vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Great Lakes Capital Management, LLC
State: CA

Complaint narrative:
I got a message from someone claiming to be a process server. He told me that he has papers in my name and social security number to serve me and that he would be serving me papers at my home or place of employment. He left a toll free number to call back with a case number to reference. I call back and they say they are mediators calling on behalf of XXXX XXXX for a debt that is at least ten years old. A man named XXXX XXXX says say that if I arrange payment that day XXXX XXXX would no longer sue me. They say they are a company called alternative dispute resolution and offer mediation services. They say that if I don't pay on the phone I will be served papers and have to appear in court and will owe 4 times the amount if they take it to court. He told me that XXXX XXXX wins 97 % of cases. He scares me into making a payment plan which I immediately cancelled after I got legal advice. They sent me an email afterwards and the email was not from the mediation company they claimed to be from. It turned out to be from GL Capital Management Company. Never once did they say this was an attempt to collect the debt or send me notifications. He also bullied me by telling me the statute of limitations was not over because they sent me a letter in 2015 ( which I never acknowledged ). He harassed me and threatened to call my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: FL

Complaint narrative:
XXXX XXXX is reporting an account in the amount of XXXX to credit bureaus. The account was charged off in XX/XX/XXXX with a balance of {$13000.00}. The vehicle was sold for XXXX. The cost of repossession was approximately {$1100.00}. The company starting charging interest on the account after it was charged off and closed with out sending me any detailed statements about the interest. The company reported this account in XX/XX/XXXX with an amount of {$9100.00}. They kept charging interest until XX/XX/XXXX when the amount reached {$10000.00}.

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 2018-07-11 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: FL

Complaint narrative:
XXXX XXXX is reporting an account in the amount of XXXX to credit bureaus. The account was charged off in XX/XX/XXXX with a balance of {$13000.00}. The vehicle was sold for XXXX. The cost of repossession was approximately {$1100.00}. The company starting charging interest on the account after it was charged off and closed with out sending me any detailed statements about the interest. The company reported this account in XX/XX/XXXX with an amount of {$9100.00}. They kept charging interest until XX/XX/XXXX when the amount reached {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: FL

Complaint narrative:
XXXX XXXX is reporting an account in the amount of XXXX to credit bureaus. The account was charged off in XX/XX/XXXX with a balance of {$13000.00}. The vehicle was sold for XXXX. The cost of repossession was approximately {$1100.00}. The company starting charging interest on the account after it was charged off and closed with out sending me any detailed statements about the interest. The company reported this account in XX/XX/XXXX with an amount of {$9100.00}. They kept charging interest until XX/XX/XXXX when the amount reached {$10000.00}.

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 2018-07-11 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: GREAT LAKES
State: CA

Complaint narrative:
From what I was told by the " escalation department rep '', XXXX is the " administrative and secretarial assistant '' for Great Lakes Guarantor. After repaying my loan in full in XX/XX/2018, XXXX continued wage garnishment for 3 consecutive pay periods. They finally sent a letter to my employer to stop garnishment two weeks ( another pay period ) after I called. When it comes to getting any question answered regarding the status of my account, or when I might be receiving reimbursement, the answers are generic and scripted. " The account is closed. The accounting department doesn't have a contact number and is behind. We have no other information on your account. '' After over 30 min speaking to both reps, I was given the number to Great Lakes. Mind you, the second rep, " XXXX '' kept cutting me off with " We don't have information on your account ''. Poor customer service, rude and unhelpful. I ended the conversation with XXXX, letting him know that if Great Lakes was who I should speak with, he could've saved us both time by redirecting me there 15 min. prior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have been a victim of idenity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11 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: SC

Complaint narrative:
reporting an incorrect account, incorrect account number, a missing field of XXXX- month payment history, an inaccurate date of last activity, an inaccurate date of high credit, an inaccurate date of credit limit, an inaccurate actual payment amount, an inaccurate date of last activity, an inaccurate activity description, an inaccurate date of last update an inaccurate description of month reviewed. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

these items must completely deleted according to inaccurate and incomplete reporting under the fair credit reporting act

