vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-27 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 account was paid in full and never late. The account shows up on my credit report as paid in full, but is showing a negative result. I disputed this with the company and the credit reporting agencies, but the error was fixed to no avail. The account shows paid in full as agreed to the terms of our contract, but it is showing negative. The account should show paid in full and never late.         Account name   XXXX   XXXX   XXXX   Status Paid, Closed.   Date opened   XXXX /2014 Details Pa yment never late Additional information Account was paid in full and closed. The account should not reflect any negative balance or negative credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: CA

Complaint narrative:
The account was paid in full and never late. The account shows up on my credit report as paid in full, but is showing a negative result. I disputed this with the company and the credit reporting agencies, but the error was fixed to no avail. The account shows paid in full as agreed to the terms of our contract, but it is showing negative. The account should show paid in full and never late.         Account name   XXXX   XXXX   XXXX   Status Paid, Closed.   Date  opened  XXXX /2014 Details P ayment never late Additional information Account was paid in full and closed. The account should not reflect any negative balance or negative credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27 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: MI

Complaint narrative:
If you take a look at my credit report you will see open accounts i never had like   XXXX     XXXX   XXXX ,  XXXX ,   XXXX   XXXX   in   XXXX   and other inquiries from other states i never been to i dont understand why my credit score dropped so much because of false inquiries thats not even mine i believe someone stole my identity and i swear to you those accounts are not mine please take some time to review my report and call me to my mobile phone if you need any information regarding my case please and thank you i really want my credit score back up and good  XXXX  yours sincerely  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I disputed  XXXX  accounts with  XXXX   XXXX  with the  XXXX  major credit reporting agencies. The results of the dispute was that the accounts from  XXXX   XXXX  were removed  XXXX  file number  XXXX ,  XXXX  #  XXXX  and  XXXX  #  XXXX . The  XXXX   XXXX  accounts were removed. However, beginning in   XXXX  2017    a new company calle d LVNV FUNDING, LLC b egan collections on the removed accounts. The accounts were already removed by  XXXX   XXXX  and should not be reflected by a different company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
Have been calling me numerous times on both and cell wo n't leave a message at all I have reached out to them via email telling them to send me documents pertaining to anything they said call us I said no I do n't trust no one to many scams even gave the address of my house not sure if it for me or someone else at this point call  4-5 tim es a day both cell and house

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27 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: TX

Complaint narrative:
I 've tried disputing a couple of fraudulent accounts on my credit report, and th e Bureau has taken some of it off but only the collection things. I 've sent letters to the collection   agencies and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include.  Feel like after six months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken  off my credit report bc it is not mine. Thank you I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened. Police said too much time passed. I did file though as requested by the credit bureaus. They still ignore us. I hope that this credit bureau gets fined or punished somehow.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a follow up related to CFPB complaint  XXXX . On  XX/XX/XXXX , I filed a dispute with TransUnion to remove an illegal tradeline on my credit report. I provided written evidence from the credit or ( information furnisher )  stating that the account can not be validated. The creditor is unable to verify the information and therefore continued reporting of it is a violation of FCRA statut e 623. Ho wever, they are refusing to remove the information claiming tribal sovereign immunity in an attempt to hold my credit re port hostage and ext ort money from me. I included a copy of this letter from the creditor in my dispute with TransUnion. Less than 48 hours later, TransUnion closed my dispute stating that they verified the account and therefore refused to remove it. This is absolutely not possible as evidenced by the attached letter from the creditor stating they themselves can not verify the account. In response, I opened  XXXX  with the CFPB.     TransUnion responded to the CFPB complaint again stating " We have reviewed your complaint along with the information you previously provided regarding this issue. On  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX , we initiated an investigation into the accuracy of  XXXX   XXXX   XXXX . In response to the investigations, the disputed information was verified or updated accordingly ''. This statement was followed by a parroting of the incorrect and unverifiable information from my TransUnion report. Please review the attached letter from   XXXX   XXXX   XXXX    . It clearly states that they are unable to verify the account in question. How is it possible that TransUnion claims they verified it? Also, by their own admission in this statement, they allege verifying this account on  XXXX  in response to the complaint, however the complaint was n't even opened until nearly a week later. They clearly did not perform any investigation from the CFPB complaint.     TransUnion is in violation of the FCRA in that they are purporting to perform investigations and verifications that they are clearly not doing. Further, they are knowingly and willingly continuing to report negative information that has been proven unverifiable.     According to the Fair Credit Reporting Act, information that can not be verified must be removed from credit reporting. TransUnion is in willful non-compliance with this law. I am again asking for CFPBs help in enforcing the FCRA and having TransUnion remove this illegal and unverifiable tradeline from my credit 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 2017-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Santander  Bank frequently placed " fraud locks '' on my credit card account whenever I made purchases. I frequently had to call in to confirm the transactions. It was very frustrating because it happened often. To be clear, I am the sole user of this card and never had any disputes with the charges on my account. I also never used this card outside my home city.     Sometime in  XXXX    XXXX  ,  Santander Ban k put a " fraud lock '' on my account. This fraud lock was different because I could not resolve it over the phone. They demanded that I physically step inside the branch to resolve the issues on my account.     This is the issue with that request  : Santander Ban k does not operate any physical branches outside th e Northeast Region. I  live in  Chicago. I opened the account online in Chicago, I only ever used the card in Chicago, and I continue to live in Chicago a t this time.     On  XXXX   XXXX ,   XXXX  , I called in to request that my account be closed. The bank continues to refuse any service on my account due to the fraud lock. Again, they demand that I show up in branch.      Santander Bank open ly solicits their products and services to all states, that 's how I was able to obtain an account in the first place. I believe it 's outrageous for a company to expect their customers to travel outside their home state in order to address the issues on their account. I do not like that my account is being he  ld hostage on account of my residency in Illinois.
I have no immediate plans to visit any of the states that fall within Santander 's small footprint. Even if I did, I believe this is an issue that should be addressed by the bank at the policy level.       I will never conduct business with them again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
Afni, Inc is  attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  or   XXXX    ) this acti on might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit rep orts. Afni, Inc are  in violation : the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — I do not know
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: Oakridge Direct Solutions Inc.
State: CA

