vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX amount XXXX date XX/XX/XXXX. collection agency sent a letter stating they had bought a debt from original creditor from XX/XX/XXXX. The collection agency re-aged this debt and reported it to XXXX with the most recent date not the original delinquency date I have disputed with XXXX  and they are validating this to be true I have never made a payment and have disputed this debt in the past and it has never been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This account was sold to collection agency against Hipaa violation. Account was sold for {$6000.00} and got a call about trying to be sued. I have not signed or received any paperwork from company. XXXX XXXX and XXXX XXXX have went against the Hipaa law. Now I get a letter about wage garnishment but yet to receive proper paperwork. This is unethical of this company to sue without summoning myself with proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 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: BB&T CORPORATION
State: CT

Complaint narrative:
I leased a XXXX XXXX in XX/XX/XXXX at XXXX XXXX XXXX with XXXX XXXX as the loan company. Payments were made on time and did not have any issues with them for the duration of the lease. I decided to upgrade my vehicle in XX/XX/XXXX with XXXX XXXX XXXX because they offered to pay over mileage, the 2 remaining payments and the disposition fee which totaled {$1800.00}. XXXX had someone come to pick up the rouge about a week later. In XXXX I received a bill for {$1000.00}. I called and spoke to a representative to let them know I was responsible for {$580.00} which was the car tax that I know I owed to them. Also, that there was no way there was {$480.00} worth of damage on the vehicle as there was only minor wear and tear. The representative tried to offer me a discounted rate of {$820.00} which I declined because I did not owe them that much money. In XXXX I found out that the payment that the dealer sent was misapplied and they would not apply it correctly. I then reached out to the better business bureau because I was being treated unfairly. I realized that XXXX XXXX is known for overcharging and treating customer horribly at the end of their leases. The car dealership even told me they stopped doing business with them because there is always end of lease issues with XXXX and it has caused them to lose customers. I was dealing with the better business bureau to try to get this situation handled and i noticed that XXXX started reporting me late on my lease even though i have always paid my lease on time. The lease was up in XXXX and they reported me as late in XXXX, XXXX and XXXX and my credit took a 50 point dip. Working the the XXXX a XXXX representative offered a settlement of {$200.00} and if I paid it that the negative items would be removed from my credit report. So, even though i did not feel that I owed them that much money I paid it so that my credit could be restored. About a month later I noticed my credit score had not changed, so I emailed the representative to ask her when the negative items would be taken off my credit report and found out that they cashed the check but had not applied the payment. They then applied the payment to my account and my file was updated not paid in full and still had collections on it. I disputed the file about 4 times and not it shows that i have 2 accounts with XXXX, one that shows that the lease was paid on time from XX/XX/XXXX-XX/XX/XXXX and another that shows paid, was a charge off and is negative XXXX, XXXX and XXXX. So my credit is still jacked up and XXXX did not live up to their part of the deal.

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 2018-07-14 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: AZ

Complaint narrative:
On XX/XX/2018, I received my second notice from XXXX XXXX  that my Credit Score has dropped 30 points at a second Credit Bureau in the past week and I'm not sure as to why, the account in question has never nor is it currently behind. The Creditor says that they submitted the amount that is currently due this month and before I could pay it on XX/XX/2018, Transunion and XXXX  has dropped my credit Score by 30-60 points and I would like to know why? A Rep a XXXX said that it is because I exceeded 30 % of my total approved limit for that particular card and that Creditors do not want you to exceed that amount because they feel you are in debt and you can't pay it back. I understand that, but, shouldn't I at least get a chance to pay it before I get a penalty? We had a situation with my car this month and I put the one time charge on my card not knowing that I would suffer a penalty, isn't that part of what you get these cards are for? I wouldn't normally complain but this policy doesn't make sense, the bureaus say that this limit is designed to stop you from defaults but, if I have a low limit card ( say about {$3000.00} ) and it goes over a {$1000.00} I get a penalty. They say that you are High Risk of not paying it back but, if I have a card that is limited to say {$11000.00}, I can charge $ 3200+ and I'm fine and I'm doing a great job ( credit Wise ), even though I'm at a greater financial risk, Why? The government needs to have the bureaus explain this to consumers before you get this penalty. The Bureaus need to explain who and how these limits are determined. The bureaus are setting the limit on what you can use in any given month, SHOUD N'T THEY BE THE ONES APPROVING THESE CREDIT CARDS ALSO? What is the point of a creditor giving you a limit, if the bureaus aren't going to let you use it? The Bureaus have the power to destroy a persons life in seconds, but, once they give you a mark, it takes month to years to try and straighten it out, Why? The bureaus say that my credit standing is excellent, but I have a risk and usage level of only 30 %, Why? This is submitted as a General Use Statement and if you request further documentation, I can provide 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 explanation
Consumer complaint received 2018-07-14 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: AZ

