vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-23 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:
I HAVE DISPUTED THESE ITEMS THEY HAVE NOT REMOVED THEM YET

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: TN

Complaint narrative:
I HAVE DISPUTED THESE ITEMS THEY HAVE NOT REMOVED THEM YET

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 2020-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Associates of Maui, LTD
State: HI

Complaint narrative:
Contacted Credit Associates of XXXX in order to make a lump sum payment on the debt that I had with them. Spoke to a woman named XXXX who said that I could settle two of the accounts I had with them for amounts that were slightly less than what was owed. I asked XXXX if this would clear my obligation with them and was told that it would I also asked if I could receive a receipt regarding the transaction via mail or email which I provided to her the time of the conversation. I asked when I would see the removal of this from my credit to which I was told it would be posted on XX/XX/XXXX. On XX/XX/XXXX I left a message for XXXX requesting a receipt as I had still not received it but received no reply. I called again on XX/XX/XXXX and got connected to her to which I was told she would have an " XXXX '' send the receipt to my email which I never received. After checking my credit on XX/XX/XXXX I discovered that the supposedly discounted amounts that XXXX had given me on XX/XX/XXXX were reported to the credit bureau as derogatory and a collection/charge off debt owed which was not something that was disclosed by XXXX when the debt was collected. I called to speak to the supervisor and have yet to receive a call back. I have been unable to get any correspondence from them to date and was falsely led to believe that the amount I paid would settle the debt that I had with them which is a direct violation of the FDCPA which states that debt collectors can not use any false, deceptive, or misleading representation to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Comenity Bank 's contract with XXXX expired XX/XX/19. Comenity closed all of their XXXX credit card accounts. I was late I admit a couple times and comenity kept adding extra fees to the account. I was making my monthly payments as agreed, but they were still charging interest and fees as if the account is still open, so the balance kept rising instead of going down. I contacted them and questioned it and by then the monthly payment was higher and I told her I couldn't afford what they were asking that I could pay my original {$25.00} mo. Long story short. My balance was under {$500.00} when my account was closed it is now {$730.00} and they want a min. of {$180.00} mo. due on a closed account so I couldn't pay it. I will be glad to pay what I owed when the account was closed. How can comenity close all of their accounts when their contract ended and charge you ridiculous fees? Its gouging the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23 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: MO

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due, in addition this account has been closed. Please keep in mind that it is impossible to past due on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: MO

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due, in addition this account has been closed. Please keep in mind that it is impossible to past due on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2020-01-23 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: MO

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due, in addition this account has been closed. Please keep in mind that it is impossible to past due on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been  successful.

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 2020-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mutual Management Services LLC
State: GA

Complaint narrative:
I have contacted Mutual Management Services LLC repeatedly a number of times after discovering this account on my credit report. The first 3 times i reached out all representatives i spoke with claimed to not be able to find the account, which i initially did not find strange because i did not have any knowledge of this debt. After contacting the credit bureaus and confirming that this collection was on my credit report i called back and was tossed around to different reps until someone was able to locate my account. They said a debt of over {$10000.00} was owed to a company called XXXX XXXX which i have absolutely no knowledge of! i let the rep know that this account was either fraudulent or belonged to someone else. The rep thanked me for notifying them and said that they would notate the account and i would stop receiving notifications from them. That coversation was in XXXX. Still this fraudulent information remains on my credit report and mutual management services is refusing to remove it. I believe their actions are unlawful, shameful, vile and without merit. With that being said, it is distasteful for them to throw a curb ball of this magnitude, especially when they continuously REFUSE to Validate the Debt which would prove that they have proper ownership of the debt. Therefore, I believe the possible violations are as follow ( s ) but not limited to : 1. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( c ) : Transactions Not initiated by Consumer. 2. 607. Compliance procedures : ( b ) Accuracy of report ( 15 U.S. Code 1681e ) 3. 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) 4. 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ) 5. Continued to attempt to collect a disputed debt is a FDCPA violation according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) 6. 15 U.S.C. 1692e False or misleading representations 7. 15 U.S.C. 1692f Unfair practices 8. FDCPA-Validation of Debts 15 U.S.C. 1692g 9. Extortion 10. FRAUD by knowingly attempting to execute, any trickery scheme with the intent to defraud a consumer/ debtor. 11. 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material 12. FCDPA-Communicating false credit information-807 ( 8 ) 13. FCDPA-Falsely obtaining information about me-807 ( 10 ) 14. FCDPA-Creditor Misrepresentation of Identity-807 ( 14 ) 15. The debt collector shall cease all collection once the item has been disputed according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) I have attached police report and identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: MI

Complaint narrative:
XXXX XXXX -credit card was changed off in XXXX of XXXX ; the account was there in the company XXXX filling it was a joint account ; The balance unpaid been reported since XX/XX/XXXX ; The account is more then XXXX XXXX XXXX and should not be on my file.

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 2020-01-23 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: MI

Complaint narrative:
XXXX XXXX  -credit card was changed off in XXXX of XXXX ; the account was there in the company bankruptcy filling it was a joint account ; The balance unpaid been reported since XX/XX/XXXX ; The account is more then 7 years old and should not be on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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:
Equifax ; XXXX and XXXX are reporting incorrectly a balance due of {$6800.00} as well as reporting incorrectly that I am ( 120-180 ) days late on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full so the balance reporting needs to reflect {$0.00} due. Since this account has been paid, the lates that are reporting are incorrect as well. This false reporting of lates is seriously harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: TN

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a balance due of {$6800.00} as well as reporting incorrectly that I am ( 120-180 ) days late on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full so the balance reporting needs to reflect {$0.00} due. Since this account has been paid, the lates that are reporting are incorrect as well. This false reporting of lates is seriously harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-01-23 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: TN

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a balance due of {$6800.00} as well as reporting incorrectly that I am ( 120-180 ) days late on DPEDXXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full so the balance reporting needs to reflect {$0.00} due. Since this account has been paid, the lates that are reporting are incorrect as well. This false reporting of lates is seriously harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Marine One Acceptance Corporation
State: TX

Complaint narrative:
Loan was paid off on XX/XX/2020 I received the clear title in the mail on XX/XX/2020 Marine One debited {$200.00} from my bank account on XX/XX/2020 I called them on XX/XX/2020, it took 3 calls before anyone would answer the ringing phone. Spoke to XXXX who said it was my responsibility to cancel their scheduled payments. Was not apologetic at all, after I said I didn't like her attitude and wanted a supervisor she changed her tune ( and tone of voice ). Said she would cancel any future payments. I still wanted to speak to her supervisor - after holding for 5 minutes XXXX got on the phone and basically said the same thing. It was our fault that we didn't cancel their autopayments. I ended up disputing the transaction with the bank and now I an reporting their poor business practices here. I don't see how you can do anything but I want to warn others to STAY AWAY from Marine One Corporation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK
State: NY

Complaint narrative:
I recieved a loan consolidation advertisement from XXXX XXXX XXXX thru the us mail. When I called it turned out to be fredon debt relief. The salesmen took my info and told me that I should stop making payments to the cc companies and instead make monthly payments to a dedicated account. He assured me that fdr would negotiate with the cc companies and I would be debt free XX/XX/2019. I was told that a lawyer was not necessary but if needed I should use XXXX I like an XXXX drank the cool aid. 

After two of the cc companies were in settlement the third filed a court case against me. When I contacted fdr I was put in contact with a lawyer from XXXX   who informed me that I would need to make two balloon payments of {$5000.00} and increase my monthly dedicated account payments by over 50 % for the next 20 months. From what I can tell from their dashboard the reason for the increase in deposits was to pay their fees. 

When I objected to these terms with a XXXX lawyer I was told to contact fdr. When I contacted fdr I was told to contact XXXX. One of the XXXX lawyers even told me that due to the size of the debt the bank involved will not negotiate with fdr. The lawyer  for the bank even called me and said I would need a lawyer. 

The lawyer for XXXX told me that I needed to sign an agreement, that my only other option was bankruptcy. When I offered to pay at once instead of a structured settlement I was told I would be paying the same amount. I was never made aware of the ramifications associated with signing. 

I ran into money problems in XX/XX/2019 and was not able to make the second to last payment of the agreement on time. In XX/XX/2019 I contacted XXXX and a lawyer told me I should contact fdr. When I contacted fdr I was under the impression that it would not be a problem. At no time was I told that missing the payment would void the agreement nor was I given any other options on paying. 

When I called an XXXX lawyer for clarity on the matter he told me to contact fdr and laughed at my perdicement. I am being told that the payment plan was voided after the XXXX payment was skipped yet payments for XXXX & XXXX were processed. The XXXX payment was skipped by fdr so they could collect the last of their fees leaving the account short funds to make the final payment to settle the account. w Every time I emailed fdr on this matter I was pretty much told to call their 800 # to speak to a representative.Unfortunitly thats what got me in trouble in the first place. When I ask about what they have done to settle the account I get no answer. When I ask if they contacted the creditor in XX/XX/2019 concerning a late payment I get no answer. When I ask why I was not alerted to the fact that they were going to collect their fees instead of paying my creditor I get no answerXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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:
The number of times late that is being reported on my credit report seems inaccurate and or misleading. Please provide proof that the alleged account was in fact late and that you have taken the necessary steps to properly investigate your allegations Please provide this information and correct this account immediately so that it shows paid as agreed, never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23 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: HOVG, LLC
State: TX

Complaint narrative:
Bay Area Credit Service XXXX XXXX XXXX XXXX ) XX/XX/XXXX1. ) XX/XX/2016 {$1300.00}XX/XX/XXXX 1. ) XX/XX/2016 {$1300.00} 2. ) XX/XX/2016 {$1300.00} I reached out to my insurance XX/XX/XXXX and requested my coverage of that particular item, and they also informed me that it was paid in full. And I sent the documents to all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I filed a complaint with your office several weeks ago for the second time this is the third complaint on the same problem. last complaint file # XXXX they promised to once again activate my venture card if I send them personal information which I have done now 17 different times. read the last response they sent to you, that you sent back to me. it says to fax them over a copy of both sides of my driver license, social security card, and a utility bill for past 60 days. I did all of this via XXXX XXXX XXXX  company on XX/XX/2020 at XXXX e.s.t.and got a fax return confirmation from XXXX.the letter said my card would be activated up to 7-10 buisness days. well today is 10 buisness days and my card once again is not activated. I been telling you that they keep taking my personal information and not activating the card. WHAT IS GOING ON!!!! I DEMAND THIS BE INVESTIGATED.

Company response to consumer: Closed with explanation