vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
I contacted XXXX XXXX and asked them to correct the inaccuracies that they reporting inaccurately. 

I contacted the credit report agencies and ask them to verify this account. 

I have been continually disputing this account. 

They continue to place new negative payment activity on my credit report for an account that they say was opened and charged of in XX/XX/XXXX and XX/XX/XXXX Please tell them that they can not continue to due this and make them correct all the incorrect information on my credit report or delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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: NY

Complaint narrative:
XXXX XXXX  decided on there own to keep an inactive checking account open for years. I never made any use of the account for years. XXXX XXXX XXXX recently reported to the credit bureaus that I failed to pay them {$77.00} seventy seven dollars as an attack to decrease my credit scores. I never owed XXXX XXXX XXXX XXXX {$77.00} seventy seven dollars which is used as a personal message to attack me because my birth year is XX/XX/XXXX. This account was never in use since XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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: NY

Complaint narrative:
XXXX XXXX decided on there own to keep an inactive checking account open for years. I never made any use of the account for years. XXXX XXXX XXXX recently reported to the credit bureaus that I failed to pay them {$77.00} XXXX XXXX dollars as an attack to decrease my credit scores. I never owed XXXX XXXX XXXX XXXX {$77.00} seventy seven dollars which is used as a personal message to attack me because my birth year is XX/XX/XXXX. This account was never in use since XX/XX/2014.

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 2018-12-15 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: NY

Complaint narrative:
The three credit bureaus are reporting seven credit cards in negative status. The negative status is because of charge off. I made agreements with my credit cards to settle the accounts for a lower price and this agreement was turned into an attack to destroy my credit. The biggest issue : this negative reporting is posted in the year XX/XX/XXXX. This is a LIE!!! I was in the hospital in the year XX/XX/XXXX and lived in a shelter in the year XX/XX/XXXX. I never had any credit cards open during this time. These credit bureaus know that they are attacking people. These credit bureaus know that they are falsifying credit information. These credit bureaus know that LIEING that my credit cards became delinquent in the year XX/XX/XXXXwill prevent me from future applications of credit. The credit bureaus reported seven credit cards delinquent in the year XX/XX/XXXX. Why wait so long to report my credit cards. I never had the cards open during this time and all delinquent cards paid in full by XX/XX/XXXX. These bureaus waited until XX/XX/XXXX to report the credit cards. THIS IS EVIDENCE OF AN ATTACK!

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 2018-12-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
I contact them numerous time to correct the inaccuracies that are on my credit report. 

I contacted the 3 major credit bureaus to dispute these inaccuracies. 

They keep placing new negative notations on this account monthly. 

This account is actively being disputed and had been being disputed nonstop since XX/XX/XXXX. 

They failed to provide me any verification documents. 

They keep ignoring my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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: NY

Complaint narrative:
Hello! My name is XXXX XXXX. On XX/XX/2018, because of a misunderstanding and non-professionalism of an employee at XXXX XXXX store in XXXX, XXXX XXXX XXXX, an unauthorized credit check was conducted on my report. Immediately after that happened, I contacted XXXX XXXX and XXXX XXXX, as well as I, opened two disputes at Equifax ( First : XXXX, Second : XXXX, there were even third and fourth ... ).

Later, on XX/XX/2018, after a proper investigation conducted by XXXX XXXX specialists, THE BANK HAS AGREED THAT IT WAS A MISTAKE and the bank has AGREED TO REMOVE that credit query from my history ( to change the status of it from hard inquiry to a soft inquiry ). They are supposed to contact Equifax with all information. In addition, they already sent 3 letters to me confirming this decision ( Letter from XX/XX/XXXX, Letter from XX/XX/XXXX, Letter from XX/XX/XXXX ). The bank specialist told me that it could take up to 6 weeks for a credit check to be removed from my history. I waited more then a months after each letter. I do monitor my credit history regularly, and surprisingly the hard check is still in my account. I even requested 2 copies of my annual credit report from Equifax.

Very upset about that situation and I feel like there is no other way like contact you and ask for a help. This inquiry reflected only in Equifax account. Other reporting agencies already removed everything, pretty quickly. Equifax claims that XXXX didn't send them any request about this change. However, XXXX   and XXXX received everything and removed wrong information.

Thank you. I hope you would be able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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: NY

Complaint narrative:
The three credit bureaus are reporting seven credit cards in negative status. The negative status is because of charge off. I made agreements with my credit cards to settle the accounts for a lower price and this agreement was turned into an attack to destroy my credit. The biggest issue : this negative reporting is posted in the year XX/XX/XXXX. This is a LIE!!! I was in the hospital in the year XX/XX/XXXX and lived in a shelter in the year XX/XX/XXXX. I never had any credit cards open during this time. These credit bureaus know that they are attacking people. These credit bureaus know that they are falsifying credit information. These credit bureaus know that LIEING that my credit cards became delinquent in the year XX/XX/XXXXwill prevent me from future applications of credit. The credit bureaus reported seven credit cards delinquent in the year XX/XX/XXXX. Why wait so long to report my credit cards. I never had the cards open during this time and all delinquent cards paid in full by XX/XX/XXXX. These bureaus waited until XX/XX/XXXXto report the credit cards. THIS IS EVIDENCE OF AN ATTACK!

