vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MI

Complaint narrative:
I have a debt collection reporting on my credit that is not mines. I do not know where this debt came from but it does not match my information. It appears to be related to a utility service account. I have never authorized services through this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
I had negotiated a " Pay for Delete '' with this company FRANKLIN COLLECTION SERVICES, and they not only didn't delete the collection from my credit file, but they continue to report the debt monthly even though it was paid inXX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: MN

Complaint narrative:
Transunion has Failed to get this bankruptcy thats on my report removed they did not verify where the information was furnished. I sent multiple documents they lied and said they received it down the court which is a lie because the courts doesnt report any information as such I have now filed a complaint with the attorney general and the XXXX. If this is not removed in the next 30 days I will be taking legal action against transunion.

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 2019-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I had negotiated a " Pay For Delete '' with this collection agency, DIVERSIFIED CONSULTANTS in XXXX of 2019. 
I paid the debt, and they did not hold up their end of the bargain and delete the debt from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
To Whom It May Concern, The reason for my dispute is RADIUSGLOBAL XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX. failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) RADIUSGLOBAL XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation RADIUSGLOBAL is held liable as well for defamation and in the state of NC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: TX

Complaint narrative:
I have contacted XXXX and Equifax by phone two months in a row to discuss the fact that my credit report has not changed at least since XX/XX/2018. I was told that it automatically change when my creditors report to the bureaus. I was told by XXXX that they'll look into it but there has been no change. I've been dealing with this same issue for months. Although the same things are on my credit report and somethings has dropped off and others has decreased in balance, nothing, absolutely nothing has changed from Equifax or XXXX. If you look at my overall debt XXXX  has me at least {$86.00} more than either credit reporting agency, and this does affect my score. I've disputed some company called XXXX XXXX and XXXX XXXX XXXX  which I've never heard of and XXXX and Equifax refuse to give the papers of validation. They told me that it was valid and I still have yet to receive any documentation of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I purchased an item ; returned the item ; received confirmation that the item was received and I had a refund but the refund never showed or clear out my balance. I've called the company several times and bank that housed the card several times and I can't get anyone to credit the account. I keep receiving bills and the balance is occurring late fees. I am tempted to pay the balance to keep from it showing on my credit report. 

XXXX XXXX - XXXX XXXX  {$37.00} XXXX XX/XX/2018

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-13 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: MN

Complaint narrative:
I check all 3 credit report companies everyday - sometime as many as 3 times per day. I am very aware of my credit scores. 3 times now my score on Equifax has dropped dramatically for absolutely no reason. I checked everything on the reports. This last week XX/XX/XXXX the equifax dropped 42 points. The only thing that changed was several accounts showed lower credit card balances. I checked all parts of the report, accounts, balances, inquirys, payments, lates, nothing changed at all. It was the exact same report as the past few weeks, only change was the equfax score dropped 42 points. When contacting I was told that its just the way it is and nothing can be done to fix the problem. Also the score has always been within a few points of XXXX XXXX. XXXX XXXX is now 40 points higher. Nothing is different and there is no reason the score should drop and they have no reason it was lowered and will not change it back nor do anything more to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
In XXXX of XXXX I decided it was time to repair my credit and buy a house. I had several outstanding credit card collections that needed to be paid off. 
Midland Funding LLC had three of those collections. In order to pay off all my collections I took out a high interest personal loan at the end of XX/XX/XXXX. On XX/XX/XXXX I called every single collection agency on my credit report and paid every one of them with the exception of the one in question. 
On XX/XX/XXXX I paid Midland Funding LLC for 2 of the three collection accounts. 
First one was for {$290.00} and the second was for {$740.00}. 
The 3rd one I couldn't pay, they told me that because it was already entered in a Judgment, they couldn't receive payment. I called every payday from XXXX until the end of XXXX trying to pay this debt and finish my credit repair. Every time I called I was told its still in the legal department and can't make a payment. At this point I was starting to get upset and frustrated with Midland Funding. In early XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX of XXXX County in XXXX Arizona stating the Midland Funding LLC " acknowledges receipt of goods '' and was " a full satisfaction of judgment ''. 
Fast forward to today, XX/XX/XXXX, I am in the middle of a home purchase where escrow closes on XX/XX/XXXX and my lender called me to say Midland Funding is now saying I owe them {$1200.00}. We ( mortgage company and me ) thought that with the letter from the court they would fix this. I argued on the phone with a Midland Funding rep for over an hour. I finally was so upset that I said I would just pay the balance because I need to get this fixed so I can move forward with my home purchase. I was then transferred to XXXX, what they keep calling the legal department at Midland Funding. I explained to the new representative that I just wanted to pay the balance. He looked up my account and then asked " you live in Oregon? '' I said " yes ''. He then proceeds to tell me that he can not accept payment because XXXX is not authorized to collect in Oregon. 
I am making this complaint because it is urgent that this is taken care of or my home purchase could fall through and I already gave my landlord my 30 day notice back on the XXXX of XXXX. I am desperate and have really been trying to pay this for almost a year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My XXXX XXXX University Perkins Loans were transferred to the XXXX   XXXX XXXX XXXX  in XX/XX/XXXX. These loans for these exact amounts : {$1100.00}, {$600.00} and {$300.00} were already on my 3 credit reports from XX/XX/XXXX-XX/XX/XXXX. After they were sold to the XXXX  XXXX  XXXX XXXX, they resubmitted these same loans as NEW debt to my XXXX  and Transunion credit reports. The loans went into default in XX/XX/XXXX! I have not returned to college and these are old loans, still being garnished. 

Per the Fair Credit Reporting Act ( Federal law ) derogatory accounts can only show for 7-years from the date of first delinquency which works out to 7-years and 180-days. My name is XXXX XXXX. XXXX, my SSN # is XXXX. My XXXX   XXXX XXXX XXXX Account # is XXXX. I attended XXXX   XXXX University from XX/XX/XXXX-XX/XX/XXXX. My student loans went into default in XX/XX/XXXX. My paychecks have been garnished from XX/XX/XXXX-present by the XXXX XXXX XXXX XXXX   but that does not make these new accounts. All of the following loan servicers have been on my credit report in the past : XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX University Perkins Loans. All were on my account for 7.5+ years with the last XXXX XXXX falling off in XX/XX/XXXX. I have not attended college since XX/XX/XXXX, so there are no new loans.

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 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My XXXX XXXX University Perkins Loans were transferred to the XXXX XXXX XXXX XXXX in XXXX of XXXX. These loans for these exact amounts : {$1100.00}, {$600.00} and {$300.00} were already on my XXXX credit reports from XXXX. After they were sold to the XXXX XXXX XXXX XXXX, they resubmitted these same loans as NEW debt to my Experian and XXXX credit reports. The loans went into default in XXXX! I have not returned to college and these are old loans, still being garnished. 

Per the Fair Credit Reporting Act ( Federal law ) derogatory accounts can only show for 7-years from the date of first delinquency which works out to 7-years and 180-days. My name is XXXX XXXX XXXX, my SSN # is XXXX. My XXXX XXXX XXXX XXXX Account # is XXXX. I attended XXXX   XXXX University from XXXX. My student loans went into default in XXXX. My paychecks have been garnished from XXXX-present by the XXXX XXXX XXXX XXXX but that does not make these new accounts. All of the following loan servicers have been on my credit report in the past : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX University Perkins Loans. All were on my account for 7.5+ years with the last XXXX XXXX falling off in XXXX. I have not attended college since XXXX, so there are no new loans.

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 2019-03-13 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: AES/PHEAA
State: CA

Complaint narrative:
My federal student loan repayment administrator, XXXX, has been overcharging me for the last three months by adding a charge labeled an " Additional Amount Requested '' ( which I am not requesting ) to the amount my bank account is auto-debited each month. 

Each month, my online XXXX account says my monthly payment is set, and the " additional amount requested '' field is set to {$0.00}. Then I get an email from XXXX that says I will be charged an " additional amount requested, '' bringing the total to be debited to $ 40-50 above my agreed upon direct debit per month. Images attached document this discrepancy for XX/XX/XXXX.

The specific inflated charges are : XX/XX/XXXX : Direct debit Monthly Installment Amount set to {$110.00} ; unauthorized " Additional Amount Requested '' charged : {$53.00} ; total charged on XX/XX/2019 : {$160.00} ( + {$54.00} from direct debit agreement ) XXXX : Direct debit Monthly Installment Amount set to {$110.00} ; unauthorized " Additional Amount Requested '' charged : {$53.00} ; total charged on XX/XX/2019 : {$160.00} ( + {$54.00} from direct debit agreement ) XX/XX/XXXX : Direct debit Monthly Installment Amount set to {$110.00} ; unauthorized " Additional Amount Requested '' to be charged, per email on XX/XX/19 : {$43.00} ; total XXXX said via email was to be charged on XX/XX/2019 : {$150.00} ( + {$44.00} from direct debit agreement ) ( XX/XX/XXXX XX/XX/19 direct debit payment suspended by XXXX phone representative ; one-time payment arranged instead ).

I have emailed and called XXXX to resolve this issue multiple times. In XX/XX/XXXX, I received the response below saying the issue would be fixed ( image attached ). Instead, I was overbilled another {$54.00} in XX/XX/XXXX, and the company did not respond to an email complaint. On XX/XX/XXXX, when I received an email notifying me that I would be overbilled another {$44.00}, I spoke to two customer service representatives by phone who were unable to tell me why I was being overcharged. A representative instead put my direct debit on suspension, meaning I lose the lower .25 % interest rate promised with direct debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In XXXX of 2017 I had my card stolen, and some charges were made. When I contacted XXXX XXXX XXXX to alert them of the charges they told me NOT TO MAKE A PAYMENT since I had a XXXX balance on my card before the fraudulent charges. XXXX XXXX XXXX proceeded to report the card as having been 30, 60, and 90 days past due in XXXX, XXXX and XXXX of 2017. 

In XXXX of 2017 I contacted XXXX XXXX XXXX after the disputed charges had been settle. I asked them to take the incorrect past due reports off my credit file. They agreed that they were mistakenly report and that they would take them off. However, they did not. 

Again in XXXX of 2017 I contacted XXXX XXXXXXXX XXXX for a final time asking them to delete the reports from my credit file. They agreed that they would. Again, they have not.

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 2019-03-13 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: NC

Complaint narrative:
In XX/XX/XXXX I had my card stolen, and some charges were made. When I contacted XXXX  XXXX XXXX  to alert them of the charges they told me NOT TO MAKE A PAYMENT since I had a XXXX balance on my card before the fraudulent charges. XXXX XXXX XXXX  proceeded to report the card as having been 30, 60, and 90 days past due in XXXX, XXXX and XX/XX/XXXX. 

In XX/XX/XXXX I contacted XXXX XXXX XXXX after the disputed charges had been settle. I asked them to take the incorrect past due reports off my credit file. They agreed that they were mistakenly report and that they would take them off. However, they did not. 

Again in XX/XX/XXXX I contacted XXXX XXXX XXXX  for a final time asking them to delete the reports from my credit file. They agreed that they would. Again, they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: NC

Complaint narrative:
In XX/XX/XXXX I had my card stolen, and some charges were made. When I contacted XXXX  XXXX XXXX to alert them of the charges they told me NOT TO MAKE A PAYMENT since I had a XXXX balance on my card before the fraudulent charges. XXXX XXXX XXXX  proceeded to report the card as having been 30, 60, and 90 days past due in XXXX, XXXX and XX/XX/XXXX. 

In XX/XX/XXXX I contacted XXXX XXXX XXXX after the disputed charges had been settle. I asked them to take the incorrect past due reports off my credit file. They agreed that they were mistakenly report and that they would take them off. However, they did not. 

Again in XX/XX/XXXX I contacted XXXX XXXX XXXX for a final time asking them to delete the reports from my credit file. They agreed that they would. Again, they have not.

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 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX refuses to provide the documents that they claim verify the debt. They have conflicting statements regarding communication attempts and can not provide verification of those either. 

They claim the documents and loan originated from an IP address that is not in service anywhere near where I live and work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX refuses to provide the documents that they claim verify the debt. They have conflicting statements regarding communication attempts and can not provide verification of those either. 

They claim the documents and loan originated from an IP address that is not in service anywhere near where I live and work.

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 2019-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
First I was contacted by company XXXX XXXXXXXX XXXX XXXX on the XX/XX/19. 
Ive been told by person from this company that I owe Best Buy money. I told that person that I already paid twice for Best Buy. He contacted the last agency that have received a payment from me. He said that he has a completely different account that he has on file. He offfted me settlement of {$1000.00}. I unfortunately do not remember how much was the original balance. I paid the settlement. Today I received a call from ( XXXX ) XXXX, transcript of the voicemail ; XXXX ________ this is ______ XXXX at attend a ______ in XXXX County contacting you in regards to some legal documentation that does require your signature you will need to make yourself available immediately I am assuming you will be at a place of employment at this time so I will head there first if I can not locate you there I will be going to the home address on file with that being said this is a very time sensitive matter so if you have any questions concerns or you need to reschedule delivery ____ filing party immediately at XXXX and give them case number XXXX I called the XXXX number and provided the case number. After a hike Ive been told by a woman that I have to pay balance with Best Buy or otherwise I will face legal charges. After a lot of holds they offered me a settlement of {$2700.00} and I asked if I could divide payment. I only could pay {$1000.00} today, they told me that I have to pay around {$350.00} and in 30 days the other {$1300.00}.

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 2019-03-13 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: AES/PHEAA
State: FL

Complaint narrative:
XXXX XXXX  sent letter outside the deadline period of the 30 days to providing the promissory notes from XXXX University original signatures. The letter is post dated On XX/XX/XXXX and only provides promissory note from XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewed the response from Equifax and being referred to customer representative XXXX GA,XXXX XXXX Customer representative one would think that you are calling XXXX GA, XXXX given the information you provided after Calling the number you provided the U.S number you provided someone from XXXX answers the the call Made it very hard for me to communicate.I ask that Equifax make aware that this is a customer representative in XXXX .

Company response to consumer: Closed with explanation