want to speak to me, as I have attorney representation XXXX 2 months later- XXXX XXXX XXXX declined offer of {$3000.00} & received a counter of {$9600.00} XXXXI drafted a hardship letter and submitted to XXXXXXXX XXXX XXXXXXXX XXXX-3 months later-XXXX XXXX XXXX  declined settlement of $ XXXX.They stated they have a garnishment order, therefore they are declining to settle for less than the Full amount owed. This is contradictory to their offer to settle for {$9600.00} on XX/XX/XXXX, which is harmful to a consumer, by asking for a higher amount than previously agreed to settle for less than full. 

XXXX My attorney submits a settlement of {$5000.00}. 

XXXX-I received a call from XXXXXXXX XXXX XXXXXXXX, which I missed. I called back and they advised they cant speak to me. I advised that my lawyer has been trying to get ahold of them for months to settle, and no one responds back to them. 

6 months later-XXXX XXXX XXXXXXXX declined the offer, but did not provide a rejection letter or any type of counter offer. They advised that the client ( Wells Fargo ) elected to continue to proceed with the wage garnishment. This makes NO sense and is inaccurate, as a Florida head of household exemption was submitted.

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 2020-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was unaware of this debt and did not have the opportunity to dispute it. Never received and notification of debt. Please remove ASAP and I'm not familiar with these accounts : XXXX XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX # XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: Convergent Resources, Inc.
State: TN

Complaint narrative:
On XX/XX/2020, Convergent Outsourcing Inc ( COI ) added an account of {$770.00} to my XXXX   and XXXX reports from the original creditor XXXX. This is an old account that has been disputed, deleted, and now reinserted back onto my reports this year. Based on FCRA, its unlawful for them to add old accounts back without any notification within 5 days and i received no notification. I have disputed this account again with the creditor and the credit reporting agencies to validate this information and no response have been provided. Due to that fact, this negative information can not be reported back onto my reports and need to be removed based on reinsertion rules in the FCRA.

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 2020-08-16 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: FL

Complaint narrative:
XXXX and Equifax are still reporting inquiries Ive disputed. They recently removed some but failed to remove one from XXXX XXXX on my XXXX  report and XXXX XXXXXXXX XXXX  XXXX and XXXX from Equifax. 

Also Equifax is showing a new collection account from XXXX that I have no knowledge of. 

Equifax is also reporting my balances on specific accounts incorrectly with XXXX XXXX, XXXXXXXX XXXX   XXXX XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX. These accounts have not had balance increases and should reflect balance decreases as they do with the other credit bureaus such as XXXX and XXXX. Equifax continuously reports late information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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:
This is outrageous I just recieved a letter an i will attach all my proof that XXXX is refusing to correct my credit report stating that I need to submit my documenation as in proof WHEN I DID VIA REGISTERED MAIL WHICH THEY SIGNED FOR ON XX/XX/XXXX I HAVE THE RETURN CARD AS PROOF THIS IS ILLEGAL AN I WANT IT FIXED AN I WANT THIS DONE NOW!!! THIS IS A FEDERAL VIOLATION A DIRECT FEDERAL VIOLATION AN I AM GO TO SUE. IM SICK AN TIRED OF THESE GAMES

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 2020-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: WA

Complaint narrative:
I had an account with XXXX in which the amount was forgiven and the account was closed. Several years later received a phone call ( 2016 ) that Deville Asset Management bought XXXX and was now reopening my account and requesting funds. On four separate occasions I have spoken with this company on the phone and have requested an itemized breakdown of the account. I was told in XXXX that they would not provide an itemized breakdown because they already sent it and would not provide it in writing. Instead they tried to get me to log into a third party website in order to view my bill which was suspicious. The person I spoke with would not provide me any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: CA

Complaint narrative:
This is outrageous I just recieved a letter an i will attach all my proof that experian is refusing to correct my credit report stating that I need to submit my documenation as in proof WHEN I DID VIA REGISTERED MAIL WHICH THEY SIGNED FOR ON XX/XX/XXXX I HAVE THE RETURN CARD AS PROOF THIS IS ILLEGAL AN I WANT IT FIXED AN I WANT THIS DONE NOW!!! THIS IS A FEDERAL VIOLATION A DIRECT FEDERAL VIOLATION AN I AM GO TO SUE. IM SICK AN TIRED OF THESE GAMES

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 2020-08-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Upon viewing my credit report today. XXXX a collection agency is reappearing after account was removed from my credit report due to unverifiable information, previously. As of today, XX/XX/2020, the account has reappeared. I have disputed with the credit bureau again today. This has and is hurting my credit, if this continues to happen.

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 2020-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Received notice today via XXXX XXXX that XXXX XXXX XXXX are showing on my credit report and shouldnt be. I do not recognize this account and dont have this account and is affecting my credit report. Per fair credit reporting agency, please remove inacc, invalid, or unverifiable information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
They constantly call and contact me repeatedly on Sunday before the allowed times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-16 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: CITIBANK, N.A.
State: LA

Complaint narrative:
Dear Consumer Relations : The reason I am filing this complaint with your agency is due to CITIBANK N.A reporting the wrong open date as being XX/XX/XXXX re-age debt. The correct opening date should reflect XX/XX/XXXX, according to my contract which is attached to this complaint. 

Secondly, the account was sold to a collection agency XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, with a balance due {$6900.00}. Citibank has done nothing but inflated its balance in an attempt to collect more than what is due. This practice is fraudulent. Once the account is charged-off and sent to an outside collection agency, all charges shall cease by the original creditor. It is my sincere prayer that your agency lodge complaint into the issue stated. 

Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: TN

Complaint narrative:
Since XX/XX/2016, this account of {$1200.00} has been on my XXXX  and Equifax credit reports from XXXX XXXX XXXX XXXXXXXX XXXX. I have been disputing and asking validation for several years to both the creditor and both agencies. So finally this past XX/XX/XXXX XXXX deleted the collection account based on my disputing this incorrect negative information plus Hippaa laws but Equifax didn't remove claiming it been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2020, i filed a complaint with CFPB regarding Transunion getting free reports online or accessing report online.That complaint number is XXXX.Transunion responded with CFPB on XX/XX/2020.On XX/XX/2020 vial mail, I recieved a transunion credit report including credit score.After reading the report, I did see a trade line i wanted to dispute via online with transunion ( XXXX : XXXX ) .I tried to dispute online but recieved message that " online dispute is not available at this time '' .I have recieved this message many times in the past.Also, I still cant log on to see my report as well.I have called transunion to fix this issue and filed complaints many times.Nothing works to resolve this issue.Please fix this issue

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 2020-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a Macy 's credit card that has been charged without my concern since XXXX of XXXX until XX/XX/XXXX, when I found out from my account statement that a credit protection agency has been charging my Macy 's credit card for almost 13 years. The amount charged on my were mostly between {$44.00}, {$48.00} or {$43.00} for 13 years. On XX/XX/XXXX when I discovered the changes that has been imposed on my Macy 's credit card account, I called Macy 's to inquired why these charges were on my billing statements which I had never taken a notice for 13 years. Macy 's customer service Representative referred me to XXXX XXXX XXXX   to resolve the problem. I canceled and requested for a full refund of the amounts taken away for 13 years. Since XX/XX/XXXX I have not getting my refund while it is approaching 90-day.

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