vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Protection Association, L.P.
State: OH

Complaint narrative:
My complaint is with XXXX XXXX. I was not sent a dunning notice prior to my account being sent to a collection agency. In 2017 I resided in Florida and fell victim to the hurricanes so my income became depleted but I did attempt to pay down the balance of {$260.00} by making a few payments, however XXXX sent my account to Credit Protection Association for collection. I no longer reside in Florida and am trying very hard to strengthen my credit. I have sent a letter to the collection agency requesting a pay in full for deletion to which I have received no response. I also sent a letter to the President 's office at XXXX asking them to accept payment in full for taking it back from collection. Once again no response! 
I intend on paying this in full in XXXX if either party will agree to delete this from all three cra 's. I do not intend to just neglect this matter but feel I had the right under FDCPA to receive the dunning notice from XXXX before sending it to collection. I could have made a payment arrangement had I received notice.

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 2019-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted the companies when I found out and they said I have to go thru the insurance company to get it 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 explanation
Consumer complaint received 2019-02-20 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: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I contacted the companies when I found out and they said I have to go thru the insurance company to get it 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 2019-02-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: 2288984 Ontario Inc.
State: OH

Complaint narrative:
The company XXXX contacted my sister around XXXX on XX/XX/2019. The representative was very rude with her and said she better have her ( me ) contact us or were going to SUE. I called the number back numerous time just trying to find out what company it actually was. He left a voicemail that didnt state what company he was calling from. When I called back, it just kept going to his voicemail. I finally got a live person and I asked for a supervisor. I was put on hold and after around 4 minutes, the lady tried to locate my account but couldnt find me. Finally she found me and didnt verify she was speaking to me and didnt ask for the last four of my social security number. She stated the last four of your social is XXXX. I explained to her this is not aloud and she was very nice but she still didnt get the proper personal information before discussing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: FL

Complaint narrative:
Equifax and XXXX are reporting me as 120 days past due on the XXXX XXXX XXXX and XXXX - partial account number : XXXX. These accounts have a {$0.00} balance and {$0.00} past due. This is harming my score. I have disputed this directly with the two bureaus but the coding has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
Professional Finance Company is a collection agency. They contacted my employer with a writ of garnishment. I contacted them prior to the garnishment starting on XX/XX/XXXX and paid them a settlement amount of {$760.00} to stop the garnishment of {$930.00} even though I still have no clue why my previous employer is garnishing my wages at my new employer I paid them to just make them stop. I confirmed on the phone with them that the payment I was making would close my account, pay the balance in full and stop the garnishment. They said yes and stated the would fax a release of garnishment to my employer. The following week XXXX $ was garnished from my check. I contacted my employer on XX/XX/XXXX who stated they had never received a release of garnishment. I contacted PFC on XX/XX/XXXX as well, they stated they would yet again the account was fully paid and they would fax a release of garnishment and that I could come pick up the wages from my check that were garnished when they received it. On XX/XX/XXXX my employer called me to tell me that they still hadn't received a release of garnishment and if they didn't receive one by XX/XX/XXXX another portion of my check would be taken and sent to PFC. I got off the phone with them and called PFC who is now stating they have already faxed the release of garnishment and will not send another even though my employer never received it and now they are stating that I owe them an additional XXXX $ for something that was never included in the payment I made on XX/XX/XXXX when I paid my balance in full. Now due to the payment I made in full of XXXX and the XXXX they have taken a total of XXXX which is over the amount stated by the courts that I owed them ( XXXX ) and they are refusing to fax a release of garnishment or anything stating that I paid them so they can continue to garnish even more of my wages.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Credit Bureau has not adjusted my account with XXXX XXXX as paid and current and there is no balance

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 2019-02-20 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
This is concerning Experian Credit reporting. I have sent them letters as my attorney did and they refuse to correct my credit history/report. 
XXXX XXXX XXXX is breaking PA law : Pennsylvania Motor Vehicle Financial Responsibility Law, 75 PA C.S. 1797 ( b ) ( 7 ). and refuse to remove this fraudulent reporting by this company.