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 2018-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
They are blowing up my phone with robocalls trying to collect for credit cards. I have NOT authorized them to use robocalls to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
Ally is saying that my XXXX payment was 30 days past due in XX/XX/XXXX. My payment was not past due. I made what they call an " extension '' to change my due date. The rep told me to pay {$990.00} on XX/XX/XXXX and that my account would be considered current and my next payment would be due on my requested due date, XX/XX/XXXX. Apparently due to some 'error correction '' on their part, my payment was not posted to their system until XX/XX/XXXX. I made the payment on the XXXX and it posted to my bank on the XXXX. They know this and it shows this on my payment history on their online portal, but they refuse to fix it saying that I have been late in the past. I am not asking them to change any payments that were actually 30 days late last year. I am asking them to correctly report that XX/XX/XXXX payment was not 30 days late, because it was 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 2018-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
On XX/XX/2018 I was having issues trying to make an international transfer through MoneyGram online services. After several attempts, the transaction finally went through taking the agreed sum of XXXX {$71.00} from my debit card. Without prior notice or security verification of any sort, I received an email from Money Gram that the transaction had been cancelled and I should wait 3-10 business days before the amount will be credited to my account. 

I contacted their customer service line who transferred me to the Online Department, which told me that it was as a result of security concerns. I enquired why such a drastic measure without any notification or request for verification or something. I was notified it was their policy and that was that. I then asked to be transferred to another level which was their Escalation Department. I spoke with a XXXX who could only give me the same information and could not escalate my call any further. 

The main issue I am having is that if there was a security concern, why not instead freeze the transaction and in the same way, send an email to say I need to call Money Gram to verify or why not put a verification system in place. It was very rude of them to ruin my business without any sorts of prior contact or anything. I had to make contact with them after receiving notice that the transaction had been cancelled. This is bad business practice ; they had no problems withdrawing the amount but now because of " laws '' as they notified, I am now left to suffer waiting another 3-10 days before I can put that money to use again. 

The only means by which to make a complaint as I was notified by XXXX from Money Gram 's Escalation Department is to leave a note on the " contact us '' page of their website and wait 48 hours to be contacted for a mishap I never did but is being severely punished for nonetheless. They had no real sense of urgency for the inconvenience it is causing. 

What recourse do I have as all I had really needed was for that amount to have been transferred today but Moneygram is instead stuck on procedures that does not benefit the needs of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I am filing a complaint the let the cfpb know credit acceptance talked to a third party about my debt they bought from XXXX XXXX  XXXX. They had no right to give the repo company my private information and come on my personal property and steal my vehicle. They did not have a court order with an affidavit attached giving them the legal rights to steal my vehicle and enter my property. If they take or threaten to take any nonjudicial action ( without a court order ) to repossess property when there is no present right to possession of the property they is in violation.

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 2018-07-11 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: CA

Complaint narrative:
Back in 2015, I provided all 3 credit companies with my proof of ID theft, along with court documentation showing that all accounts were to be disputed and removed for consumer credit report. At that time, I sent in that request to remove all hard inquires, along with all collections accounts. Upon checking my credit, it was found that a collection account still remains on my credit report, and I also have three account that should have been removed from report. This has damaged my good name and credit with these accounts still being present. They are also reporting that accounts that I have open are currently delinquent, when they have been all paid up and current. They are reporting out dated information, and it is making it hard for me to get any type of additional credit. I should be rebuilding my credit right now after over 7, almost 8 years of having to fight for my identity back. I am asking that all three credit companies, XXXX, Transunion, and XXXX update my information ASAP! I have sent letter certified mail, sent in copies of court documentation showing what has happened, and I want all hard inquires and collections and outdated unverified accounts removed from my report or I will take further legal action and sue all three companies! This is ruining my life! I want to purchase a home in the next year, or so.. And, I don't want this information holding me back. I just want to start fresh like I've been trying to do for the last 2 years.

