vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have tried everything that I know how to do correctly, Still, XXXX, Equifax and XXXX will NOT remove this from my credit report even though I have submitted this information to you 3 times already. Not only that they decided to double the amount to add insult to injury. 
This loan should have been removed 2 years ago it's NOW 11 years later & it's like gum stuck to the bottom of your shoe they seem to want to punish me for the rest of my life cause I lost my job ... ..the Law in NJ under Statue :, New Jersey Statute of Limitations on Debt Collection, SAYS -- - Demand Notes when no demand is made : 10 years. If demand made : 6 years from date of demand, ( 12A : 3-118 ( b ) ). THIS DEMAND IS PAST THE STATUE?? 
( XXXX XXXX XXXX XXXX ) I'M trying to get a better job & place to live but they, ( XXXX  ) ( XXXX ) ( EQUIFAX ) NOR ( XXXX XXXX XXXX XXXX ) ARE ALLOWING ME TO MOVE MY LIFE FORWARD. WHAT DO I NEED TO DO TO HAVE THIS DROPPED FROM MY REPORT. Please help me with this is was Suppose to be Removed ALREADY ... 
Thank YOu for your assistance in this matter without your help, I don't know what to do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I never received ONE bill for the Walmart credit card so how can I pay it if I dont have the information?

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 2018-02-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Is selling my self directed account to XXXX XXXX. I will lose alot of money when they do that because i own 65 partial securities that are currently losing money. XXXX XXXX does not allow partial securities. So i will be forced to take a cash equivalent loss. 
And XXXX does not allow what they refer to as unusual access. So i wont be able to trade when iam overseas. Which is 9 months out of the year. 
Can i force capitaloneinvesting.com to not sell my self directed account? 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 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:
On XX/XX/2017 I mailed off a certified letter to the following credit bureaus. I noticed that it has been past 30 days and nothing has been resolved at this point. I am now sending my second letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that you breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached a letter of the inaccurate information that is listed on my credit file by your company.

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 2018-02-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Immediate Credit Recovery
State: OH

Complaint narrative:
On or around XX/XX/XXXX I received a call from Immediate Credit Recovery advising that they were initiating wage garnishment and recently mailed a letter to my home address ; I advised the agent that I was willing to make voluntary payments to avoid garnishment and ask the agent what address the letter was mailed to as the letter was not received. She confirmed the letter was mailed to my home address, when I ask if she could resend ( so I can understand the letter content and what options, if any are available to me ) she indicated that XXXX had fulfilled their obligation by mailing it and that they are not responsible for USPS. The agent proceeded to collect personal and financial information - after approx. 20 minutes on the call I had to leave, as I was at work. The agent indicated that her office hours were M-F, XXXXEDT ( which are the same as mine ). I request the agent provide her contact information ( XXXX ) and callback at XXXX to finish the call - I did not receive a callback, nor was I able to reach the agent when I attempted to return the call. I have since made multiple attempts between XXXX and XXXX and also leaving voicemails for the agent. If my recollection of my conversation in XX/XX/XXXX is that I have 30 days to take action - I am unable to take action without the letter and if my voicemails have not been returned. I am not disputing the debt however I find it frustrating that I continue to have issues with this agency - in a prior complaint the agent the agent erroneously advised that voluntary payments were not an option, since this complaint ( to my knowledge ) there have been no additional attempts to contact me by phone or in writing. I understand that my loan is defaulted, I am willing to pay however it seems unfair to impose deadlines when I am at the mercy of the agent answering the phone/responding or at the mercy of the USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CITIBANK, N.A.

Complaint narrative:
good day my name is XXXX XXXX i tried to make a demand transfer to my account in my country but the money were taken and i did not receive nothing and i was charge for the transfer fee also tried to contact them by any chance and also the bank XXXX has send before a changing bank and isuees that dont help me with nothing i could not use my card to get money from a atm so i chose to transfer and i dont have now money on either account please get back to me as i have a problem and i need those money asap thank you i did the demand transfer on XX/XX/XXXX and they didnt enter in account even at this hour. Dear XXXX XXXX The following payment has recently been processed. If you did not perform this change or have questions about this communication, please contact Customer Service at XXXX. 

Please note the details below. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Transaction Date : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Sender : XXXX XXXX Recipient : XXXX XXXX Recipient Bank : XXXX XXXX XXXX Recipient Bank Country : XXXX Confirmation Code : XXXX Date of availability : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Transfer Amount : USD XXXX Transfer Fee : USD XXXX Transfer Taxes : USD XXXX Total : USD XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - FX Rate : XXXX USD = XXXX USD Transfer Amount : USD XXXX Other Fees : -USD XXXX Other Taxes : -UNKNOWN Total to Recipient : USD XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - You have a right to dispute errors in your transaction. If you believe there is an error, please contact us within 180 days at ( XXXX ), or log onto XXXX. You can also cancel this transaction for a full refund within 30 minutes of submitting this transaction. For further questions or to log a complaint, please contact the Consumer Financial Protection Bureau at www.consumerfinance.gov or call XXXX, XXXX ( TTY/TDD ) Sincerely, 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 2018-02-01 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: FL

Complaint narrative:
XXXX XX/XX/XXXX Letter Credit Bureau XXXX XX/XX/XXXX I mailed off a certified letter to the following credit bureaus. I noticed that it has been past 90 days now and nothing has been resolved at this point your company continues to report inaccurate information on my credit report. I am now sending my second letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that you breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached a letter of the inaccurate information that is listed on my credit file by your company. The accounts listed on my credit file are reporting inaccurately and theyre listed in the attachment below. You removed some but you didnt remove the following in the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I have a {$250.00} debt collection and never opened an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
On XX/XX/18, I contacted XXXX to settle a past due debt. They informed me that my account was being handled by Diversified Consultants and gave me the number. I immediately called Diversified Consultants. I explained that I wanted to settle the debt of XXXX that is reported in my credit. The representative gave me 2 different amounts, each time putting me on hold as if he was speaking to s supervisor, before we both agreed on an amount of {$500.00} plus change. I asked him to send the settlement to me in email so that I could have it in writing before paying. He told me he didnt have access to email. I then asked him to mail it to me and I would pay it although I wanted to pay that day. He told me they dont do that unless you give them a credit or debit card to put on file first to know that you are serious about paying the debt. I told him that I was not going to give my card number to anyone without confirmed amount so that they could take my money then state that they did not agree to the settlement. He then said thats why they recorded the calls. I again explain that it was not smart for me to do that, I asked fo the letter again, told him I was going to pay that day once the amount was confirmed in writing. He would not budge and began to raise his voice when I asked for a supervisor. Hed told me the supervisor was going to tell me the same thing as he did so I ended the call without a resolution. The next day I received calls and got hung up on twice by a different representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01 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: FL

Complaint narrative:
XXXX XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX I mailed off a certified letter to the following credit bureaus. I noticed that it has been past 90 days now and nothing has been resolved at this point your company continues to report inaccurate information on my credit report. I am now sending my second letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that you breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached a letter of the inaccurate information that is listed on my credit file by your company. The accounts listed on my credit file are reporting inaccurately and theyre listed in the attachment below. You removed some but you didnt remove the following in the attachment.

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 2018-02-01 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: FL

Complaint narrative:
XXXX XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX I mailed off a certified letter to the following credit bureaus. I noticed that it has been past 90 days now and nothing has been resolved at this point your company continues to report inaccurate information on my credit report. I am now sending my second letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that you breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached a letter of the inaccurate information that is listed on my credit file by your company. The accounts listed on my credit file are reporting inaccurately and theyre listed in the attachment below. You removed some but you didnt remove the following in the attachment.

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 2018-02-01 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: Second Round Limited Partnership, Austin, TX Branch
State: FL

Complaint narrative:
On XX/XX/XXXX I contacted Second Round LP in regards to a collection reporting on my XXXX  credit report which I have no idea it was still on there. I was told by the XXXX XXXX agency XXXX XXXX infomed me that this account has been in dispute for over 2 years. He informed me the account was originated XXXX XXXX and XXXX XXXX took over the account which he said the information is reporting wrong address and name. A dispute to this account was on XX/XX/XXXX through XXXX  and did not get a response within 30 days. I m very distress because this account is fraduently reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 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:
Transunion, XXXX and XXXX has not corrected my Credit File to  reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX   Balanced Owed. My Credit ScorXXXX has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed. 

Waiting for a Reply, 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 2018-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: MI

Complaint narrative:
on XX/XX/2018 I got an email telling me that CAPIO PARTNERS LLC. had reported the I had a bill with them. I have never entered into any contract with this company. they have never called me or sent me anything in the mail about this account. they can not give me a copy of any contract that I have signed with them. they refuse to provide information necessary for me to even confirm the debt. yet they try to demand money from me without a signed binding contract between parties. I have also filed an complaint with the BBB complaint # XXXX CAPIO PARTNERS LLC. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NATIONWIDE ACCEPTANCE LLC
State: IL

Complaint narrative:
Every morning I get a call from Nationwide ( the company that i got a loan from ), during business hours when Im at work and I keep repeating to them not to call me at work to resolve the issue and they still repeat the same thing. Also they call me after XXXX as well. Also yesterday they called me in the morning as well as in the afternoon when I told them not to contact me at work. They usually call me multiple times within the same day as well. I recently told the manager of this company to stop calling my cell phone and they didnt listen to me, and still call me. Also when they call me on my personal number, they not only call from their business line but also several different personal numbers.

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 2018-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
i dont have any account balance whit sears card and in XXXX XXXX pages reflects a {$68.00} balance active.

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