XXXX  was a stolen gas card.Purchases were made in CA and I reside in PA. XXXX  called me to inform me of the fraud and told me they would close the card as they did and I agreed. XXXX  & Experian refuse to remove from my credit history after they been shown the information as FRAUD

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 2019-02-20 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: DE

Complaint narrative:
This is concerning XXXX  Credit reporting. I have sent them letters as my attorney did and they refuse to correct my credit history/report.

XXXX XXXX XXXX is breaking PA law : Pennsylvania Motor Vehicle Financial Responsibility Law, 75 PA C.S. 1797 ( b ) ( 7 ). and refuse to remove this fraudulent reporting by this company.

XXXX/XXXX  was a stolen gas card.Purchases were made in CA and I reside in PA. XXXX  called me to inform me of the fraud and told me they would close the card as they did and I agreed. XXXX  & XXXX refuse to remove from my credit history after they been shown the information as FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Can not get thru to the bluebird American Express company phone lines. They are holding my money hostage! And they have not returned {$57.00} back to me. After I called them repeatedly time and time again all i get is nothing they have a long waiting list and I will have to called back later. But i can leave my phone number and my name and they will get back to me but they never do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: FL

Complaint narrative:
XXXX and Transunion are reporting me as 120 days past due on the XXXX XXXX XXXX and XXXX - partial account number : XXXX. These accounts have a {$0.00} balance and {$0.00} past due. This is harming my score. I have disputed this directly with the two bureaus but the coding has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

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 2019-02-20 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: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
XXXX and XXXX are reporting me as 120 days past due on the PHH Mortgage Svc and XXXX - partial account number : XXXX. These accounts have a {$0.00} balance and {$0.00} past due. This is harming my score. I have disputed this directly with the two bureaus but the coding has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian reports FICO score to XXXX XXXX which allows me access to it. My credit rating throughout the last year was steady at about XXXX ( see attachment ), then in XX/XX/XXXX, inexplicably, my score tumbled to XXXX. Shocked by the rapid decline, and knowing there were no triggering events, on or about XX/XX/19, I reviewed my credit reports from XXXX, XXXX, and Experian. All were stellar -- no defaults, all bills paid on time, all closed accounts were left in good standing. I called Experian, XXXX XXXX 's supplier, to complain, and they threw it back on the bank, which in turn blamed Experian.

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 2019-02-20 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:
Credit Bureau has not adjusted my account with XXXX XXXX as paid and current and there is no balance

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 2019-02-20 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: PA

Complaint narrative:
Credit Bureau has not adjusted my account with XXXX XXXX as paid and current and there is no balance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: NC

Complaint narrative:
I sent identical investigation requests to Equifax, XXXX, and XXXX XXXX back on XX/XX/XXXX. The results should have been returned to me by XX/XX/XXXX. I received the investigation results from XXXX  in a timely manner, but I still haven't received anything from Equifax or XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent identical investigation requests to XXXX, XXXX, and Trans Union back on XX/XX/XXXX. The results should have been returned to me by XX/XX/XXXX. I received the investigation results from XXXX  in a timely manner, but I still haven't received anything from XXXX or Trans Union.

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 2019-02-20 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: TX

Complaint narrative:
Equifax is reporting 120 days past due on XXXX partial account number XXXX that has a {$0.00} balance and {$0.00} past due amount. This incorrect reporting is hurting my credit score. It is impossible to be 120 days late on an account that has a {$0.00} balance and {$0.00} past due amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Debt Reduction Services, LLC
State: KY

Complaint narrative:
I have been trying to resolve a payoff balance and speaking to employee XXXX ( last name refused ) at XXXX. Last communication XXXX/XXXX/19, XXXX with no response. On Wed XX/XX//19 he and I agreed on a payoff balance of {$5300.00} and he would send a written agreement to confirm. After not re ceiving the agreement I called back and spoke to XXXX ( last name refused ) on XXXX/XXXX/19 XXXX XXXX in Customer Service Dept. she informed me XXXX misinformed me because an additional fee to payoff my balance would be {$2500.00} in addition to the {$5300.00} I have pending payments of {$500.00} + {$2100.00} which will add to my current payment {$2600.00} = {$5300.00}, I was suggestive to personal insults by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services
State: NY

Complaint narrative:
ACS Educational services was in charge of my loan repayments. However the loan is now in default- I never received a letter or email stating why or how it got to that stage and where the payments went or how they were applied to my account. I am in dire need of who I need to speak with to rectify the matter. But since my loans were consolidated I am lost on where to start. And I am upset this company played around with providing services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX IS STILL REPORTING THE ERRONEOUS COLLECITON ON MY CREDIT REPORT. THIS WAS PAID TO XXXX DIRECTLY WHO IN TURN STATED WOULD REMOVE THIS FROM MY CREDIT REPORT HOWEVER, IT IS STILL REPORTING AS OPEN, UNRESOLVED AND AMOUNT DUE NOT TO MENTION THE HARASSING CALLS FROM THIS COLLECTOR FOR THE AMOUNT THAT IS NOT OWED IN FIRST PLACE .... PLEASE HELP

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX reports FICO score to Wells Fargo which allows me access to it. My credit rating throughout the last year was steady at about 825 ( see attachment ), then in XXXX, inexplicably, my score tumbled to XXXX. Shocked by the rapid decline, and knowing there were no triggering events, on or about XX/XX/19, I reviewed my credit reports from XXXX, XXXX, and XXXX. All were stellar -- no defaults, all bills paid on time, all closed accounts were left in good standing. I called XXXX, Wells Fargo 's supplier, to complain, and they threw it back on the bank, which in turn blamed 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 2019-02-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX IS STILL REPORTING THE ERRONEOUS COLLECITON ON MY CREDIT REPORT. THIS WAS PAID TO XXXX DIRECTLY WHO IN TURN STATED WOULD REMOVE THIS FROM MY CREDIT REPORT HOWEVER, IT IS STILL REPORTING AS OPEN, UNRESOLVED AND AMOUNT DUE NOT TO MENTION THE HARASSING CALLS FROM THIS COLLECTOR FOR THE AMOUNT THAT IS NOT OWED IN FIRST PLACE .... PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX IS STILL REPORTING THE ERRONEOUS COLLECITON ON MY CREDIT REPORT. THIS WAS PAID TO XXXX DIRECTLY WHO IN TURN STATED WOULD REMOVE THIS FROM MY CREDIT REPORT HOWEVER, IT IS STILL REPORTING AS OPEN, UNRESOLVED AND AMOUNT DUE NOT TO MENTION THE HARASSING CALLS FROM THIS COLLECTOR FOR THE AMOUNT THAT IS NOT OWED IN FIRST PLACE .... PLEASE HELP

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 2019-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One has repeatedly ignored my pleas for help regarding 2 Capital One accounts opened in XX/XX/2015 fraudulently. I was a victim of Identity Theft in XX/XX/2015. Capital One was notified of this matter numerous times and simply ignored the fact of my circumstances and continued to report these cards as belonging to me. One card has a balance of XXXX opened on XX/XX/2015 and another card has a balance of XXXX opened on XX/XX/2015. A individual was identified as committing the identity theft with those accounts but Capital One did nothing to pursue the theft but refuse to help and continue reporting these accounts as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: MD

Complaint narrative:
IQ International is trying to collect a debt that is the wrong amount. I have disputed this matter and I dint get any satisfaction. I have provided them with cancelled checks that i paid a security deposit to XXXX apartments that was not deducted from the amount they have on my credit report. I also disputed this with all the credit agencies and only one agency sided with me and erased the debt. My credit report shows that i owe XXXX, that is incorrect. They sent me an invoice that does not deduct my security deposit. I got turned down for a homebuying loan today due to this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation