vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Complete Credit Solutions, Inc.
State: NJ

Complaint narrative:
XXXX from extension XXXX called on XX/XX/19 to collect on a payment arrangement I have. He called my place of employment after being told I can not receive calls there he called my parents home and let the phone ring for 15 minutes straight multiple times during that day. He also called my cell phone which I gave permission to call however he disguised His number as my employers number so I would pick up during work hours. He also left messages with the same disguised number throughout the day. XXXX is unprofessional and harassing. I have had a good experience with Complete credit solutions inc up to this point. XXXX has always been helpful however XXXX does not represent the company in a good light and should possibly choose another career path.

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 2019-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
THE COMPANY IS AN ENTITY i HAVE REPEATEDLY CONTACTED TO VERIFY CHARGES. THEY CAN NOT PROVIDE ANY DOCUMENTATION BETWEEN MYSELF AND THEIR COMPANY. I NEED THIS REPEATED NEGATIVE MARK OFF MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2018 ) by means of a Credit Repair Organization, Transunion has failed to respond. They have violated the FCRA, it has been more than 30-days.

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 2019-06-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or 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 non-monetary relief
Consumer complaint received 2019-06-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: IN

Complaint narrative:
I have a car payment due on the XXXX of each month. Due to financial hadships last 1-2 years, my payment are typically 2-5 weeks late. This company tells me, that of my XXXX monthly payment, for every day im Late {$5.00} of my payment goes to Interest and not the principle. Also, I just made a payment of XXXX on XX/XX/XXXX, which took care of my XX/XX/XXXX payment. When I made the payment, they asked me again when I could take care of XX/XX/XXXX payment ( which was 13 days late ) I know told them, I could make the paymet on XX/XX/XXXX ( not the next payday, but two weeks after ) they said ok. This was just Friday XX/XX/XXXX, and they have called several times since. I just s/w a rep who didnt indicate her company, i had to ask who she was with. She then stated " can you make a payment today, i see you just made one friday, i see u have it done to pay XX/XX/XXXX '' I  told her, yes, i just made a payment XX/XX/XXXX for XX/XX/XXXX, and i told them i would pay XX/XX/XXXX payment on XX/XX/XXXX. The rep stated " well we need a plan set up '' the PLAN was set up on XX/XX/XXXX when i told her i would pay XX/XX/XXXX. As long as the payment is made before the XX/XX/XXXX of the next months, they can not take the call. She confirmed this, so me setting up the XX/XX/XXXX should be fine, but she kept stating " you need to set  something up '' I have made payments the past XXXX months like this, never had a rep call and even though they have a documented payment coming up, never had a rep call and demand a payment before that. This company is horrible. Consumer Portfolio Service Inc. is there name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Intermediary Services llc
State: WA

Complaint narrative:
On XX/XX/2019, they called and left me a voicemail stating that they are " XXXX  calling regarding your scheduled delivery for tomorrow between the hours of XXXX and XXXX. Press one if you need to reschedule or have any further questions regarding the delivery or contact our office at XXXX. Thank you '' They are pretending to be a company they are not, providing a service they are not. When I called asking about who they were and what they were talking about they told me they are XXXX XXXX. When I asked why they would leave a voicemail saying they had a delivery for me, the woman got very defensive and nasty.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-03 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: GA

Complaint narrative:
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or 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 non-monetary relief
Consumer complaint received 2019-06-03 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: NJ

Complaint narrative:
I was reported 30 days late on my XXXX card on XX/XX/2018. I had reason to believe that I always made my payments on time. I am in the process of applying for a mortgage and my loan officer told me I was late. It was really heartbreaking to hear that. I tried disputing it with the credit bureaus but they said it was accurate but not sure how.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management
State: IL

Complaint narrative:
The medical related collection account # XXXX in the amount of {$830.00} which is reported to the credit bureaus by Amerifinancial Solutions is fraudulent and was a result of ID Theft. I have already corrected this matter several years ago by contacting the original creditor and submitting copies of the police report and FTC report. 
Amerifinancial Solutions has violated FDCPA by not notifying me in writing and denying me the opportunity to dispute their claim and request validation. They have listed this fraudulent debt by changing the account number and reporting it to the credit bureaus as a new collection account. I contacted Amerifinancial Solutions on XXXX XX/XX/2019 at XXXX via phone call and spoke to XXXX advising her that I don't owe this amount and requested a fax number to submit supporting documents but she refused to provide a fax number. I have no responsibility to this debt, this is not my debt and it is injuries to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: CORELOGIC INC
State: GA

Complaint narrative:
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or 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 2019-06-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was reported 30 days late on my Kohl 's card on XX/XX/2018. I had reason to believe that I always made my payments on time. I am in the process of applying for a mortgage and my loan officer told me I was late. It was really heartbreaking to hear that. I tried disputing it with the credit bureaus but they said it was accurate but not sure how.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH

Complaint narrative:
I paid XXXX XXXX XXXX directly and by law, they must recall the account from Helvey & Associates. Therefore, Helvey has no legal reason to be reporting on my credit reports and must delete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
Collection account still reports as a owed debt, collection was paid. I have disputed to all three reporting bureaus and its being verified by the bureaus as correct. Please see my attached evidence that the debt was paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had an auto loan with this company. On XX/XX/2019, the car was totaled. Shortly thereafter, my insurance company ( XXXX ) paid the car off. 

I requested that the balance on the vehicle be updated at that time, and I was told it would not be done until the " end of the month. '' The balance wasn't updated at the end of XXXX nor the end of XXXX. The balance on the car according to my online account is {$240.00}. 

All 3 of my credit reports show a balance of {$17000.00} on the car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I just want them to stop calling me at work, if they cant get me on the phone, they will call my company 's general # and ask for me so it doesn't come up as " Bank of America ''. they also are hiding the number so I cant see who's calling and they are hoping that I will pick up. the one time i did pick up- the woman was yelling at me saying " we can contact you!! We can not contact you!!! we need to speak with you. Why do they need to speak with me, they already put bad marks on, my credit report and I cant pay it and i told them to stop calling my job as i can not get these types of calls there. they are absolutely relentless and will not stop like the terminator,

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 2019-06-03 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: NJ

Complaint narrative:
I have been trying to submit disputes via Equifax 's website for months and have been unable to do so. I am met with the same error every time, despite the fact the challenge questions clearly match my report and are answered correctly. ( I have a recent copy of my Equifax report in front of me and can answer the questions. ) Equifax 's solution is to call, this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
While I was on vacation during XX/XX/2018, I missed a mortgage payment ( {$1500.00} ) which was an oversight. I had sufficient funds in my account but was not notified and I did not speak to a human being about the missing payment till XX/XX/2018. I paid the missing XX/XX/2018 payment in XX/XX/2018 and I was current on my mortgage payments. It turned into 4 ( 30-day Rolling ) (XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX & XX/XX/2018 ) late statements against my credit report. I'm currently trying to obtain a mortgage but there's 4 late payments in the last one year. I have tried to submit all the info to the creditor Bank but they denied to repair 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 2019-06-03 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: GA

Complaint narrative:
I have sent dispute letters and a FTC Fraud Affidavit to the Credit Agencies with regards to the following accounts that are fraudulently reporting on my credit file. I would like these accounts removed with your assistance : XXXX XXXX XXXX ( 2 accounts ) XXXX XXXX XXXX XXXX XXXX XXXX ( 2 accounts ) US Dept of Education XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03 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: IA

Complaint narrative:
cfpb complaint # XXXX XXXX responded STATUS Company responded on XX/XX/2019 RESPONSE TYPE Closed with non-monetary relief Company 's Response MrXXXX XXXX, We have requested that the derogatory remark be removed from your credit report. 
DESCRIPTION OF NON-MONETARY RELIEF Account will be removed from the credit report. 

XXXX stated they will remove the remark but Transunion stated It will stay on as of XX/XX/19

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 2019-06-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 60 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation