vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
KNIGHT ADJUSTMENT BUREAU I asked to politely speak to the supervisor myself. When I was transferred to XXXX one of the supervisors from Knight Adjustment Bureau ... I explained to her what my circumstances have been for the past few years & now I am willing & fully capable of settling this debt in full because I genuinely want to change my current & past situations into a positive financial future for myself & family. I asked her politely to consider requesting to remove the debt from my credit report, which would remain on my report for another five years. Whether I paid in full or not. & XXXX the supervisor said in a sharp, direct voice ... '' I will not request to delete or remove this from your credit report because it needs to stay there to show the world what you have done & what you have failed to pay over the last few years. '' I then asked her how she wouldn't be willing to help me when I'm taking full accountability for my debt & are trying to he best of my abilities to better my future. Still, she was extremely adamant on keeping this minor debt of {$130.00}, even if it's states paid in full, on my credit report for the next five years. Then she belittled me by saying, " You could have sent us {$5.00} a month for the past two & half years if you were so serious about taking care of your debt. '' I guess she has no compassion for humanity in any shape or form. Here 's to America 's helping to make other Americans successful in this country. I wished her well & told her that I hope XXXX will bless her. People like this are the horror of this entire world. XXXX the supervisor for Knights Adjustment Bureau ... I hope you're able to sleep peacefully at night with yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
This debt does not belong to me. Please, remove this debt from 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 2019-05-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of Identity theft, I sent a letter to Equifax requiring them the block the hard inquiries and Collections from my Account within 4 days, I sent the 605B form along with all the other required documents. Equifax has refused to comply. After calling them over 15 times I have gotten multiple conflicting information from different supervisors in the fraud dept.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03 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: FL

Complaint narrative:
The lack of timely updating by creditors to both of our credit reports which impacts our ability to get any or correct and non usurious financing. Both my account and my wife 's account need to be identified and both of our specific credit reports updated correctly since the government forces us to be linked. The credit report balances are incorrect by as much as two months. The disputes are never finalized and third party credit reporting is even more incorrect. In my opinion a great scam creating fraudulent information being submitted to lenders. Since the Credit Bureaus dance around the problem consistently reporting back they merely collect the data, then the problem evidently is in the correct and timely reporting of payments and balances since these banks are quick to post negatives even when wrong! Try to correct them 60 or 90 days if that. EVEN though I requested the correct balances be validated and supplied a credit bureau fax number the correct amounts were not posted. Hence my scores actually went down further impacting our ability to secure funding in any manner with adverse actions even from those we never submitted to who pulled unauthorized reports. Even while balances were INCORRECT for a considerable time and adjustments were finally made 6 or 8 months later our credit was impacted and we were left with little to no recourse under the laws written by the honorable s.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This is a follow up to a previous complaint that hasn't been solved. I deposited a check on XX/XX/XXXX with capital one. They accepted the check but a short while later they put my account on hold. After trying to get ahold of them for a long time they told me there were security issues so they had to close my account. However I still didn't get the funds from the check. I contacted the cfpb. About a month and a half later I finally was informed by mail that they still haven't verified the check, and I must either reverse the transaction or give them a number to verify. I have put in a request to reverse the transaction close to 3 weeks ago, with no response from capital one, as well as given a number to verify, with no response. The only way to communicate is to leave them a voicemail, but they haven't been responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: ID

Complaint narrative:
Account was paid in full and should never have been turned over to collections. We paid this balance in full, {$200.00} was paid on XX/XX/XXXX another {$200.00} was paid on XX/XX/XXXX and {$380.00} was paid on XX/XX/XXXX. On XX/XX/XXXX the company still attempted to collect a payment of {$480.00} by sending me a debt collections letter saying we had 30 days to dispute but then they reported a collections on my credit on XX/XX/XXXX after the debt was paid in full. When we reached out to the company on XX/XX/XXXX to dispute this and have this corrected we received an email back from XXXX XXXX on XX/XX/XXXX stating that it was due to an internal error on their part and that we were actually getting money back because their system was reporting incorrectly. The collections still remains on my credit and should be 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 2019-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ML Credit Holdings, LLC
State: SC

Complaint narrative:
I set up automatic payment drafting for my auto loan. I was instructed to read a form in the office which states that I give XXXX XXXX company permission to debit my account for XXXX each month, and they have done so each month. Today XX/XX/2019 the clerk charged my account XXXX, and told me that the corporate office is now shut down and that she's not going to do anything about the situation! The car needs XXXX worth of repairs so it sits in my yard undriveable, so she added gap insurance without my knowledge. Ok, i get it ... but I didn't agree for you to take that amount out of this bank account. How can she just take money that i did not approve of without my signature?! That's essentially agreeing to one thing then changing stipulations later without notifying the other party! Unprofessional and careless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
i paid off the account and was told it would be removed and its still showing on my report as negative

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I filled out the form on XXXX once for the past two days, Experian and XXXX have not provided my credit report, citing " a condition exists '', and " we are experiencing technical difficulties '', respectively. XXXX   worked just fine. No further details that I can use to troubleshoot the issue are shown.