Complaint narrative:
On XX/XX/2018, I received my second notice from XXXX XXXX that my Credit Score has dropped 30 points at a second Credit Bureau in the past week and I'm not sure as to why, the account in question has never nor is it currently behind. The Creditor says that they submitted the amount that is currently due this month and before I could pay it on XX/XX/2018, XXXX and XXXX   has dropped my credit Score by 30-60 points and I would like to know why? A Rep a XXXX said that it is because I exceeded 30 % of my total approved limit for that particular card and that Creditors do not want you to exceed that  amount because they feel you are in debt and you can't pay it back. I understand that, but, shouldn't I at least get a chance to pay it before I get a penalty? We had a situation with my car this month and I put the one time  charge on my card not knowing that I would suffer a penalty, isn't that part of what you get these cards are for? I wouldn't normally complain but this policy doesn't make sense, the bureaus say that this limit is designed to stop you from defaults but, if I have a low limit card ( say about {$3000.00} ) and it goes over a {$1000.00} I get a penalty. They say that you are High Risk of not paying it back but, if I have a card that is limited to say {$11000.00}, I can charge $ 3200+ and I'm fine and I'm doing a great job ( credit Wise ), even though I'm at a greater financial risk, Why? The government needs to have the bureaus explain this to consumers before you get this penalty. The Bureaus need to explain who and how these limits are determined. The bureaus are setting the limit on what you can use in any given month, SHOUD N'T THEY BE THE ONES APPROVING THESE CREDIT CARDS ALSO? What is the point of a creditor giving you a limit, if the bureaus aren't going to let you use it? The Bureaus have the power to destroy a persons life in seconds, but, once they give you a mark, it takes month to years to try and straighten it out, Why? The bureaus say that my credit standing is excellent, but I have a risk and usage level of only 30 %, Why? This is submitted as a General Use Statement and if you request further documentation, I can provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
This account was sold to collection agency against Hipaa violation. Account was sold for {$6000.00} and got a call about trying to be sued. I have not signed or received any paperwork from company. Synchrony Bank and XXXX XXXX have went against the Hipaa law. Now I get a letter about wage garnishment but yet to receive proper paperwork. This is unethical of this company to sue without summoning myself with proper documentation.

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 2018-07-14 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: The CBE Group, Inc.
State: CA

Complaint narrative:
This collection agency is reporting someone else 's debt on my credit file and is damaging my credit Collection company name : CBE GROUP INC-FORMER

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In XX/XX/2017, I had an unauthorized transaction put on a Citi credit card that I had not been using for a long time ( and so, had not been checking statements as I knew I hadn't used the card -- -the card had {$0.00} balance prior to this transaction ). I only found about this transaction when I checked my Credit score and saw that it had dropped 100 points ( previously was in the 820s, dropped down to 720 or so ). Upon checking my credit reports, there was a 60-day past due mark associated with this account for XX/XX/2017. I contacted Citi -- -who offered to refund the associated late fees and also to help me fix the credit report -- -- because there was an understanding that this all related back to an unauthorized transaction on my account. They said that if I could get the merchant to reverse the charge -- -as proof that it was an unauthorized charge -- -- that they'd refund the late fees and also help me get the credit report fixed.

I got the transaction reversed, and Citi subsequently removed the late fees -- -- but the delinquent mark on my credit report still sat there for months.

Recently, I wrote a credit bureau dispute directly to Citi 's Dispute department and provided all of the necessary detail needed for them to work with the bureaus to fix my credit report. However, their team wrote back to me with a letter stating " our records show that the information on your credit report is correct '' -- -- in spite of the fact that multiple service reps that I talked to agreed that I shouldn't have a delinquent status over an unauthorized transaction that went unnoticed on my part ( again, the card was not being used for months, so it took a while to even see the transaction ).

I am looking for the CFPB 's help to intervene on my behalf with Citi so that they can take the corrective action -- -- which is within their means -- -- to work with the bureaus to get rid of the bad mark on my credit reports.

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 2018-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX we bought a used truck from a big car dealership in XXXX Fl. They financed it with XXXX, big office in XXXX. The truck was paid off in XX/XX/XXXX. We have the title, someplace. In XX/XX/XXXX the registration had to be renewed, we could not do it on-line, as we had done for 10 years. I went to Florida DMV and they could not renew the tags because there was an electronic lien on the truck. WFS/Westlake financial services, we never had a loan of any kind with them, had placed a lien. We can not sell, donate, give away this truck or renew the tags with their lien on the truck. I called customer care (? ), was put on permanent hold, after endless transfers, they only wanted my loan number, don't have one, nobody knew about electronic liens, nobody had a name, was hung up on three times. My truck is being held hostage by WSF/Westlake financial services. At some point, I will get a bill to release the lien. If you are buying a car, motorcycle, anything, do not use WFS/ Westlake financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
Hello CFPB, I hope you can help me. 
After closing my case in XX/XX/XXXX, Case Number XXXX ( public information and can be looked up online in California Courts records ) Patenaude and Felix, a collection company with the address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, sent me a letter informing me I still owe a balance of {$820.00} outside of the settled case. I do not owe this amount and I called them and they told me I need to pay this amount to satisfy their client which is XXXX XXXX. The specified amount I owed was paid off and the case is closed. Now they are also calling me constantly and I need your help to stop them. Thank you very much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I contacted Capital One on Wednesday XX/XX/XXXX because there is a late payment being reported on my credit report in XX/XX/XXXX. The representative stated he saw no late payments in my history but he could not go beyond 180 days in the past. I have never been late with my payments. I still have a current open account with Capital One that I want to keep.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-14 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: FL

Complaint narrative:
I contacted XXXX XXXX on Wednesday XX/XX/XXXX because there is a late payment being reported on my credit report in XX/XX/XXXX. The representative stated he saw no late payments in my history but he could not go beyond 180 days in the past. I have never been late with my payments. I still have a current open account with XXXX XXXX that I want to keep.

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 2018-07-14 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: FL

Complaint narrative:
I contacted XXXX XXXX on Wednesday XX/XX/XXXX because there is a late payment being reported on my credit report in XX/XX/XXXX. The representative stated he saw no late payments in my history but he could not go beyond 180 days in the past. I have never been late with my payments. I still have a current open account with XXXX XXXX that I want to keep.

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 2018-07-14 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: NM

Complaint narrative:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts and addresses from my credit reports that do not belong to 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 2018-07-14 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: NM

Complaint narrative:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts and addresses from my credit reports that do not belong to 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 2018-07-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Hello CFPB, I hope you can help me. 
After closing my case in XXXX, Case Number XXXX ( public information and can be looked up online in California Courts records ) XXXX XXXX XXXX   a collection company with the address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, sent me a letter informing me I still owe a balance of {$820.00} outside of the settled case. I do not owe this amount and I called them and they told me I need to pay this amount to satisfy their client which is XXXX XXXX. The specified amount I owed was paid off and the case is closed. Now they are also calling me constantly and I need your help to stop them. Thank you very much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 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: CT

Complaint narrative:
I leased a XXXX XXXX in XX/XX/XXXX at XXXX XXXX XXXX with XXXX XXXX as the loan company. Payments were made on time and did not have any issues with them for the duration of the lease. I decided to upgrade my vehicle in XX/XX/XXXX with XXXX XXXX XXXX because they offered to pay over mileage, the 2 remaining payments and the disposition fee which totaled {$1800.00}. XXXX had someone come to pick up the XXXX about a week later. In XX/XX/XXXX I received a bill for {$1000.00}. I called and spoke to a representative to let them know I was responsible for {$580.00} which was the car tax that I know I owed to them. Also, that there was no way there was {$480.00} worth of damage on the vehicle as there was only minor wear and tear. The representative tried to offer me a discounted rate of {$820.00} which I declined because I did not owe them that much money. In XX/XX/XXXX I found out that the payment that the dealer sent was misapplied and they would not apply it correctly. I then reached out to the XXXX XXXX XXXX  because I was being treated unfairly. I realized that XXXX XXXX is known for overcharging and treating customer horribly at the end of their leases. The car dealership even told me they stopped doing business with them because there is always end of lease issues with XXXX and it has caused them to lose customers. I was dealing with the XXXX XXXX XXXX  to try to get this situation handled and i noticed that XXXX started reporting me late on my lease even though i have always paid my lease on time. The lease was up in XX/XX/XXXX and they reported me as late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and my credit took a 50 point dip. Working the the XXXX  a XXXX representative offered a settlement of {$200.00} and if I paid it that the negative items would be removed from my credit report. So, even though i did not feel that I owed them that much money I paid it so that my credit could be restored. About a month later I noticed my credit score had not changed, so I emailed the representative to ask her when the negative items would be taken off my credit report and found out that they cashed the check but had not applied the payment. They then applied the payment to my account and my file was updated not paid in full and still had collections on it. I disputed the file about 4 times and not it shows that i have 2 accounts with XXXX, one that shows that the lease was paid on time from XX/XX/XXXX-XX/XX/XXXX and another that shows paid, was a charge off and is negative XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. So my credit is still jacked up and XXXX did not live up to their part of the deal.

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