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 2018-07-11 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: CA

Complaint narrative:
Back in 2015, I provided all 3 credit companies with my proof of ID theft, along with court documentation showing that all accounts were to be disputed and removed for consumer credit report. At that time, I sent in that request to remove all hard inquires, along with all collections accounts. Upon checking my credit, it was found that a collection account still remains on my credit report, and I also have three account that should have been removed from report. This has damaged my good name and credit with these accounts still being present. They are also reporting that accounts that I have open are currently delinquent, when they have been all paid up and current. They are reporting out dated information, and it is making it hard for me to get any type of additional credit. I should be rebuilding my credit right now after over 7, almost 8 years of having to fight for my identity back. I am asking that all three credit companies, XXXX, XXXX, and Equifax update my information ASAP! I have sent letter certified mail, sent in copies of court documentation showing what has happened, and I want all hard inquires and collections and outdated unverified accounts removed from my report or I will take further legal action and sue all three companies! This is ruining my life! I want to purchase a home in the next year, or so.. And, I don't want this information holding me back. I just want to start fresh like I've been trying to do for the last 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: CA

Complaint narrative:
I provided Experian, XXXX  and XXXX  with information asking them to verify all accounts on credit file, as I did have issue with incorrect information being reported, as I am a XXXX. I advised that the information was not current, shown to have been incorrect, and ask that they remove the incorrect information ASAP. They are also providing and showing out dated information advising that I am currently behind on my accounts, when I am current and have not been late. Advised that information would be updated, but that information did not show to have been updated still to this day. Showing the last information to be reported was dated for XX/XX/2017. I have asked all 3 companies to update, verify or remove the accounts and to no avail. At this time I am asking for all hard inquires, as well as all collections shown to be removed, and all outdated inaccurate information removed as well. I shouldn't have any inquires on my report as I have not apply for any updated or new credit. I have sent letters to all 3 credit companies advising if this information is not corrected, I will move on the legal actions. I should not have to pull and go back in fourth with a company that is paid to report accurate and true and correct information! Please assist me in getting this all resolved and having all this information verified, removed off my report. I didn't want to come to this point, but this is the only chance to have this matter resolved.

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 2018-07-11 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: IL

Complaint narrative:
Complaint submitted on XX/XX/XXXX to XXXX, XXXX, and Experian. The have not deleted any incorrect information. The things reported in XXXX are still on the credit report this is XXXX XXXX. The statue of limitations is 7 years. Inaccurate information should have been removed 3 years ago.

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 2018-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
My first request for debt validation all that was received was a copy of a statement and a letter saying this is yours. I have again ask for complete debt validation.and have not received.any information at all. Meanwhile this item remains on my credit file and is causing me.problems with obtaining credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened up a certificate of deposit XX/XX/XXXX which was a 4 month CD at the interest rate of 4.88 % and stated automatically renewable meaning it just rolls over. I contacted JP Morgan Chase bank regarding this CD and I was told by XXXX from the executive office that CHASE CLOSED MY CD account sent the funds to RETENTION and they can't find my money. XXXX from Chase executive office is handling this and also told me that CHASE CLOSED my account and the last time the CD was listed on my statements was XX/XX/XXXX. The money is NOT IN RETENTION, It's not been forwarded to the State Of Illinois as unclaimed money. They asked me to locate my XX/XX/XXXX-XX/XX/XXXX tax return to see if I filed an amount from a XXXX. Well the XX/XX/XXXX-XX/XX/XXXX tax return on my computer states its a corrupt file. XXXX only goes back to XX/XX/XXXX to get copies. I can vget copies thru the IRS at a cost of {$50.00} per tax return. Mind you CHASE closed my account without authorization and without any notification oif such. I told XXXX to send me XXXX so I can get those tax returns and she's yet to call me back. I want my CD money which was opened with {$10000.00} with all accumilated interest at the rate of 4.88 % from the time I opned the CD till the day I recieve the accumilated interest. This is CRIMINAL FRAUD AND THEFT. I included a copy of the certificate of deposit and the reciept for opening up such

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am constantly harassed by this company with phone calls and U.S> Postal mail for them to try and collect a debt that I no longer am liable for through my bankruptcy over 7 years ago. If you look at my credit reports you can see that there is no debt that is on any on my reports. But this company continues to harass me to the point that if the CFPB does not stop this I will have to call the police. I actually tried calling them and asking them to remove my account completely and the call center they use in XXXX were completely rude to me and said " No I owe them money ''. Which Is obviously not true and a tactic they are using to swindle people out of money that people are not liable for any longer. The letter they sent also said that the Division Manager is a person named XXXX XXXX. When I asked to speak to this person the representative on the line said there is not XXXX XXXX. This company needs to be investigated ASAP. I want my account completed removed from I do not want be contacted once more otherwise I will file harassment charges and I will also contact the federal agencies that oversee these types of company 's

Company response to consumer: Closed with explanation