vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-30 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: KY

Complaint narrative:
This company is reporting a Collection account on my report, that does not have the correct status, not correct history. They claim that I called into their offices to claim the debt as mine, which is wholly incorrect, and I demand to see proof. I also asked for proof of the debt that they claimed that I owed to be sent to me, via disputing with the credit bureaus. They ignored my request, and nothing has ever been sent. 

My account with the utility company has been paid in full, directly to the utility company, and is currently in good standing. This collection company has no dealing with me, no contract, and no promise to pay. I have never had a contract with them, and they have no right to report incomplete account information on my report. 

I am now requesting that they send me a complete and detailed report of their claimed right to report negative information to the credit bureaus about me. 


Fair Debt Collection Practices Act, 15 USC 1692g If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

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 2020-01-30 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: KY

Complaint narrative:
This company is reporting a Collection account on my report, that does not have the correct status, not correct history. They claim that I called into their offices to claim the debt as mine, which is wholly incorrect, and I demand to see proof. I also asked for proof of the debt that they claimed that I owed to be sent to me, via disputing with the credit bureaus. They ignored my request, and nothing has ever been sent. 

My account with the utility company has been paid in full, directly to the utility company, and is currently in good standing. This collection company has no dealing with me, no contract, and no promise to pay. I have never had a contract with them, and they have no right to report incomplete account information on my report. 

I am now requesting that they send me a complete and detailed report of their claimed right to report negative information to the credit bureaus about me. 


Fair Debt Collection Practices Act, 15 USC 1692g If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

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 2020-01-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Improved Data Services LLC
State: NY

Complaint narrative:
I am receiving calls which are even calling me at my job asking to speak with my supervisor and tell him that I steal money from him, I felt threatened by XXXX XXXX who calls me from the number XXXX on behalf https : //improveddataservicesllc.com/ he says that I have a legal problem and that I go to jail if I do not pay him, I would like to be sent proof that I made a loan to this company, I am afraid they are trying to make me lose my job.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: FL

Complaint narrative:
I was sent a XXXX XXXX prepaid card that I did not request. My last name was wrong on the card as well ( it was my formerly-married name that was changed in 2011 ). There are a lot of fees associated with the card, and could really mess someone up if they didn't read the paperwork. This offer is very 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 2020-01-30 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: Windham Professionals, Inc.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB : XXXX XXXX is reporting ( IN ERROR ) a delinquent account ( Automobile Policy Number XXXX ) that was FLAT RATE CANCELLED when they DISHONORED THE POLICY. XXXX owes me {$3200.00}. They attempted to NON-RENEW MY CONTRACTED AUTOMOBILE POLICY CAUSING ME MUCH ANGST. They were reported to Georgia Office of Insurance and Fire Safety, and a hearing DEMANDED PURSUANT TO O.C.G.A 33-2-17, b2. I HAVE BEEN GRAVELY AGGRIEVED. 

Now, they have given a debt ( I DO NOT OWE ) containing MY PRIVATE AND CONFIDENTIAL INFORMATION TO POOR XXXX XXXX DEBT COLLECTORS WHO ARE HARRASSING, ANNOYING, AND STALKING ME. Windham debt collectors for XXXX have been advised to CEASE AND DESIST AND XXXX  DEMANDED TO PAY FLAT RATE CANCELLATION IN THE AMOUNT OF {$3200.00}. The Georgia Office of Insurance and Fire Safety DEMANDED TO GRANT HEARING BEFORE COMMISSIONER, XXXX XXXX XXXX, PURSUANT TO O.C.G.A 33-2-17, b2 Sincerely and Respectfully, XXXX XXXX MD Phone : XXXX Email : 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 non-monetary relief
Consumer complaint received 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Again Im having problems with my identity since XX/XX/XXXX. Your company has been awesome. I actually feel heard and you respond or get the company to respond. Thank you. I tried to get my XXXX after I found an error with XXXX. Id be overjoyed if they actually agreed I am ME but for years of identity theft caused by my ex husband my name is Mudd So since I couldnt get my report online they said I could get it by mail so I sent for it on XX/XX/XXXX from XXXX XXXX have not gotten a response have not gotten my credit report. According to what I read in the FTC they had 15 days from receipt to mail to me. It is now XX/XX/XXXX and NOTHING. Cant get it online or mail. I really am trying to undo all the damage my ex has done and these companies make it so hard I almost want to give up. 
I wanted my credit report from all three companies and Requested that Online through XXXX XXXX XXXX XXXX but all three rejected me. Its a lot of work being me. Thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Again Im having problems with my identity since 2014. Your company has been awesome. I actually feel heard and you respond or get the company to respond. Thank you. I tried to get my XXXX  after I found an error with XXXX. Id be overjoyed if they actually agreed I am ME but for years of identity theft caused by my XXXX XXXX my name is XXXX So since I couldnt get my report online they said I could get it by mail so I sent for it on XXXX XXXX from XXXX XXXX have not gotten a response have not gotten my credit report. According to what I read in the FTC they had 15 days from receipt to mail to me. It is now XXXX XXXX and NOTHING. Cant get it online or mail. I really am trying to undo all the damage my XXXX  has done and these companies make it so hard I almost want to give up. 
I wanted my credit report from all three companies and Requested that Online through XXXX XXXX XXXX   XXXX but all three rejected me. Its a lot of work being me. Thank you. 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 non-monetary relief
Consumer complaint received 2020-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: KS