Complaint narrative:
Call from " Unknown Caller '', but tells me to call  XXXX , for more information., demanding I produce  2 forms of ID and be prepared to sign court documents that will be served between 1-3 tomo rrow. Served at my address, work or husbands address.   Does not say for what, who or why. Person Identifies as  XXXX   XXXX .   Calls me 3 times in a row, after I hang up. Can not block call, as it is from " Unknown Caller

Company response to consumer: Untimely response
Consumer complaint received 2017-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank has been  rearranging my transactions in order to garner the maximum number of overdraft fees. In the course of  XXXX   XXXX  -  XXXX   XXXX ,   XXXX  , I had  one ov erdraft occur with several pending debits for credit card payments that had previously been applied. I had  my two credi t cards withdraw on the same day for convenience. Early in the day  XXXX   XXXX  debite d my Citibank acco unt successfully. Later Capital One did so which resulted in an overdraft, which was my fault. Howev er Citibank then d eclined both payments to  XXXX   XXXX  and  XXXX   XXXX  and charged me an overdraft fee of {$34.00} for ea ch one, initiall y totaling {$68.00}. However  XXXX   XXXX  continued to retry the payment every  two days for a total of three ti mes, resulting in a n Citibank overd raft fee for each retry for a total of {$100.00}. I am disputing the {$100.00} in fees due to the returned  XXXX   XXXX  payments becau se Citibank declin ed the initial payment after it went through. I am not disputing the {$34.00} fee due to the  XXXX   XXXX  overdraft because that was my fault.     On  XXXX   XXXX ,   XXXX  ,  Citibank again ch arged an overdraft fee of {$34.00} after arranging purchases. I paid my phone bill on  XXXX   XXXX , and made a purchase on the  XXXX . Instead of declining the purchase, because I had signed up for overdraft protectio n, Citibank did  not post the phone payment until after the purchase on the  XXXX , then charged the overdraft fee.     These wer  e two separate instances in which Citibank manipulated my account in two different shady ways in order to extract overdraft fees totaling {$170.00} in approximately two weeks, {$130.00} of which I am contesting. These fees have only originated because Citibank created disorder in the way my charges were processed in order to charge fees.
I went to Citibank to discuss the charges. The representative listened to my complaint and began typing in   her computer. I thought she was documenting my case, but then she simply handed me a slip stating my account had been closed, so now I am contacting the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On  XXXX  I had credit report pulled and noticed several inquires that was not made or do I have any knowledge about. Called Experian and advised of matter and fraud alert was place on my report. Have made several attempts with experian to get inquires remove with no success, so I then begin calling creditors to ask if they can remove, but they stated they did n't have record of me applying for credit. Called experian and told them what was told to me but they still want remove saying inquires are factual.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: PNC Bank N.A.
State: CA

Complaint narrative:
We obtained an Equity Line of Credit in  XXXX / XXXX / XXXX  from National City  Bank (  now  PNC ) secured as a 2nd  XXXX  by our personal residence. We made all payments on time f or 10 years. At the end of the 10 years (  XXXX / XXXX / XXXX  ) the draw period ended and the loan was converted to a 20 year repayment period.     PNC is reporting this loan as a " Revolving Credit Card Debt '' loan to the Credit Reporting Agencies.     We refinanced ou r 1st mortgage which closed   XXXX / XXXX / XXXX . The  1st  mortgage now reports as closed and the new 1st mortgage holder has not yet reported to the Credit Bureaus.     In  XXXX   XXXX  when monitoring our credit we observed o ur credit score h ad lowered over  XXXX  points. We contacted PNC and asked them to report the loan as a 20 year term loan secured by real estate since that is what it now is.     They refuse to change their reporting to the  Credit Reporting Agencies without any explanation.      We then mailed (  XXXX   XXXX ,  XXXX  ) the original note and subordination agreement for  the county records to the Credit Bureaus who contacted PNC and still no  change.     Please help us with this reporting. We have always paid the bill on time, even through the recession, which they are reporting to the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I disputed  four  accounts wit h Capital One  with the  3  major credit reporting agencies. The results of the dispute was that the accounts from  Capital One w ere removed  XXXX  file number  XXXX ,   XXXX   #  XXXX  and  XXXX  #  XXXX . The  Capital One  accounts were removed. However, beginning in   XXXX   XXXX     a new company called  XXXX   XXXX ,  XXXX  began collections on the removed accounts. The accounts were already removed by  Capital One  and should not be reflected by a different company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: TX

Complaint narrative:
Transunion   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  listed my credit report adverse for  XXXX   XXXX   XXXX   XXXX   #   XXXX    XXXX  (   XXXX   XXXX     XXXX   XXXX  WA  XXXX   , (   XXXX  )  XXXX  )   XXXX   XXXX   XXXX   my account was settled. Transunion received copy for settlement letter about that time. As the debt was settled the adverse account could be removed from the report. I have applied for credit with   XXXX   XXXX    XXXX  and  XXXX   XXXX  after  XXXX   XXXX ,  XXXX  they reported my  credit score   XXXX , no adverse accounts score are  XXXX . The act is unlawful. Fax for above mention will follow.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CREDIT ACCEPTANCE CORPORATION
State: VT

Complaint narrative:
On  XXXX   XXXX ,  XXXX  I purchased a car from  XXXX   XXXX   XXXX   XXXX   XXXX    in  XXXX , VT.   Said car was financed thr ough Credit Acceptance Corp. out of    XXXX , MI.   My finance contract had the purchase price minus my down payment, but also included fees for the extended warranty and for th e GAP Protection.      On  XXXX   XXXX ,  XXXX  I re-financed my car through my local credit union and a check for the payoff amount was sent t o Credit Acceptance Corp.      That GAP protection was issued by  XXXX   XXXX   XXXX   XXXX    and I was told by them that the protection was cancelled and there would be a partial refund issued. I then spoke with a customer service agent  at Credit Acceptance an d was flat out told that there would be no refund issued to me on this.     My contract has me paying for the car, the financing, the warranty AND the GAP!   My refinance took care of the pay-off. So I should be entitled to that partial GAP refund because I 'm the one who paid for it.      Credit Acceptance Corp., is re fusing, actually they are just telling me that there will be no refund issued to me for the GAP period, end of story, sorry! BS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: TX

Complaint narrative:
I 've tried disputing a couple of fraudulent accounts on my credit report, an d the Bure  au has taken some of it off but only the collection things. I 've sent letters to the collection agencies and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. Thank you I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened. Police said too m uch time passed. I did file though as requested by the credit bureaus. They still ignore us. I hope that this credit bureau gets fined or punished somehow.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Management Services, LP
State: NV

Complaint narrative:
A debt collector contacted a relative of mine. They left a voicemail calling for me stating that they were a debt collector and this was an attempt to collect a debt. The number they called in registered in someone else 's name and obviously not my number. They disclosed information to an unauthorized third party.

Company response to consumer: Closed with explanation