vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-29 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: CA

Complaint narrative:
I received copies of my credit report from XXXX, XXXX, Equifax and noticed the companies reporting inaccurate information in my credit file I called the companies and disputed the accounts the companies claim the accounts was verified and continue to report the inaccurate information on my credit report. I disputed by phone and mail so that I can keep complete record of all correspondence I also disputed with the companies that is reporting the inaccurate accounts. XXXX, XXXX, and Equifax claim that they have verified the accounts and that is not already one of the company 's I sent a dispute certified letter to has already been sent back to me saying that the company does not exist these bureau are allowing incorrect information status on accounts and old information to continue to report in my credit. also they are reporting names and addresses medical collection without following the HIPAA rules and regulations so please look into the companies it is not right for the credit bureau to report information that does not belong to you for the purpose of making money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TIDEWATER FINANCE COMPANY, INC.
State: FL

Complaint narrative:
XX/XX/XXXX A Letter was mailed to Tide Water Fiance Company in reference to account number XXXX for payments not be applied on time and repeated phone calls that were to stop and to apply payments on time. I continue to get emails when my payment is late and phone calls. My wife XXXX XXXX at XXXX called XX/XX/XXXX and asked them to stop calling the represenative advised that both my numbers XXXX and XXXX would be added to the do not call list. My wife called today and recorded the conversation with TideWater advising the call was recorded did indeed confirm that since XXXX XXXX 3 calls have been placed by them to collect a debt. 
I have paid the bill and the company has called to collect a late fee. Please advise as to what to do? I am tired of receiving calls and being harrassed from the company. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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: NC

Complaint narrative:
I noticed I had 13 accounts on my credit report that didnt have any company information. I reached out to Equifax and asked them about it, could they remove it. The second thing is I have court documentation I have opened disputes in XXXX for XXXX XXXX XXXX and XXXX XXXX XXXX concerning I also submitted the court documentation that the judge has dismissed both cases, and the Equifax representative said they would not take the documentation. Every time I call I get somebody in XXXX and I dont feel comfortable talking to someone in XXXX, so when I asked to speak to someone in the States, they get offended sometimes. The reason I asked is because of the Equifax breach, I have been constantly getting scam calls that I have a virus on my computer, or I got approved for a loan and theres no virus on my computer because I work for XXXX and my computer is monitored. Because of this breach, it has greatly caused XXXX and I have to spend money for ID protection software, credit monitoring software, I just today XX/XX/XXXX paid for the Equifax premier class subscription to monitor my credit because of the breach. Im trying to repair my credit so I can purchase a house for my family. Also i sent over court records of accounts that was dismissed by a judge. Equifax and XXXX did not take the court document. Even in the last complaint the only thing they did was open a dispute a

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-29 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: CT

Complaint narrative:
hi iam making a complaint with bestbuy for a tv promotion i have bought a tv with my credit card and i been making my payments but just to find out yesterday i call bestbuy credit card customer service and ask them what was my tv balance they say {$630.00} they never apply my payments to my promotion they apply my promotion payment to the balance of the card and now it say that my promotion balance is {$630.00} so i tell them to take out the balance money to puted in the promotion they say they could do it so now they tell me to make another pay and that they was going to apply on the promotion i dont even believe what they say so i see somebody with the same problem so i contact CFPB would you help please i would like to make a compalint to get all the XXXX dollar apply to my promotion or going to sue them because this is a scam from bestbuy  lets all complaint deceptive billing

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 2019-06-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Key 2 Recovery, Inc.
State: MA

Complaint narrative:
This is a student loan. XXXX XXXX XXXX ( XXXX ) in Kentucky. I graduated from XXXX with a paid in full invoice. Months later XXXX contacted me about their account error of ~ {$1800.00}. I made several attempts to get explanations and during the process XXXX released to the illegeged debt to two credit collections agencies. Keys 2 Recovery and XXXX XXXX XXXX. Now the debt is {$2500.00}. 
I have sent letter to XXXX, Keys 2 Recovery and XXXX XXXX XXXX to only communicate by email, yet Keys 2 Recovery continues to call. The letter I sent was registered mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: MO

Complaint narrative:
Absolute Resolutions Corporation is trying to recover what they claim to be a purchased debt, yet the amount owed and the charge off date do not match what is on my credit report. They first tried to collect on a debt originally owned by XXXX, who closed the account according to the CRA in XX/XX/XXXX. Absolute Resolutions Corporation first used XXXX XXXX XXXX to attempt to collect the debt on or around XX/XX/XXXX. XXXX XXXX XXXX in addition to attempting to collect with the wrong amount owed and charge off date also violated The Truth in Caller ID Act. After filing a complaint with the Attorney General 's Office of Missouri, XXXX XXXX XXXX made the decision to no longer pursue the debt and promised to send it back to the original creditor. They interpreted their statements as Absolute Resolution Corporation being the original creditor not fulfilling what they stated they would do. 

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX, claiming that the debt had now been placed with them and they were also trying to collect with the same incorrect and misleading information regarding the charge off date and amount owed. Another complaint was immediately filed to the Attorney General 's Office of Missouri. 

On XX/XX/XXXX, I received a letter from the Attorney General 's Office stating that ARC claims no wrongdoing and that their office is unable to provide the relief I'm seeking and that my complaint is not without merit and I should consult a private attorney. 

Again, ARC claims that the debt is validated and produces various documentation that doesn't reflect the same information that was reported by the original creditor on any of my credit reports. 

With no judgment against me, no lawsuit filed against me, no open account for this debt on my credit report, one collector who decided to no longer pursue my account, and a lot of information online saying Absolute Recovery Corporation and XXXX XXXX XXXX are scams, I do not feel like they have the authority to collect this debt. Absolute Recovery Corporation despite providing documentation has failed to validate by providing inaccurate and misleading information on the charge off date and amount owed on this debt. 

I am happy to provide all correspondence they've sent through the Attorney General 's Office, in addition to my credit report, to prove that what they claim doesn't match the information reported by the original creditor to the three main CRA 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
Checking my credit reports, saw that I have a collections notices XXXX was the original debt {$440.00} but it was bought by Diversified Consultants. 

Requested validity of debt from XXXX. 

Received letter from Diversified Consultants with original XXXX bill. 

XXXX has the wrong state that I never lived in. 

I never received the bill from XXXX because they had the wrong address in turn they sold it to debt collections and it's on my 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I noticed I had 13 accounts on my credit report that didnt have any company information. I reached out to XXXX and asked them about it, could they remove it. The second thing is I have court documentation I have opened disputes in XX/XX/XXXX for XXXX XXXX XXXX. and XXXX XXXX XXXX concerning I also submitted the court documentation that the judge has dismissed both cases, and the XXXX representative said they would not take the documentation. Every time I call I get somebody in XXXX and I dont feel comfortable talking to someone in XXXX, so when I asked to speak to someone in the States, they get offended sometimes. The reason I asked is because of the XXXX breach, I have been constantly getting scam calls that I have a virus on my computer, or I got approved for a loan and theres no virus on my computer because I work for XXXX and my computer is monitored. Because of this breach, it has greatly caused anxiety and I have to spend money for ID protection software, credit monitoring software, I just today XX/XX/XXXX paid for the XXXX XXXX XXXX subscription to monitor my credit because of the breach. Im trying to repair my credit so I can purchase a house for my family. Also i sent over court records of accounts that was dismissed by a judge. XXXX and Transunion did not take the court document. Even in the last complaint the only thing they did was open a dispute a

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 2019-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
I was a victim of credit card identity theft : someone opened an account in my name, charged {$590.00} to the credit card, and never paid. I did not know that anyone had taken out a credit card in my name until XX/XX/XXXX, when I discovered I was a defendant in a small claims case in Missouri. As soon as I discovered that someone was using my identity to get a credit card in my name, I filed a police report, contacted the three credit agencies to put fraud alerts on my credit, and filed a identity theft affidavit with the FTC. My court case was dismissed in XX/XX/XXXX. The debt was sold to a collection agency, Resurgent Capital Services ( XXXX XXXX XXXX XXXX, SC XXXX XXXX ). When I called to tell them this was identity theft, they still did not believe me, so my attorney got involved and spoke with them. She then sent them a letter with copies of my fraud affidavit, police report, drivers license and social security card, but they said it was not sufficient evidence to discharge the debt. My attorney 's office is still receiving harassing letters from this company, who will not cease contact with me. I am trying to get this debt removed from my credit report. I am hoping you can help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Loancare A XXXX Company that goes by the name of XXXX ( XXXX XXXX XXXX, XXXX XXXX, VA XXXX / XXXX ) has billed us a late charge of {$110.00} when our payment was made on time. My wife and I make two payments of equal amounts ( {$1500.00} ) that are typically received by the servicing company within a day of each other ( XX/XX/XXXX and XX/XX/2019 respectively ) and a week or more before the due date ( XX/XX/2019 ). 
Loancare took half of our payment ( {$1500.00} ) and put it  in an unapplied balance/principal and added that amount ( {$1500.00} ) to our total amount due for the next month ( {$2800.00} + {$1500.00} ). 
I was under the impression that if we make our payments before the due date it shouldnt matter whether its in two lump sums or one. 
Please advise.

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 2019-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I contacted TransUnion LLC, pursuant to the FCRA, and provided the notice required by law, requesting that the credit reporting bureau investigate and remove unauthorized inquiries from credit report. 

Instead of properly investigating the matter and requiring the creditor ( s ) to provide documentation to substantiate that the creditor ( s ) provide the mandatory documentation that substantiated that the creditor ( s ) had legal authorization to access my credit report, TransUnion LLC, merely responded with a letter ( File Number :  XXXX ) attempting explain what " permissible '' purposes that a creditor may access a person 's credit file and did remove nor provide any evidence that would remotely suggest that they engaged in a proper investigation, as they are required to do by law, much less, that TransUnion LLC, had obtained proof from any of the creditors, named in my dispute, that would prove that the creditor ( s ) had obtained authorization from me to access my credit file as the law requires. Therefore, TransUnion LLC is in violation of federal law by continuing to report these unauthorized, illegal credit inquiries.

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 2019-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a dispute to Transunion regarding an account with XXXX on XX/XX/XXXX of XXXX. I received correspondence from Transunion on XX/XX/XXXX that stated that the account was verified. The date of the last update reflects that it had not been updated since XX/XX/XXXX. This means that they did not in fact, perform an actual investigation into this item! This is a direct violation of 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 2019-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: GA

Complaint narrative:
I have repeatedly contacted this company to correct my late fees as they call them. In the beginning I had problems with them talking to unauthorized members on my behalf which is illegal. I paid every month until they continually added late fees that were not justified. I feel they did this so I would not be able to pay the loan off. I am very upset with this. I have tried numerous times to have this handled. They also call me at least 14 times on any given day to bully me. Never to talk and try to handle it. I do not understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
Bought home on XX/XX/2019 from XXXX XXXX. XXXX XXXX, an affiliate of XXXX XXXX, took on our va loan and 1st payment was due on XX/XX/2019. We paid in full on XX/XX/2019 and got from XXXX County, Az a copy of home title saying also that it was our home paid in full. Evidently, XXXX XXXX sold our loan to Mr. Cooper who has been calling, sending invoices, harassing us twice a week along with sending late notices. Tried to contact both XXXX and Mr. Cooper many times and still getting nowhere. Mr. Cooper has put our so called loan on our credit report. Filed with XXXX   to have it removed but no luck so far. Tried to explain that we did not have a loan with them but they don't care still harassing and threatening to ruin our credit. We are stuck in the XXXX and Mr. Cooper, who XXXX told us Mr. Cooper would not take over loan until XX/XX/2019. Please help as we are elderly, husband a veteran and XXXX. Don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: GA

Complaint narrative:
Im reaching out because there are still items on my credit that are still mine. Its crazy because I cant even help my mom get a car because of this. Please can someone help me with these things XXXX XXXX XXXX Acct XXXX, XXXX XXXX Acct XXXX, XXXX XXXX Acct XXXX, XXXX CARD Acct XXXX, XXXX, XXXX Acct XXXX and XXXX XXXX XXXX Acct XXXX. I have contacted the FTC as I was advised and my local police. Im doing this on my own behalf. Please remove those items from my credit.

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 2019-06-30 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: GA

Complaint narrative:
Im reaching out because there are still items on my credit that are still mine. Its crazy because I cant even help my mom get a car because of this. Please can someone help me with these things XXXX XXXX XXXX Acct XXXX, XXXX XXXX  Acct XXXX, XXXX XXXX Acct XXXX, XXXX XXXX  Acct XXXX, XXXX, XXXX  Acct XXXX and XXXX XXXX XXXX Acct XXXX. I have contacted the FTC as I was advised and my local police. Im doing this on my own behalf. Please remove those items from my credit.

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 2019-06-30 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: GA

Complaint narrative:
Im reaching out because there are still items on my credit that are still mine. Its crazy because I cant even help my mom get a car because of this. Please can someone help me with these things XXXX XXXX XXXX Acct XXXX, XXXX XXXX Acct XXXX, XXXX XXXX Acct XXXX, XXXX CARD Acct XXXX, XXXX, XXXX Acct XXXX and XXXX XXXX XXXX Acct XXXX. I have contacted the FTC as I was advised and my local police. Im doing this on my own behalf. Please remove those items from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I contacted Experian, pursuant to the FCRA, and provided the notice required by law, requesting that the credit reporting bureau investigate and remove unauthorized inquiries from credit report. 

Instead of properly investigating the matter and requiring the creditor ( s ) to provide documentation to substantiate that the creditor ( s ) provide the mandatory documentation that substantiated that the creditor ( s ) had legal authorization to access my credit report, Experian, merely responded with a letter ( Report # : XXXX ) that did address the matter of the unauthorized inquiries that they were requested to investigate and did not remove nor provide any evidence that would remotely suggest that they engaged in a proper investigation, as they are required to do by law, much less, that Experian, had obtained proof from any of the creditors, named in my dispute, that would prove that the creditor ( s ) had obtained authorization from me to access my credit file as the law requires. Therefore, Experian is in violation of federal law by continuing to report these unauthorized, illegal credit inquiries.

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