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 2019-05-03 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
i paid off the account and was told it would be removed and its still showing on my report as negative

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
In the summer of 2018 I asked XXXX for a skip a payment option. It was approved but for some reason seems to have caused some confusion on my loan. After that request XXXX reported a 30 day late payment in the month of XXXX to XXXX. XXXX also reported a 30 day late to XXXX for the month of XXXX but marked the month of XXXX ok on XXXX. Same applies to XXXX, XXXX reported a 30 day late to XXXX  but marked XXXX as ok on XXXX. So the company has reported inconsistent information during the time that I was approved for a skip a payment. This 30 day late keeps fluctuating between XXXX & XXXX between reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, on XX/XX/2019 I have made a complaint toward my account with Ann Taylor credit card ending XXXX. Ann Taylor credit card was issued by Comenity bank. They disagreed with me, sent me a letter stating my account has been closed on XX/XX/2019 and has reported to credit bureau to damage my credit rating. Until today, Ann Taylor still send me statement on my late charge adding another late charge on top of it. I would like to know is it legal to charge late charge on late charge? the principle amount has been paid plus one late charge. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5, 7 19 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I filled out the form on XXXX once for the past two days, XXXX and Transunion have not provided my credit report, citing " a condition exists '', and " we are experiencing technical difficulties '', respectively. XXXX worked just fine. No further details that I can use to troubleshoot the issue are shown.

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 2019-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: TN

Complaint narrative:
I have been receiving phone calls on my job and company phonne for the past 3 weeks starting XX/XX/XXXXfrom a debt collector called CBE Group that states I owe a XXXX XXXX Bill from XX/XX/XXXX in the amount of XXXX. I have asked them to send me a written notice of the bill but have not heard anything back on this. I had also signed up with XXXX XXXX for my present cell phone service over a year ago and I feel that if there had been an outstanding debt, it would have been brought to my attention then. Due to my working, my wife called the company to ask them about the bill and to let them know that there was no debt on record to pay and the customer service rep informed her that I am, in fact, responsible for the debt and that if I do not pay it, it will go on my credit report. He continued to argue with my wife until she finally told him that she was going to report his company to the FTC, State Attorney and consumer finance. He said that's fine but I would still have to pay this debt or it would be put on my credit report. My wife also called XXXX to see if I did have an old account that was not paid and after running my SS number, they said no and even confirmed that if I did, I would not have been able to get my present service until any past due debts were paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I'm constantly finding myself fighting to redeem my identity back. My identity has been compromised and now there's many unauthorized accounts on my report, and the 3 major credit bureaus are continuing to report these accounts without any certified physical documentation. I'm demanding that these accounts be blocked immediately and permanently from my credit data. The accounts are, [ 1 ] XXXX XXXX {$4500.00}, [ 2 ] XXXX  XXXX {$680.00}, [ 3 ] XXXX XXXX {$72.00}, [ 4 ] XXXX XXXX  XXXX  {$71.00}, [ 5 ] XXXX   XXXX {$30.00}, [ 6 ] XXXX XXXX XXXX {$680.00}, [ 7 ] XXXX   XXXX XXXX {$140.00}, [ 8 ] US Dept of Education/XXXX {$3800.00}, [ 9 ] XXXX XXXX XXXX, [ 10 ] XXXX  XXXX XXXX, [ 11 ] XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03 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: MO

Complaint narrative:
I'm constantly finding myself fighting to redeem my identity back. My identity has been compromised and now there's many unauthorized accounts on my report, and the 3 major credit bureaus are continuing to report these accounts without any certified physical documentation. I'm demanding that these accounts be blocked immediately and permanently from my credit data. The accounts are, [ 1 ] XXXXr XXXX   {$4500.00}, [ 2 ] XXXX XXXX  {$680.00}, [ 3 ] XXXX XXXX {$72.00}, [ 4 ]  XXXX XXXX XXXX  {$71.00}, [ 5 ] MXXXX XXXX  {$30.00}, [ 6 ] XXXX XXXX XXXX {$680.00}, [ 7 ] XXXX XXXX XXXX {$140.00}, [ 8 ] US Dept of Education/XXXX {$3800.00}, [ 9 ] XXXX XXXX XXXX, [ 10 ] XXXX XXXX XXXX, [ 11 ] XXXX 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 2019-05-03 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: MO

Complaint narrative:
I'm constantly finding myself fighting to redeem my identity back. My identity has been compromised and now there's many unauthorized accounts on my report, and the 3 major credit bureaus are continuing to report these accounts without any certified physical documentation. I'm demanding that these accounts be blocked immediately and permanently from my credit data. The accounts are, [ 1 ] XXXX XXXX {$4500.00}, [ 2 ] XXXX XXXX  {$680.00}, [ 3 ] XXXX XXXX {$72.00}, [ 4 ] XXXX XXXX XXXX  {$71.00}, [ 5 ] XXXX XXXX  {$30.00}, [ 6 ] XXXX XXXX XXXX {$680.00}, [ 7 ] XXXX XXXX XXXX {$140.00}, [ 8 ] XXXX XXXX XXXX XXXX {$3800.00}, [ 9 ] XXXX XXXX XXXX, [ 10 ]  XXXX XXXX XXXX, [ 11 ] XXXX 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 2019-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eagle Collection Corp.
State: MI

Complaint narrative:
XXXX ( eagle collection from XXXX IL ) called my #. All unrecognizable # s go to voice mail which this company didn't not leave. Called # back saying someone at my # owed money, yet refused to give me information about the call without providing my PI. Their # has now been permenetly blocked by telephone and telephone company. Companies like this can go XXXX themselves, especially when they wake me up while I'm sleeping.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-03 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03 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: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120  days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5, 7 19 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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