Complaint narrative:
I have been unable to log into the online portal where I make my loan payments for 2 months now with PHH Mortgage. I have downloaded XXXX and updated my XXXX XXXX as they suggest and still cant get in. This is a common issue and there are blogs all over the web with other customer who are having the same issue and gettin delinquency notices. I will be 3 months behind at the beginning of XXXX. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX ( XXXX ) reported this month to Transunion that my account balance increased by {$3700.00}. 

THIS ACCOUNT IS CLOSED. THERE'S NO AVAILABLE LINE OF CREDIT LEFT FOR MY BALANCE TO HAVE INCREASED. UNLESS XXXX  ILLEGALLY ADDED A BALANCE TO MY ACCOUNT!

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 2020-01-30 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 — Investigation took more than 30 days
Company: Synovus Bank
State: CA

Complaint narrative:
I had sent over dispute and credit validation letters to all three credit bureaus and directly to each companys address. On the date of XXXX XXXX to all three credit bureaus. I didnt not get any credit validation, I just got basically my credit report from each just stating its remaining on my credit with out verification or proof! I then sent dispute and credit validation letters on XXXX XXXX and on XXXX XXXX to all three credit bureaus and main reporting companies on the account and got the same results no proof of validation or verification! I just got back basically my credit report and for the credit validation I never got any reply from any of the reporting companies!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: MoneyLion Inc.
State: MO

Complaint narrative:
Ok I got a XXXX XXXX XXXX from money lion XXXX XXXX XXXX XXXX  and for the first few months it went great but then they had a glitch in there system that made it impossible to transfer money into my money lion checking acount I called and they informed me that they knew about it and would be resolved within a few days they took payment out of my buisness acount for that month and then the following month they still had not repaired the transfers into checking accounts preventing me from transferring the money into the proper acount well this kept going on month after month until I finally just told them to take the money out of my investment acount to pay the loan back and in all this time they were still charging me a membership fee that I told them I would not pay if I couldnt use the perks of the membership then they reported that to my credit report and reporting that my payment was XXXX dollars when it reall was not it was XXXX dollars a month for XXXX  months and I was making more then that payment every month usually twice the loan payment because I was trying to build my credit in the end I have got it taking care of but now they tell me it my responsible to have it removed from my credit report and i disputed it with XXXX  and they found it to. Be a valid claim even though if you actuall look at my filebuoubcan clearly see what in saying is fact

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
My student loans are current and in good standing according to the National Student Loan Data System by the Federal Student Aid which is an Office of the U.S. Department of Education. I have sent several rebuttals to the U.S Dept of Education and I have also done credit disputes about the U.S. Dept of Education still showing on my credit report, when all my student loans are with NELNET and are in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: NV

Complaint narrative:
THIS COMPANY IS XXXX  AND XXXX!!! ... .I HAVE JUST RECENTLY TRIED TO GET INFORMATION ABOUT WHAT I " ACTUALLY '' OWE SO I CAN PAY. I CALLED EVERGREEN XXXX LOCATED IN XXXX WASHINGTON ON XX/XX/2019 AND SPOKE TO A REPRESENTATIVE AND TOLD THEM I WANT TO PAY WHAT I OWE BUT I WOULD LIKE A " FULL '' PRINT OUT/COPY " FROM THE HOSPITAL '' OF ALL THE SERVICES THEY SAY I RECEIVED WITH AN AMOUNT BREAK DOWN!! AND GAVE THEM MY ADDRESS TO FORWARD THE DOCUMENTS/BILL TO. I HAVE NEVER RECEIVED ANYTHING!!! I'VE BEEN WAITING OVER A MONTH NOW! YET SOME HOW THEY RENEWED THE AMOUNTS " THEY '' SAY I OWE ON MY CREDIT REPORT!! THIS IS AGAINST THE LAW!! THEY CANT KEEP ADDING IT EVERY MONTH SO MANY TIMES!! THEY KEEP DOING THIS! THEY MUS STOP!! OR I WILL TAKE THEM TO COURT THIS TIME FOR HARASSMENT!!! THIS COMPANY IS AWARE THAT THEY ARE DOING ILLEGAL ACTIVITY BY CONTINUALLY PUTTING THIS ON MY CREST REPORT AND STATING THAT IT IT NEW!! IT IS NOT!!!! EVERGREEN XXXX IS CONSTANTLY VIOLATING THE FDPCA ACT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Received bill XX/XX/XXXX - Paid bill thru online bank XX/XX/XXXX - Chk cleared bank XX/XX/XXXX. 
Recd XXXX letters on XX/XX/XXXX stating they did not have enough info to post to acct money placed in their unapplied payments account. Form wanted acct # /name/addr/city-state=zip. On XX/XX/XXXX called Cstmr Svc and talked with XXXX people last was a Suprvsr who said she would forward info to correct dept and check on XXXX to be sure it had been handled. Since XX/XX/XXXX multiple emails have been sent back and forth with the last on XX/XX/XXXX stating they were still working to resolve this dispute. Bank has XXXX  as primary so chk was issued under her name ( sans my last name ) addr/cty/st/zip same as what is on their acct. Pointed out imprinted info matched their acct except name but, thru emails they have all info pertinent to applying {$300.00} from unapplied payment account to my account. To date they have been unable to rectify the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Complete Credit Solutions, Inc.
State: OH

Complaint narrative:
Complete credit solution is the collection agency the original creditor is XXXX XXXX. I took the loan out for XXXX dollars and complete credit solutions is reporting that I owe over 2000 dollars. My second complaint Is that I took the loan out XXXX  years ago so the reporting on that was inaccurate also.

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 2020-01-30 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: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON MY XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2020-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: MO

Complaint narrative:
Cardmember Service is reporting inaccurate on my credit report. It still report as a Charge-Off when the debt on the account was settled in prompt of deletion off my credit report. I dont know how you people determine accuracy when it's a false item on my report & effects me & my family. It doesn't effect CFPB nor Elan. I called the Cardmember Service on XX/XX/XXXX I spoke with a representative who said I owed a balance of {$150.00} but, no further payment was needed & they was going to delete the tradeline. I settled the account back on XX/XX/XXXX of {$350.00} why do I still owe {$150.00}? Negatively reporting as a Charge Off to my report.

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 2020-01-30 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: VA

Complaint narrative:
On XX/XX/XXXX at XXXX, I called Citi DoubleCash customer service at XXXX to dispute a charge of {$60.00} from a merchant, " XXXX XXXX '', dated XX/XX/XXXX. ( I disputed the charge because I had cancelled my membership with XXXX XXXX ( according to their cancellation rules ) on XX/XX/XXXX, but they still billed me even though I received no products or services from them. When I called XXXX XXXX on XX/XX/XXXX, " XXXX '' told me they would issue a {$60.00} credit back to my DoubleCash MasterCard within 3-5 business days. ) I was connected to a Citi DoubleCash person named XXXX with a very thick ( XXXX? ) accent who I could barely understand. He asked me the same questions repeatedly, such as, " What was the date of the charge '', " What was the amount of the charge '', the name of the merchant, the last 4 numbers of the credit card, my address, etc. He also repeatedly put me on hold to find information. After about 22 minutes, he told me he could not dispute the charge. I then asked to speak to a supervisor. I then spoke to XXXX, a customer service supervisor who also kept putting me on hold to talk to the Disputes Dept. I asked him why he did not transfer me to the Disputes Dept. He could not answer, but transferred me to XXXX in Disputes, who said she would issue a permanent {$60.00} credit within two business days. I thus spent 44 minutes to resolve my dispute, even though I stressed that I needed to get up very early the next morning, and when I should have immediately been transferred to the Disputes Dept. at the start of the conversation.

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 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BB&T CORPORATION
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB : XXXX XXXX is reporting ( IN ERROR ) a delinquent account ( Automobile Policy Number XXXX ) that was FLAT RATE CANCELLED when they DISHONORED THE POLICY. XXXX owes me {$3200.00}. They attempted to NON-RENEW MY CONTRACTED AUTOMOBILE POLICY CAUSING ME MUCH ANGST. They were reported to Georgia Office of Insurance and Fire Safety, and a hearing DEMANDED PURSUANT TO O.C.G.A 33-2-17, b2. I HAVE BEEN GRAVELY AGGRIEVED. 

Now, they have given a debt ( I DO NOT OWE ) containing MY PRIVATE AND CONFIDENTIAL INFORMATION TO XXXX  XXXX XXXX DEBT COLLECTORS WHO ARE HARRASSING, ANNOYING, AND STALKING ME. XXXX debt collectors for XXXX  have been advised to CEASE AND DESIST AND XXXX  DEMANDED TO PAY FLAT RATE CANCELLATION IN THE AMOUNT OF {$3200.00}. The Georgia Office of Insurance and Fire Safety DEMANDED TO GRANT HEARING BEFORE COMMISSIONER, XXXX XXXX XXXX, PURSUANT TO O.C.G.A 33-2-17, b2 Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : 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 2020-01-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BlueChip Financial
State: OH

Complaint narrative:
XXXX XXXX XXXX is the collection agency the original creditor is spot loans. I took the loan out for XXXX dollars and XXXX  XXXX XXXX is reporting that I owe over 2000 dollars. My second complaint Is that I took the loan out 6 years ago so the reporting on that was inaccurate also.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation