vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC
State: OH

Complaint narrative:
The original debt of {$250.00} was through XXXX XXXX, which sent it to XXXX XXXX XXXX 's collection agency, I then paid it to them XX/XX/XXXX. Therefore the account was paid in full. 

Now, this collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX M-F XXXX CST Customer Support ( XXXX ) XXXX Has recently reported this account as delinquent to the credit bureau which causing my credit score to decrease by 32 points. I am in the process of trying to buy my home. 
I have contacted them by phone on XX/XX/XXXX, after noticing the change in my credit report. Also by e-mail on XX/XX/XXXX. XXXX, I sent them a copy of my receipt too. However, on XX/XX/XXXX, the collection agency flagged the account in the credit bureaus. Also, they started the account was open in XX/XX/XXXX. Which is false information being reported too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I applied for a loan with Quicken Loans and based on the 3-major credit agencies I have a score reported over 650. To refinance you need a min score of XXXX. Quicken loans came back with a reported score of XXXX, which is suspect as how could they come back with a score of almost 50 points lower than my highest score of XXXX. If they the result was based on my DTI or income I could understand, but I feel they are using a score model that is not favorable to minorities or individuals that choose not to disclose their race or ethinc background.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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:
Experian continues to show my XXXX HELOC as an OPEN account even though it has been closed since 2016. Both XXXX and XXXX report it as closed in XX/XX/2016 as evidenced by my credit reports included with this complaint. XXXX shows this account on p. 10 of 37, and XXXX lists this account on pp. 97-100 of 163. Attached is a screenshot of me logged in online to the XXXX account where they show it closed. The Experian Credit Report shows this account on p. 11 of 49 as open. I have disputed it twice with Experian and each time they conclude it is open, even speaking to a " manager '' doesn't help. It's hard to believe that XXXX is providing conflicting information to Experian. Please note that an account DOES NOT need to have a zero balance to be considered closed, as is the case here. If you look at my credit report, you will see a number of accounts IN GOOD STANDING that have a closed status, balance due, and ongoing payments. That is the case with the XXXX acccount too. The HARM to myself and other consumers is that Experian shows this as an open revolving account. In addition to being closed, fundamentally it is NO LONGER a revolving account, since the loan is in the repayment period. As I make interest and PRINCIPAL payments, reducing my principal balance, I am NOT PERMITTED to borrow. A true revolving account is a line of credit ( secured such as a HELOC or unsecured such as a credit card ) where payment of outstanding principal replenishes credit available for future borrowing. ( I'm sure you understand that, but for emphasis as to what's wrong, I just wanted to state that fact in my case. ) First and foremost, it should be treated by Experian as CLOSED, not grouped with revolving accounts which distorts my credit utilization. At best, it should be listed as a closed installment loan by definition since I am making monthly payments until the balance is XXXX, like the closed lines of credit from XXXX also found on my report. Reporting HELOC 's where the Draw Period has closed as a REVOLVING account is an inaccuracy that GREATLY DAMAGES consumer credit scores, lowering scores by inflating credit utilization. Thank you in advance for your investigation of this. For background, I've been a financial planner for over two decades and I'm familiar with credit and good credit ; Experian shows my FICO 8 score today as XXXX. I'm sure it would be above 740 where the XXXX loan to be treated as closed, since credit utilization is not harmed by closed accounts.

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 2021-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
I received a notice of a civil action lawsuit from our constable today for {$820.00} + fees of XXXX. I wasn't even sure what this was for, apparently it was for target. i didn't even remember this debt. I contacted the company listed, Weltman , Weinberg & Reis Co. , L.P.A . I was told that they sent me 2 letters and 1 call. When I said I didn't get any letter I was told they were sent 1 in XX/XX/2020 and 1 in XX/XX/2020. So 2 letters were sent in 2020 over 13 months ago and the next step is a lawsuit? next step is a lawsuit after shutting down from a pandemic? I dont even remember seeing these. This is a disgusting practice. I spoke with their attorney, XXXX XXXX XXXX ( ( XXXX XXXX XXXX ) ), who very confidently informed me that letters were sent. I am assuming that the company halted civil action lawsuits for a period during the pandemic, but then just file a lawsuit with no new notice??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
I was living in XXXX XXXX XXXX and they keep changing management and they was stealing rent payments and they kept switching up so when they finally settle with one management group and they found alot of people payments that they misplaced and this XXXX was not supposed to be my balanced because i paid on time and we never went to court because they was wrong and i would like this deleted from my account immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: ME

Complaint narrative:
The account number provided was not the correct number to use to register the account online.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-14 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: PA

Complaint narrative:
I have filed numerous disputes with each credit bureau asking them to remove inaccurate information none of them have done so. Each bureau is reporting something different on my credit report which is grounds for removal of those accounts

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 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello I'm XXXX XXXX submitting this complaint reference to XXXX XXXX XXXX. I've tried over and over to dispute inaccurate information. I have proof from XXXX XXXX regarding the unhealthy living environment me and my family was in. In addition to this I will be filling a complaint with the state about this situation.

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 2021-04-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
As of XX/XX/2020, I have sent monthly  letters to AMEX asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that AMEX to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have tried several times to disputing an account on my credit report with a company called XXXX XXXX. The company reported to my credit report when it should've never been reported. I paid my bill to XXXX XXXX XXXX, XXXX. The physician 's office posted my payment to someone else account in error but fixed it and notified XXXX XXXX that, in fact, I didn't owe anything, and my account was sent to them in error. I've also had a hard time with the collection agency removing this from my credit report until I informed them that I filed a complaint with cfpb against them. I received a letter from XXXX XXXX that they have already requested from all 3 credit bureaus to expunge from my credit report, yet Equifax refuses to update my credit report. I sent Equifax the letter advising them of proof, and they still have yet to update my credit report to have this company removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: CHECK INTO CASH INC.
State: MI

Complaint narrative:
on XX/XX/XXXX I was contacted by a company identifying as " XXXX pre-legal department ''. I was informed that my case was being forwarded to XXXX County Court in Michigan and that I was to be served with papers for a criminal violation stemming from a payday loan from Check into Cash. The charges could lead to jail time if I did not comply to repay {$2300.00}. The original loan was taken out in XXXX for {$600.00} but they claimed that fees were added. I asked for a validation of debt letter to be sent to my residence at that time. Latter that day I noticed they sent an email with an invoice that was created that day, I also noticed that there was no mailing address and nothing documenting the the various charges, just the amount due. I researched online and found nothing ligament about this company, only clams that they are scammers. I decided to ignore them. 

Since then every other month or so I would receive voicemails from various numbers on my cell phone and my work phone making the same claims and the same threats. I also received a message from my HR manager at work when she was informed that the police were on the way to arrest me over this matter. 

On XXXX XXXX I received a call from XXXX, the caller did not provide his name but informed that this would be in his office for just one day and I needed to call immediately to resolve the matter before it went to court. This was the same voice that has been on all messages that I have received. 

On XX/XX/XXXX I found out that they have also been contacting my sister and my mom informing both that I was to be arrested taken to court and that I would be charged with felony fraud and sent to jail for at least 6 months unless I paid them immediately, Understandably they were both very upset and called me right away Before he called them he also called me that day on both my phones as well that day, I did not answer. 
And once again today XX/XX/XXXX the same guy called me again with the same threats and stating that I would also loose my job after my XXXX XXXX. Both these times the phone number was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received a catalog for XXXX and XXXX on XX/XX/XXXX. I ordered some items and paid it off on XX/XX/XXXX. There was no hard inquiry. My credit score  went down and I am in the process of cleaning up my credit report. 
Opening a new account can temporarily lower your score because it adds a hard inquiry to your report and lowers your average age of credit history. 

Please remove the XXXX account also. It is paid in full.

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 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received a catalog for XXXX and XXXX on XX/XX/XXXX. I ordered some items and paid it off on XX/XX/2021 There was no hard inquiry. My credit score went down and I am in the process of cleaning up my credit report. 
Opening a new account can temporarily lower your score because it adds a hard inquiry to your report and lowers your average age of credit history. 

Please remove the XXXX account also. It is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Earm LLC
State: WI

Complaint narrative:
XX/XX/XXXX21 and again today XX/XX/XXXX they have called my phone consistently back to back. They state i owe something from my bank account but it doesnt sound legit and if i had an issue with my bank account they would send me something so i dont get it and refuse to get scammed. they are calling me from XXXX they say call XXXX which has been listed a company fraudulently calling people playing as a debt collector. they say ask for XXXX XXXX on the message

Company response to consumer: Untimely response
Consumer complaint received 2021-04-14 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: SC

Complaint narrative:
I called Equifax to have my inquiries removed immediately because i am a victim of their inquiry issue and i also never authorized these inquiries. I called several times and they refused to remove these 7 inquiries off my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX was ( XXXX XXXX XXXX XXXX ) balance of {$89.00}. I called XXXX XXXX XXXX XXXXXXXX they said they dont use XXXX XXXX they use XX/XX/XXXX. The debt was paid in full thru XXXX XXXX on XX/XX/20. I am requesting this to be removed from my credit immidiately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IN

Complaint narrative:
Chime Closed My Account XXXX XXXX, 2021 due to too much funds in my account / unemployment money. I been contacting them to returning my funds since XX/XX/XXXX. Everytime I call chime customer service hangs up on me. I trying to get my {$2700.00} back. I have been sending them the information chime needed to return my funds and they still have not returned my funds. Today is XX/XX/XXXX ,2021 and I still do not have my money. Im late on bills because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: SC

Complaint narrative:
i have called trans union SEVERAL times trying to get these derogatory marks off of my credit. ALL 15 of these derogatory are NOT mine, this is incorrect information on my credit report. i need these marks removed IMMEDIATLEY

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 2021-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
While at the XXXX I was presented with a program called, " care credit, '' the process was done while under duress of tooth pain. 
the representative did not clarify how the account was managed, nor did they disclose the rate amount. They did disclose if the amount was not fully paid by a certain date, rate would increase, though ; the rate amount of the increase was not disclosed. 

Covid impacted my income shortly after the account was opened and I was not able to pay off the total amount by the date of increased rate and due to the incredible rate increase ( which was not disclosed ) I find myself paying an extreme amount of interest. 

The customer service rep that I recently spoke with did not take time to verify my identity prior to disclosing information and spoke to me as though I was in collections. 

This company is a predictor lender and I need assistance.

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 2021-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
As of XX/XX/2020, I have sent monthly letters to CITI BANK asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that CITI BANK to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: NY

Complaint narrative:
This is some medical bill that in not owed and would be covered by my medical insurance which has never lapsed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation