vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
This collection is from XXXX. I originally canceled my phone account with them when I switched over to XXXX XXXX XXXX back in XX/XX/XXXX. I thought everything was good to go, but a few months later, I noticed reoccurring charges coming from XXXX, even though I was no longer using their service. I canceled my card so they would stop charging my card and I went into a XXXX store, talked to an employee and they told me that I had to call the customer service number because she could not help me in store. I called the customer service number, was waiting on hold, and on the phone with XXXX Customer Service for multiple hours. After explaining to them what was happening, I kept getting transferred to different people in different departments, and finally I asked if it was possible for them to use the charges from what they've charged me to pay off the phone that was on a lease. She said that she would look into it and have them call me back within 72 hours to tell me if that was possible, but a refund would be issued and my account would be canceled. They could see on their end that I hadn't used my phone accounts with them since XXXX so there should be no charges at all minus the payment of what the rest of the phone would be on the lease, which was still less than they were charging me, so I should have gotten money back. I didn't hear back from XXXX, so I assumed that it was taken care of and my account was canceled. This was back in XX/XX/XXXX. Since then, I have moved to a new address, and did not know they were still charging my account because I was no longer with the company. I recently ( today XX/XX/XXXX ) tried applying for a credit card since my score was a XXXX on XXXX XXXX, and showed 0 hard inquiries and 0 collections. It said my approval odds for the XXXX XXXX XXXX credit card were very good, so I applied and got denied. After this, I immediately called the reconsideration hotline to explain why I wanted the card and that I have great credit and I didn't understand why I didn't get approved. After looking at my full credit report, the agent said that I had a {$610.00} collection, and this was the reason I got denied for the credit card. When she told me this, I had NO idea that I had a collection because I have not received any calls from collection agencies nor any mail delivered to my home showing my collection amount. I had no idea where this collection came from. I made an account with XXXX  today, and I was able to see that the collection came from XXXX which is not what I owe. If anything, they owe me money for billing extra months.

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 2020-07-10 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: PlusFour, Inc
State: IL

Complaint narrative:
Plus Four is fraudulently and knowingly sending false information to XXXX, I have called them numerous times and they acknowledge it is not me but say there is nothing they can do to correct there error because there is someone in a different state with a different date of birth different Social Security number who owes them money. I have pleaded with them to go after the person who owes them money and leave me alone but they refuse. 

Plus Four has also been dishonest and try to say that perhaps i have a relative with a similar name, this is not true.

This is one of three collection agencies who have this problem with my stolen information. The other 2 were very quick to realize there error and immediately correct it, write me a letter as well as do a bulls eye not to remove the false information from my record. You continue to refuse. Please please do the right thing and correct what you know is wrong and do a bullseye to remove it. Thank you in advance XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

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 2020-07-10 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: AZ

Complaint narrative:
I have made several attempts with Equifax to accurately report my XXXX  XXXX. of XXXX XXXX. I am in the process of purchasing a home and it is of the utmost importance that my credit report is accurate. I have found it to be very difficult to get my account investigated and updated on my Equifax credit report. The latest attempts occurred on XX/XX/2020. I requested to have my balance and payment history updated as my account was showing a balance of {$4900.00}. The actual balance of my account as of XX/XX/2020 was {$0.00} when Equifax notified me the account was verified. I have included an attachment of my payment history which shows this account had a {$0.00} balance. 

I notified Equifax again via Certified Letter on XX/XX/2020 that my account is reporting inaccurate information and I wanted to give them a second opportunity to correct it before filing a complaint. On XX/XX/2020, the balance has been finally corrected. However, the account is still reporting the following information inaccurately : - Payment History - Last Payment Date - Date of Last Activity - Highest Balance - Shows Collection Account which is very inaccurate - Account Number It should not have taken this much effort to have my account updated. I ask that you please file a complaint against this company for their unfair practices. Inaccurate information could not only cause me to be denied for a mortgage, but could also result in a higher rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

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 2020-07-10 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 have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: CA

Complaint narrative:
I contacted XXXX XXXX to explain to them that I have never opened an account with them. And as a matter of fact I was XXXX when the account was fraudulently opened. I told them this and asked for them to remove their reporting from all 3 credit bureaus that they are reporting to. It has been over 30 days and they have yet to remove their fraudulent charge from my report. They are affecting my ability to get a good finance rate on a car loan. I am requesting they remove this fraudulent charge immediately. Thank you.

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 2020-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Hello, I was charged for XXXX for 2 XXXX plane tickets returning from XXXX to XXXX on XX/XX/2020. Due to XXXX XXXX, my plane flight was cancelled, despite me already being in the country. XXXX promised they would book me on another flight home, but unfortunately this never happened & I purchased a new flight home with another airline. 

XXXX told me they would credit this charge, however I have not seen any such credit. I dispute the charge with my credit card provider, Citi Banks, but they rejected the dispute. They rejected this dispute because XXXX showed them a flight manifest from a flight weeks prior as proof that I had boarded the flight. I pointed out to Citi Banks representatives that this was not the flight in question. I also forwarded documentation showing the flight in question was cancelled by XXXX, the merchant. 

On top of this, I purchased trip insurance for XXXX USD which should cover all of this. No luck there either. 

To me, this is a clear case of a merchant being unable to provide the services I paid for. For Citi Banks to accept a flight manifest for a flight that does not even match up with the disputed charge shows some level of incompetency or inefficiency with their dispute process. And for XXXX, to provide this incorrect documentation to Citi bank is just very disingenuous and shady.

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 2020-07-10 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: IL

Complaint narrative:
XXXX XXXX is fraudulently and knowingly sending false information to Equifax, I have called them numerous times and they acknowledge it is not me but say there is nothing they can do to correct there error because there is someone in a different state with a different date of birth different Social Security number who owes them money. I have pleaded with them to go after the person who owes them money and leave me alone but they refuse. 

XXXX XXXX has also been dishonest and try to say that perhaps i have a relative with a similar name, this is not true. 

This is one of three collection agencies who have this problem with my stolen information. The other 2 were very quick to realize there error and immediately correct it, write me a letter as well as do a XXXX  XXXX   not to remove the false information from my record. You continue to refuse. Please please do the right thing and correct what you know is wrong and do a XXXX  to remove it. Thank you in advance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
This company has repeatedly done different tactics to drastically lower my credit score : First tactic, they continue to delete this debt from my credit and then resubmit it as a new debt. If causes a nine point drop each time they do this. This occurred XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and several other times. 

Second tactic, they continue to add interest to the loan every week. Ive attached proof, please review all the interest from XXXX to XXXX. 
XX/XX/XXXX, for {$8.00}, XX/XX/XXXX, for {$2.00}, another {$2.00} on XX/XX/XXXX, and on XX/XX/XXXX, another {$2.00}, and XX/XX/XXXX, {$1.00}. This totals : {$19.00}. This collector knows each time they add even {$1.00} my credit drops at minimum 4 points. 

Lastly, this debt is for a balance from my old apartments. Its not an eviction debt but an excessive cleaning bill debt that Ive tried reducing but they refused. I was notified by my current landlord that this company contacted them and explained I left a debt with them and theyre concerned I will do the same with this company. My landlord has minimally threatened not renewing my lease based on this phone call. It is unethical and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C.
State: NY

Complaint narrative:
I tried multiple times to fix this problem but theys seems to not care

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX I co-signed for a used car auto loan at XXXX XXXX XXXX and XXXX in XXXX XXXX, OH. The dealer said XXXX XXXX agreed to be the lender and the payments would be {$170.00} beginning XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX to XXXX  the application number is XXXX. They stated we were informed by XXXX XXXX XXXX XXXX XXXX that it was considering the credit sale or lease of a XXXX XXXX XXXX to you and asked whether we would be prepared to accept your obligation if the transaction was completed. 

They went on to say, you ( XXXX XXXX XXXX was the co-applicant and XXXX XXXX was the applicant. We must regretfully inform you that we were not agreeable to handling the proposed transaction Since the letter was addressed to me they were referring they based it their decision whole or in part from the credit reporting agency one being XXXX. I pulled my credit report from XXXX   and below is just some of the very positive credit information. 

Credit score - XXXX - Excellent lines of credit - 6 Credit Utilization - 3  % Credit file has enough history on your use of bank card/credit cards The balances on your account are not too high compared to loan limits You have a few or no accounts that were opened recently The date you opened your oldest account is not too recent. 

However they claimed they obtained my credit score from XXXX and used it in making their decision. How can this be possible? Could this be a possible case of discrimination again a senior citizen? A female? Or are the employees just plain XXXX  at XXXX  and dont know how to read a credit report? 

Then I went to Transunion to obtain the information that have for me. It seems they want to charge me for seeing my information. That seems unfair and perhaps illegal. 

XXXX  referenced XXXX is owned by XXXX so to drum up more business XXXX XXXX borrowers into paying for XXXX XXXX. Sage claims total account balances ( I have 1 ), limited history for my phone ( Ive had the same number for approximately 20 hrs, ), number of inquiries ( there have been only 2 ), length of residence too short ( I have owned this home for 10 years ). I believe XXXX is scamming to get business for XXXX and plan to file a formal complaint against them as well. 

Additionally, I have been customer with XXXX for over a year buying Certificates of Deposit and having a current savings account with a current balance of {$30000.00} which is 5 times the amount of the loan amount. 

Please investigate this matter. 

Respectfully, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: ID Analytics, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I co-signed for a used car auto loan at XXXX XXXX XXXX XXXX  XXXX in XXXX XXXX, OH. The dealer said XXXX XXXX agreed to be the lender and the payments would be {$170.00} beginning XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX to XXXX  the application number is XXXX. They stated we were informed by XXXX XXXX XXXX XXXX XXXX that it was considering the credit sale or lease of a XXXX XXXX XXXX to you and asked whether we would be prepared to accept your obligation if the transaction was completed. 

They went on to say, you ( XXXX XXXX ) was the co-applicant and XXXX XXXX was the applicant. We must regretfully inform you that we were not agreeable to handling the proposed transaction Since the letter was addressed to me they were referring they based it their decision whole or in part from the credit reporting agency one being XXXX. I pulled my credit report from XXXX   and below is just some of the very positive credit information. 

Credit score - XXXX - Excellent lines of credit - 6 Credit Utilization - 3 % Credit file has enough history on your use of bank card/credit cards The balances on your account are not too high compared to loan limits You have a few or no accounts that were opened recently The date you opened your oldest account is not too recent. 

However they claimed they obtained my credit score from XXXX  and used it in making their decision. How can this be possible? Could this be a possible case of discrimination again a senior citizen? A female? Or are the employees just plain XXXX  at XXXX  and dont know how to read a credit report? 

Then I went to XXXX  to obtain the information that have for me. It seems they want to charge me for seeing my information. That seems unfair and perhaps illegal. 

Ally referenced Sagestream is owned by XXXX so to drum up more business Sagestream XXXX borrowers into paying for XXXX XXXX. Sage claims total account balances ( I have 1 ), limited history for my phone ( Ive had the same number for approximately 20 hrs, ), number of inquiries ( there have been only 2 ), length of residence too short ( I have owned this home for 10 years ). I believe Sage is scamming to get business for XXXX and plan to file a formal complaint against them as well. 

Additionally, I have been customer with XXXX for over a year buying Certificates of Deposit and having a current savings account with a current balance of {$30000.00} which is 5 times the amount of the loan amount. 

Please investigate this matter. 

Respectfully, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Turner Acceptance Corp.
State: AZ

Complaint narrative:
XX/XX/2017 a loan was opened in my name. I received no money, goods, or services as a result of This identity theft. The account mention was the total of {$4700.00} dollars that so have no clue of where it came from. This account has caused hardship and ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Hello, On XX/XX/2020 I spoke with a representative that stated that all my loan payments will be consolidated to one and there will not be duplicated accounts on my report showing the same payment. My credit report is showing the same accounts when i've already consolidated my loans in one and they updated my payment schedule. The same account is reporting balances of {$1300.00}, {$2500.00}, {$7500.00}, {$4100.00}.

Company response to consumer: Closed with explanation