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 2018-12-15 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: NY

Complaint narrative:
The three credit bureaus are reporting seven credit cards in negative status. The negative status is because of charge off. I made agreements with my credit cards to settle the accounts for a lower price and this agreement was turned into an attack to destroy my credit. The biggest issue : this negative reporting is posted in the year XX/XX/XXXX. This is a LIE!!! I was in the hospital in the year XX/XX/XXXX and lived in a shelter in the year XX/XX/XXXX. I never had any credit cards open during this time. These credit bureaus know that they are attacking people. These credit bureaus know that they are falsifying credit information. These credit bureaus know that LIEING that my credit cards became delinquent in the year XX/XX/XXXX will prevent me from future applications of credit. The credit bureaus reported seven credit cards delinquent in the year XX/XX/XXXX. Why wait so long to report my credit cards. I never had the cards open during this time and all delinquent cards paid in full by XX/XX/XXXX. These bureaus waited until XX/XX/XXXXto report the credit cards. THIS IS EVIDENCE OF AN ATTACK!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This company XXXX XXXX XXXX sent me correspodence in the mail stating that i owe them {$100.00}. I never did business with this company, never signed a contract, or heard of them. I sent them a debt validation letter in the mail to have them properly validate this debt and i was ignored, its been past 30 days. I would like to know where this debt came from, and see a copy of the original sined contract stating that i did buisness with XXXX XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
IN REFERENCE TO MY PREVIOUS COMPLAINT # XXXX, I JUST TRIED AGAIN TO SUBMIT AN ONLINE COMPLAINT/DISPUTE THROUGH TRANSUNION 'S WEBSITE, TRANSUNION.COM, AND I CAN ONLY GET AS FAR AS ENTERING MY EMAIL ADDRESS AND CHECKING FOUR BOXES, AND THEN WHEN I CLICK " CONTINUE, '' NOTHING HAPPENS. NOTHING HAPPENS AFTER I REFRESHED THE PAGE FOUR TIMES. ABSOLUTELY NOTHING. THIS COMPANY IS OUT OF CONTROL. HELP! TRANSUNION ADDED A FRAUD ALERT TO MY ACCOUNT, AND I NEVER EVEN CONTACTED TRANSUNION REGARDING A FRAUD ALERT IN THE PAST YEAR. WHAT IS GOING ON?

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 2018-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I contacted this company over four months ago ( XX/XX/XXXX ) when they initially contacted me about this issue. I explained to them at that time that this bill did not belong to me. They told me at that time that that their records indicate that it did belong to me. I told them I would not pay something that I didn't do. They said well we show records that it belongs to you. I asked them for some sort of proof that it belonged to me and they never provided it. I told them I'd be willing to settle ( EVENTHOUGH I NEVER USED THEIR SERVICE OR WENT TO THEIR DOCTOR ) and I'd call back once I got paid. When I called back they told me they never agreed to a settlement that the total amount was due. I then told them they are liars. They are only trying to get money out of people to then threaten them to put things on their credit and ruin their credit rating ( which has now happened to me ). I request that this company MEDICAL DATA SYSTEMS INC remove the debt from my credit report as this does not belong to me. And even though I was willing to pay moneys I didn't have and didn't need to to maintain my solid credit history, that they would still try to take advantage of me, is not right and should be against the law. Please help me resolve this issue.

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 2018-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USI Solutions Inc.
State: CA

Complaint narrative:
I received a letter from USI Solutions stating that I owe XXXX XXXX XXXX XXXX {$8800.00}. I have never had a XXXX card aside from my XXXX gas card which carries a XXXX  balance. There is no record of any of this on my credit report and I have contacted XXXX on XX/XX/2018, they state there is no record of any credit with them other than the XXXX card. I have not contacted USI because I am afraid that once I do, the harassment will start. Reading about them on XXXX, they have a reputation of abusive behavior towards callers and trying to collect bogus debt. I would appreciate your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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: VA

Complaint narrative:
Equifax CONTINUOUSLY has computing, communication, telephonic and website programming/coding issues that not only keeps REINSERTING accounts that have been previously identified as identity theft AND previously deleted in XX/XX/XXXX and XX/XX/XXXX. I have notified Equifax of this and, per the FCRA, these reinsertions are  supposed to be IMMEDIATELY deleted and removed.

1. ) I WAS NOT notified by letter of the reinsertions ; 2. ) The tradelines were previously deleted, so they should not be reactivated ; 3. ) Equifax must comply with the FCRA IMMEDIATELY and delete the reinsertions.

... but what is disgusting and so ridiculously transparent is the fact that : a. ) Equifax WILL NOT follow proper rules as established by the FCRA and, instead of deleting the reinsertions, they open a regular 30-day investigation, which is incorrect, b. ) Equifax continuously and randomly changes their fax number, phone numbers and closes down the XXXX XXXX for communication WITHOUT notice, and c. ) When I attempt to review the dispute results, the system can't find me using MY OWN information EXACTLY as it appears on the reports available to me in my online credit monitoring product PROVIDED BY EQUIFAX.

I am really sick of the games at this point, You know XXXX well who I am and my details that I provide match the details in my profile. STOP hiding, STOP looking for excuses to not comply with the FCRA, STOP keeping my investigation results from me, STOP improperly handling my disputes, STOP MISSPELLING MY NAME and just STOP STOP STOP all of the illegal and purposely deceptive games you keep playing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened a Citibank checking and savings account in XX/XX/2018 due to a {$400.00} promotional offer. {$15000.00} was deposited for 60 consecutive days as per terms and conditions. It has already been 4 months and bonus money has not been received. Bank automatically closed my checking account and said it was due to zero funds after 90 days. I had kept all deposit money in the savings account and was never informed I would need to keep money in the checking account. As a result of the automatic closure of the checking account, Citibank says I am no longer eligible to receive the bonus. I would like to receive the bonus since I met the original offer requirements ( keep {$15000.00} deposited for 60 consecutive 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 monetary relief
Consumer complaint received 2018-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
I recently obtained a copy of my credit reports and noticed that Medical Commercial Audit has added a collection account that is not owed on Acct # XXXX. That was paid prior to being reported and is now reporting on my credit report which is unfair collection practices. This company is also reporting inaccuracies such as last payment date and date of first delinquency Please delete and remove this account # XXXX from my credit reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I requested that Ad Astra validate debt XX/XX/XXXX via XXXX XXXX XXXX and on XX/XX/XXXX they sent me a statement for payment in the amount of {$180.00} but still nothing validating that I owe this debt. This information is reporting to my credit reports inaccurately the Date of loan per the statement shows XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
MY student loan was took out in XX/XX/1999 and consolidated in XX/XX/2012 but the interest keeps growing and growing with no end in sight- I was supposedly in a public service forgiveness program from XX/XX/2012-XX/XX/2017 in which I had to get out of the military with an involuntary honorable discharge. There is no way to track how many payments were considered under that program and while I am paying an income based payment my interest is not being covered so the balance has been climbing and climbing. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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: TX

Complaint narrative:
Someone used my information to fraudulently open a utility account with XXXX XXXX. It is now reporting as an unpaid account on all three credit bureaus. It was opened in XX/XX/2016 when I was just a minor.

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 2018-12-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lewis, McDonnell & Associates
State: TX

Complaint narrative:
On XX/XX/XXXX I received a call From my local county that if I was going to be home because I was going to say be served papers and I was like what's going on and I go out I don't know what's going on on my could know that's why I'm asking and they gave me a number to call which is XXXX they said I owed a debit collection from XXXX that they called XXXX XXXX and they were suing me for XXXX I was like what all I remember is I do XXXX XXXX XXXX in XX/XX/XXXX I was going through some things and I was couldn't afford it so he went to collections and all i owe is XXXX. This person 's name Lewis , McDonnell & associates Babe clean to be a law office in my file number is XXXX - TX - XXXX and I gave them a {$150.00} from my prepaid card to find out that when I looked up there address it was a ups store in XXXX XXXX ca and there is no such thing as Lewis, McDonnell hassociates. There is a XXXX XXXX in California because I emailed one of the workers and I sent them the paperwork and that they said that it didn't look right and they've never heard of Lewis McDonnell associates I also went as far as calling my county and I gave them the number and they said that I did need to worry about it because it was a scam and I also called my sheriff 's office and they told me it was a scam because I told him that they I docked me everything because Lewis mcdonnell and associate said that's how they do it. I even called them and asked where are they located in they'd said I do at at there's no need to worry about it because they were a legit company so every time I ask they never told me I also have the email they sent me 2 I doc just in case I need it for proof I want them to be stopped and I looked and I read that people have complainants on many red flags on them I would like them to stop harassing me

Company response to consumer: Untimely response
Consumer complaint received 2018-12-15 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: TX

Complaint narrative:
Someone used my information to fraudulently open a utility account with XXXX XXXX. It is now reporting as an unpaid account on all three credit bureaus. It was opened in XX/XX/2016 when I was just a minor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Someone used my information to fraudulently open a utility account with XXXX XXXX. It is now reporting as an unpaid account on all three credit bureaus. It was opened in XX/XX/2016 when I was just a minor.

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 2018-12-15 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: TX

Complaint narrative:
The three credit bureaus keep reporting a fraudulent address on my credit reports.

Company response to consumer: Closed with explanation