vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Credit report shows two different social security number under my report in personal information section. I disputed different social security number shows up in my report but credit reporting company said they can not remove it because that information is coming from the lender. And because it is XXXX digit different they were thinking some of lender 's operator made a simple mistake during their input process so considered it as minor, but It is not minor problem to me. I am an XXXX military XXXX and during my background investigation they found XXXX different social security numbers and the government is considering me as some type of cheater or dishonest personnel and possibly losing my career with this silly mistake someone made.

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 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Happy Friday, I checked my credit recently and I still see XXXX on my credit. I have disputed this information as fraudulent I have also submitted the information for XXXX, XXXX AND TRANSUNION to verify this information ... They have not sent me correct information that is verifiable. I 've complained filed disputes its still listed.

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 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
On XX/XX/XXXX, I pulled a copy of my credit report from TransUnion. There was an account for XXXX contained therein. On XX/XX/XXXX, I wrote to TransUnion disputing said alleged account and asked for validation. 

TransUnion failed to respond to said dispute within the 30 day time frame. 

On XX/XX/XXXX, I again wrote to TransUnion requesting them to immediately delete said item since they did not respond to my XX/XX/XXXX letter in a timely manner. 

To date, XX/XX/XXXX, the alleged account has never been validated nor has TransUnion marked my credit report as being " disputed '' ; although, TransUnion continues to report said item.

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 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I have disputed a collection, which appears on my report with XXXX XXXX, on XX/XX/2017 and again on XX/XX/2017. The date shown on the credit report is the date XXXX acquired the account through a third party, not the original delinquency date with the creditor. The original charged off account has been removed from my credit report, confirming well over seven years since the original delinquency date. The date the collection agency acquired the account has NO AFFECT on the amount of time this should be reported and remain on my record ; '' the collection account will still be removed at the same time the original account is removed. '' XXXX Collection and Charge Off Information. BUT, XXXX XXXX continues to report on this account every month using their acquisition date, and they refuse to remove the account, although with help from CFPB, they will no longer contact me regarding this out dated collection. Unfortunately, the dispute with Trans Union has offered no adequate resolution ; they only added " consumer disputes this account '' and has not removed it from my report even though they have the original delinquency and charge off date in their records.

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 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is reporting a bankruptcy that was discharged and I disputed, they stated they verified the bankruptcy thru XXXX which Not did they provided False information and is a violation of the Fair Credit Act I have enclosed a letter from the courts they Do Not Verify Bankruptcy I want this deleted 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 explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hi there! 
this complaint is against capital one, who has repeatedly keep misusing my personal information, my address.everytime when i login to capital one my account my address always been reported wrong XXXX, NY XXXX, Which is wrong, i contacted capitalone XXXX to resolve the issue.After changing my password so many time, i am still experiencing the same problem. My address is XXXX, NYXXXXXXXX, That 's the only address i would like to have on file. The address XXXX, ny XXXX never been my address and never been a physical address. This address could be a result of identity theft.I have tried to resolve the issue with capitalone unfortunately they could n't help me. I never missed a payment. Should be a fair treatment to all of us, equal opportunity. 
my first name is XXXX, my last name is XXXX I am XXXX years old i reside at XXXX, NY XXXX .My email address is XXXX. My cell number is XXXX, this complaint was filed by my husband XXXX, on my request. For future correspondence feel free to contact my husband at XXXX and email XXXX .we both lived at the same address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bay Area Receivables, Inc
State: MD

Complaint narrative:
the collection agency [ bay area recievables ] are trying to collect a debt that would have been paid by the VA XXXX XXXX, had they paid attention to my instructions to not bill XXXX, but to bill the VA XXXX XXXX, theVA paid all of my medical bill 's from all providers, but the bill in dispute was not paid in full, XXXX paid all but XXXX dollars of the bill, had they billed the VA they would have been paid in full, i am a 100 % XXXX vet and my XXXX is taken care of by the VA, there fore I would like to have this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I previously disputed a creditor that was listed on my Experian report XXXX amount {$2500.00} acct # XXXX The Item was not removed it up updated. I also sent the same letter to XXXX and the creditor was removed. Attached is a report from XXXX stating that their investigation was complete and the Item was removed.

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 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I lived in the same apartment from XX/XX/XXXX to XX/XX/XXXX. It was called the XXXX from XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX it was purchased by another company. All of my rent payments were made on time, and I owed nothing to the XXXX. 
In XX/XX/XXXX, I discovered that a collection agency ( XXXX ) had put on my credit reports that I owed the XXXX {$6600.00}. 
The company that took over the XXXX, known as XXXX ( XXXX ), attempted to double-bill me for rent on XXXX occasions ( in XX/XX/XXXX - XX/XX/XXXX ). Each time I presented a cancelled check, and was told " there must have been a mistake. '' [ Side note : dozens of other tenants at the apartment complex also complained of being double-billed. ] XXXX ledger, which I asked be provided to me, shows my rent payment being credited to another tenant on XXXX occasion. On XXXX other occasions the ledger shows my rent paid on time, yet being charged up to {$250.00} in late fees per month, of which I was never informed ( this over the period of more than a year ). 
I have never been informed that I owed money - late fees or otherwise - or I would have approached the property management and have it straightened out immediately.

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 2017-04-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Account was closed by bank they wo n't release funds for at least 60 days. I understand they do n't have to business with me\ can close account but want my funds returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I mailed a letter to Experian, in which I disputed various inquiries. This letter was sent on XXXX/XXXX/17 and I have yet to receive a letter from to address this issue. I contacted Experian on today, XXXX/XXXX/17 and spoke with XXXX as well as XXXX who advised they do n't investigate inquries as they are matter of fact. I explained to them both that according to the FCRA, any item on the credit report can be disputed, it does n't given an exception of INQUIRIES, being among any items that are off limits. I feel that they have failed to investigate the items and it has been well beyond 30 days and it is only fair that they remove the items that are listed on my dispute/request.

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 2017-02-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Law Office of J.A. Cambece
State: MA

Complaint narrative:
This company which employees some of the worst people in the state of Massachusetts is breaking the law daily. There employees hide behind fake names and the owner hides under his desk and is never available. They scam, lie, commit fraud and use the courts as a game without properly notifying people in order to obtain default judgements. I 've been in contact with the States Attorney General 's office about this company and they are aware of the activities of this company. This occurred to me unfortunately due to a divorce. I had a XXXX card at one time many years ago. The XXXX company and I negotiated a debt cancellation many years ago and settled the amount of the debt for {$1100.00} which was taken care of and I received a XXXX form from them. This Cambece " collection agency '' somehow has this old debt from an equally bad company called ( XXXX ) pronounced ( XXXX ). This isn '' t a joke the other collection agency they represent is called XXXX. They have been harassing me for years and obtaining judgements without my knowledge and now its for XXXX Extremely laughable and criminal.. I 've also filed for bankruptcy as well which makes this even worse for the Cambece " collection agency ''. In the meantime they have harassed my work and are now looking to garnish my wages which will never, ever happen! I am police officer and this has threatened my employment and standing in the court which I work out of. Since they have been playing games with the same court I work out of. If this company thinks they can steal my money they are in for a rude awakening. I have no money and what I make does n't even feed my family. I could n't spare {$1.00} and the court would easily see this and is the reason for the bankruptcy filing to begin with.. My income to living expense ration is negative. I will be pursuing a law suit against this company unless this civil lawsuit is dismissed and vacated immediately. If I should lose my employment due to this companies and XXXX actions, a lawsuit will be forthcoming which will be huge. A copy of this complaint is being sent to my XXXX XXXX in XXXX, MA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
Quality Loan Service Corporation - unlawful foreclosure auction of Consumer XXXX home - subject to FEDERAL CRIME! Please see attached COMPLAINT. -- NO LENDER named on alleged Notice of Default and Notice of trustee sale NOW results to THREE ENTITIES claiming ownership of Consumer 's home - simultaneously. Exhibits will be faxed shortly. 

Thank you for upholding Consumer Protection Laws as you investigate Quality 's deceitful and fraudulent practice of stealing people 's homes for its undue enrichment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Internal Check Systems, LLC
State: IL

Complaint narrative:
A gentleman by the name of XXXX XXXX is calling me, my wife, my parents, my wife 's parent, and my friends and telling them I have a court judgement against me and that he was sending a law official over to issue a citation for arrest. He calls non-stop and provides this information. I called the courts and they do not have a number that he keeps giving and they do not have any record of him. Please help. I have kept a recording of what he says on my phone. 

XXXX XXXX # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: AZ

Complaint narrative:
I pay this debt on XX/XX/2015 to a different collector company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Worldwide Recovery LLC
State: WA

Complaint narrative:
This guy keep calling me and were I work asking them to set a time that I can talk to them. I have ask fo info out them and info about to debt and never send me info

Company response to consumer: Untimely response
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Bronstein & Weiss Arbitration
State: FL

Complaint narrative:
A woman from what she stated as XXXX XXXX XXXX has been calling multiple family members, some of which are in-laws saying I am in litigation and they are issuing an affidavit. I do n't know of any loans and none of the family members would be on my financials for a legitimate debt collector to even be abiding by the Fair Credit Act. The voice mails are vague, do n't leave case info, docket info, or any other info other than a phone number. This has been constant and distressing to me and my extended family.

Company response to consumer: Untimely response
Consumer complaint received 2016-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Kingston Financial, LLC
State: VA

Complaint narrative:
In XX/XX/XXXX or XX/XX/XXXX I had a XXXX XXXX XXXX Account ( Not sure if it was credit or checking honestly ) that was charged up by an ex. That debt was paid off in XX/XX/XXXX. Today, XXXX/XXXX/XXXX, I got a call about that debt of XXXX something dollars from XXXX XXXX XXXX who claimed to be representing Pyramid Acquisitions. This is probably the 40th call I 've received from somebody claiming to own that debt even though I paid it 12 years ago. The harassment over a paid off debt has gotten to the point that I can expect someone else claiming to own it to come up every 6 months or so. I 'm constantly having to dispute it on my credit reports, which is a pain in the rear. I ca n't keep doing this, I ca n't keep having to re-provide the same information over and over again. I do not know where " Pyramid Acquisitions '' got this phony debt.. .nor do I know how XXXX XXXX Solutions of XXXX , South Carolina got it, but someone needs to put an end to these kind of practices. Trying to collect on a debt that has been paid and reporting it to credit bureaus way past the statute of limitations should be illegal. I 'm sure it probably is, but it is n't stopping these companies from acting on it.

Company response to consumer: Untimely response
Consumer complaint received 2016-04-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: MFP, inc.
State: FL

Complaint narrative:
I have requested validation several times and nothing received. Please help

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
Paypal froze my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MRC : XXXX called me and stated they would garnish my paycheck for a debt I owed from XX/XX/2007. I called them back and said I would be willing to pay for a lower amount. They declined and said they would contact my human resources department. Not sure if they are but now I 'm worried.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: KY

Complaint narrative:
Transworld Systems Inc sent me a debt collections bill in the amount of {$64.00}. I do not owe this alleged debt. I have called Transworld Systems Inc, and they have used abusive and hostile communication tactics. In addition, the Transworld Systems customer service representatives have repeatedly hung up on me multiple times when I have called them. Transworld Systems Inc has repeatedly violated the Fair Debt Collections Practices Act with their repeated abusive and hostile debt collections tactics towards me. I do not owe this alleged debt nor do I want any further communication from Transworld Systems Inc as they have repeatedly violated the Fair Debt Collections Practices Act with their abusive and hostile debt collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Convergys
State: GA

Complaint narrative:
I have asked numerous times not to be contacted by Encore and that they only communicate with me via US Mail. The company is contacting me several times a day via a Robo dialer. When I answer the phone they often hang up on you. The calls are originating from a call center in XXXX. I keep being told they will no longer contact me on my company cell phone but they still do. The debt collector often states they are on a recorded line but will not identify themselves until they try and verify all the personal information. I told them they were not authorized to contact this number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Auto Properties II, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX bought a contract from Hampton Roads Finance Company LLC, that the original Creditor Hampton Roads Finance Company LLC had Written Off Profit and Loss with a {$0.00} balance. Hampton Roads Finance Company LLC only reported accurately to XXXX. Both XXXX and XXXX report the account CLOSED/DEROGATORY with a balance but no Closed Date. Originally, the account was Open XXXX XXXX and Closed XXXX XXXX, the vehicle was repossessed around XXXX XXXX and sold at an Auction. The reason that this Debt is not mine is because the original Creditor Hampton Roads Finance Company LLC only reported accurately to XXXX that the Account was CLOSED/DEROGATORY Written Off Profit and Loss with a {$0.00} balance. Also, the Original Creditor Hampton Roads Finance Company LLC shutdown as of XXXX XXXX. How can Hampton Roads Finance Company LLC continue to report fraudulent account activity to XXXX and XXXX. Also, Hampton Roads Finance Company LLC can not report to XXXX because the Account Open and Closed Dates will be Unlawful and Unfair and they would have to commit forgery of my Signatory as well as Generate a Contract. I 've hired XXXX XXXX, Although they can not represent me, they were able to Challenge both the Creditor and XXXX and remove Negative Items. Hampton Roads Finance Company LLC was Removed from my XXXX Credit Report on XX/XX/XXXX with a Balance of {$0.00}.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
Santander has charged me XXXX every month to pay my truck loan with my debit card for 2 years and 6 months. Now they are indicating that it is only XXXX. I want the difference between XXXX and XXXX for 30 payments put on the principle of my loan.

Company response to consumer: Closed with explanation