vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-13 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: Clarity Services
State: CA

Complaint narrative:
I have 4 collection accounts from years ago that keeping being reported as current. they are either duplicates, old or paid as agreed but now show as recent collections. I ca n't get help from the creditors/collection agencies. I was referred to you to submit a complain for Clarity Services. I need help and ca n't get any funds. This separate database has totally ruined my life and chance of rebuilding for me and my XXXX kids. I was forced to leave a XXXX XXXX marriage and was told i would have help and protection against discrimination, etc. Where is my protection now? 9 years of working so hard to feed my kids and trying to clean up everything. my joint bad credit finally is off my records and now what do i do. Today XX/XX/17, I was denied a small loan by XXXX XXXX, XXXX XXXX, and XXXX XXXX and more in the past few weeks. These companies charged thousands to borrow {$500.00} and that is also why this company is hurting my life. For all single mothers that get out of XXXX XXXX, it is not easy and no one is there to help. you have to beg and search and see if you are lucky to find resources. I lost my home last year and could n't rent a decent place because of this. Please help me take any negative credit off my record under Clarity and then they need to report to the 3 bureaus. XXXX, XXXX, XXXX. please help me on this. Clarity Services, Inc. XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Centralized Business Solutions Company
State: OH

Complaint narrative:
Previous obligations of paying for medical transport expenses have been practiced by self, without any need for further action being taken by the company of XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. These independent arrangements of payment conducted by self were without ample warning of any kind of " unacceptable '' payment, as each payment was accepted and each personal check was cashed as to accept. As well, there was no standard legal practice of my receiving warnings written of the eventual possibility of my being reported to a credit bureau. This credit bureau created its first report of negligent credit to me as of XXXX XXXX 2017. There ate 2 amounts that have been reported to this agency. One is on the amount of {$540.00}. The other amount is for {$180.00}. Both amounts are for the same ( medical transport services ). This credit bureau is named CSBC, which has the address of XXXX. XXXX XXXX, XXXX XXXX, Ohio XXXX. Further proof of acceptance of payments can be available upon request to the bureau of CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
When I finished school I got a job, then was laid off, then got unemployment then got a job ( temp ) I went from unemployment to employment then back to unemployed with barely any ability to pay my loans off. I asked for help to pay a minimum and every tie was told to file forbearance. I did this for four years! My interest just kept going up and up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 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: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CO

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX from Carhop in XXXX, WI in XX/XX/XXXX. About a week after purchase, the A/C stopped working and the transmission began to slip. I contacted Carhop to try to fix the issues and they said they would not fix the car at no cost, the repairs were more than I could afford. I received a letter from an attorney about a lawsuit he was filing against Carhop and advised me to voluntarily surrender the car. I turned the car in but decided not to be involved with the lawsuit due to family issues at the time. Carhop removed the account from my credit, then 6 months later sold the debt to Universal Acceptance.

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 2017-08-13 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: CA

Complaint narrative:
I have 4 collection accounts from years ago that keeping being reported as current. they are either duplicates, old or paid as agreed but now show as recent collections. I ca n't get help from the creditors/collection agencies. I was referred to you to submit a complain for XXXX XXXX. I need help and ca n't get any funds. This separate database has totally ruined my life and chance of rebuilding for me and my XXXX kids. I was forced to leave a dangerous abusive marriage and was told i would have help and protection against discrimination, etc. Where is my protection now? 9 years of working so hard to feed my kids and trying to clean up everything. my joint bad credit finally is off my records and now what do i do. Today XX/XX/17, I was denied a small loan by XXXX XXXX, XXXX XXXX, and XXXX XXXX and more in the past few weeks. These companies charged thousands to borrow {$500.00} and that is also why this company is hurting my life. For all single mothers that get out of domestic violence, it is not easy and no one is there to help. you have to beg and search and see if you are lucky to find resources. I lost my home last year and could n't rent a decent place because of this. Please help me take any negative credit off my record under Clarity and then they need to report to the 3 bureaus. Transunion, XXXX, XXXX. please help me on this. XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, FL 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 2017-08-13 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: CA

Complaint narrative:
I have 4 collection accounts from years ago that keeping being reported as current. they are either duplicates, old or paid as agreed but now show as recent collections. I ca n't get help from the creditors/collection agencies. I was referred to you to submit a complain for XXXX XXXX. I need help and ca n't get any funds. This separate database has totally ruined my life and chance of rebuilding for me and my XXXX kids. I was forced to leave a XXXX XXXX marriage and was told i would have help and protection against discrimination, etc. Where is my protection now? 9 years of working so hard to feed my kids and trying to clean up everything. my joint bad credit finally is off my records and now what do i do. Today X/XX/17, I was denied a small loan by XXXX XXXX, XXXX XXXX, and XXXX XXXX and more in the past few weeks. These companies charged thousands to borrow {$500.00} and that is also why this company is hurting my life. For all single mothers that get out of XXXX XXXX it is not easy and no one is there to help. you have to beg and search and see if you are lucky to find resources. I lost my home last year and could n't rent a decent place because of this. Please help me take any negative credit off my record under XXXX and then they need to report to the 3 bureaus. XXXX, XXXX, Equifax. please help me on this. XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
XX/XX/2015, XXXX XXXX paid 2 ach debits for large amounts over my balance without my authorization. They have a policy of not paying over a certain overdraft amount and i did not have overdraft protection. I contacted customer service by phone and was in communication by email with the branch manager few  times in XX/XX/2015. Account was closed due to NSF with negative balance around {$280.00}. Balance was all overdraft/account fees due to the unauthorized debits being paid for 2 times per month for few months. i requested to block the entire account. for several weeks, the account was charged {$33.00} per NSF ACH debit and {$6.00} weekly for keeping it negative balance and finally closed and sent to XXXX. i tried to stop all of this with the bank and was unsuccessful.

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 2017-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Enterprise Systems, Inc.
State: FL

Complaint narrative:
I was recently alerted by a credit monitoring service that a new collection account was placed on my XXXX credit report on XX/XX/XXXX in the amount of {$2500.00} by National Enterprise System the original creditor being XXXX XXXX. Let me start by saying, I do n't owe this debt because it was included in my chapter XXXX bankruptcy discharged of XX/XX/XXXX. I am certain XXXX XXXX was notified of my filing and discharge at the time. I have a copy of my discharge notice as proof. I was also able to contact XXXX XXXX on XX/XX/XXXX which they then confirmed my debts were sold to an outside collection agency many years ago soon after learning of my filing. XXXX XXXX forward me an old student account summary showing a balance in the amount of {$1000.00} dated XX/XX/XXXX that I allegedly owed at the time, which i disagreed with. The collection agency ( NES ) who now owns this zombie debt plus the unexplained amount they 've added on to it has re-aging this debt by recently placing it on my credit report as if it was only 4 years old.They claim I owe this amount but can not tell me why. I have worked very hard to re-establish my credit over the past 6 years and now my rights are being violated and this is beginning to cause me great stress and depression.

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 2017-08-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Recently I have discovered some discrepancies with my Credit Score reporting by XXXX to my XXXX XXXX XXXX credit card. I 've been working on this issue, and XXXX mailed my corrected report and score to me just a couple of weeks ago. At this point I checked on two of my credit cards XXXX & CapitalOne which use XXXX service ( run by CapitalOne ) to provide their customers with access to their credit scores. According to XXXX, they get their info from XXXX, but the score they show is completely different from what was sent to me by XXXX, as well as two loans incorrectly reported by XXXX as Personal Loans are actually Parent-Plus Student Loans as correctly shown by XXXX ( see attached ). I have contacted XXXX and XXXX card about these issues via messaging on their Web Site, but as you can see from their answer ( see attached ) they dont even bother to read their customers messages. CapitalOne just sent an email to me with a statement " No changes to your credit report '' ( see attached ), which means XXXX did n't even bother to check my info against what XXXX shows ... I am not aware of any other way of contacting these people, and mistakes like these can cost me a lot of money. Please help me convince XXXX associates to do their jobs as well as XXXX and CapitalOne take seriously their responsibility to their customers. I find it highly disturbing knowing that my financial well-being is in the hands of somebody who cares so little they dont bother to even read my 3-sentences message. Something really should be done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Best Buy Credit Card Purchased an item XX/XX/15 for {$780.00}. On the purchase screen I was asked if If would like " 5 % rewards back '' or " 18 months no interest ''. I chose " 18 months no interest ''. I received a bill this month with {$410.00} in DEFERRED interest charges. The screen never said DEFERRED. It said " NO ''. Biggest scam I have ever seen in my life. They purposely worded it to misleading. They are running a SCAM.

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 2017-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
On XXXX XXXX, 2017 I received a letter from National Credit System , Inc stating that the account with a balance of {$1300.00} is owed by me, I know of no such account and I owe no such amount. I 've tried to disputed the account with the collection agency to rectify this issue and they are still reporting this ridiculous information and damaging my credit on all 3 credit bureau. Apparently this is some sort of leasing agreement which I have no knowledge of or ever resided at. Along with that they sent me documents with a signature that is clearly not mine. This is not my dept and I will not be compelled and I refuse to send them any documents or identification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: WA

Complaint narrative:
Recently I have discovered some discrepancies with my Credit Score reporting by XXXX to my XXXX XXXX XXXX credit card. I 've been working on this issue, and XXXX mailed my corrected report and score to me just a couple of weeks ago. At this point I checked on two of my credit cards Discover & XXXX which use XXXX service ( run by XXXX ) to provide their customers with access to their credit scores. According to XXXX, they get their info from XXXX, but the score they show is completely different from what was sent to me by XXXX, as well as two loans incorrectly reported by XXXX as Personal Loans are actually Parent-Plus Student Loans as correctly shown by XXXX ( see attached ). I have contacted XXXX and Discover card about these issues via messaging on their Web Site, but as you can see from their answer ( see attached ) they dont even bother to read their customers messages. XXXX just sent an email to me with a statement " No changes to your credit report '' ( see attached ), which means XXXX did n't even bother to check my info against what XXXX shows ... I am not aware of any other way of contacting these people, and mistakes like these can cost me a lot of money. Please help me convince XXXX associates to do their jobs as well as Discover and XXXX take seriously their responsibility to their customers. I find it highly disturbing knowing that my financial well-being is in the hands of somebody who cares so little they dont bother to even read my 3-sentences message. Something really should be done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 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: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I have an auto loan with Santander Consumer USA. I lost my job in 2016 after having this loan. I called and the rep said they would skip a payment and I could pay two months later and I would not have any late fees or penalties. My credit report shows 4 late pays with Santander and they now state that did n't happen when I call in.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 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: N.A.R., Inc.
State: FL

Complaint narrative:
NAR INC has a collection account on my credit report in the amount of {$3100.00}. This is a company that I have never had any dealings with this company. I have no contract with this company either. I have asked this company to provide me with a signed contract between them and myself and they have not done so. They need to be removed from credit reports immediately! Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 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: MA

Complaint narrative:
I have an auto loan with XXXX XXXX XXXX. I lost my job in 2016 after having this loan. I called and the rep said they would skip a payment and I could pay two months later and I would not have any late fees or penalties. My credit report shows 4 late pays with XXXX and they now state that did n't happen when I call in.

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 2017-08-13 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: MA

Complaint narrative:
I have an auto loan with XXXX XXXX XXXX. I lost my job in 2016 after having this loan. I called and the rep said they would skip a payment and I could pay two months later and I would not have any late fees or penalties. My credit report shows 4 late pays with XXXX and they now state that did n't happen when I call in.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 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: MA

Complaint narrative:
I have an auto loan with XXXX XXXX XXXX. I lost my job in 2016 after having this loan. I called and the rep said they would skip a payment and I could pay two months later and I would not have any late fees or penalties. My credit report shows 4 late pays with XXXX and they now state that did n't happen when I call in.

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 2017-08-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax dropped my credit score 96 points in one week using 6 changes as their reasoning. ( 1 ) change of address, been here 6 months ( 2 ) student loan balance increased {$97.00} in the last 12 months, probably interest on the deferred loan. ( 3 ) Fed student loan inquiry, yes they did inquire just as they do each time you get a student loan, but last year 's is still on there. ( 4 ) and ( 5 ) and ( 6 ) all have to do with having a high balance on my 2 credit cards. Total limit between the 2 cards is {$900.00} dollars of which I owe {$550.00}. I think this drop in my score which took me from fair to very poor was harsh considering I have no derogatory credit and have been working hard over the last year to build my credit. Always pay on payments early and more than minimum every month. The other 2 agency 's did drop my score but only 7 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 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: GA

Complaint narrative:
There is a 30 day delinquency reporting on all 3 credit bureaus. I 've spoken to 2 different agents within the credit department in reference to the delinquency. They assured me that this derogatory information would be remove due to an error in the delinquency reporting. It has been over 4 months and the late payment delinquency has not been removed. I 've been an account holder with the particular company for a long time and have been in good standing until this error which was not in my part.

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 2017-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i have applied for Transunion membership and when filling the form it does not have a payment page and withought confirming the price or charge the company charged my account for the amount of XXXX USD. later they sent a confirmation letter confirming the order that i have not made.

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