vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-24 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: KY

Complaint narrative:
My credit report shows that co-guarantor on a loan from XXXX. This shows up on my credit report as a student loan. I reported this as an error through XXXX XXXX and the response back from XXXX was " It looks like this item is actually correct and that it 's going to stay on your credit report ''. I have not co-signed or guaranteed any student loan from XXXX and have requested a copy of the fully executed loan agreement with XXXX that bears my signature. This documentation has not been provided back to me because it does not exist. I demand that this be removed from my credit report! Please help.

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 2017-07-24 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: DISCOVER BANK
State: AR

Complaint narrative:
On my XXXX XXXX account there is a reference to an old Discover card account that indicates it is " active ''. I contacted Discover card services in Delaware, spoke to a representative named XXXX, gave him the account last 4 numbers, and was informed that I had no active account with them, and that their records did n't go back further to identify me or my wife as a card holder. Which is interesting since this account shows I have a {$3900.00} balance. Since I ma quite certain that I do not use, nor intend to ever use Discover in the future I 'd like to get this information corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
On XXXX XXXX 2017 Kohl's/Capital One pulled my XXXX credit report, thus placing a hard inquiry on that report, damaging my credit score, without my permission. I have never had any business with or requested any credit from Kohl 's. On XXXX XXXX 2017 I sent a letter to XXXX ( since you apparently ca n't dispute inquiries online ) disputing this inquiry. On XXXX XXXX 2017 I received a fresh report from XXXX ( Report number:XXXX Dated XXXX XXXX 2017 ). The inquiry was not removed and they stated, in part, " we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. '' On XXXX XXXX 2017 at approximately XXXX EDT I called Kohl 's Credit Department at XXXX. Their automated system confirmed that my SSN was not  in their system. I spoke to a frontline CSR who confirmed that my name was not in their system. She then transferred me to " XXXX '' at approximately XXXX EDT who insisted she could not help me and I needed to dispute the Inquiry with XXXX. Of course, I informed her I had already done so and they had referred me back to Kohl 's. She then transferred me again but that sent me to the voicemail of someone I believe is named " XXXX ''. I left a message, but have not received a return call. Since neither my name nor my SSN are in Kohl 's database, I do not believe this incorrect inquiry was a result of identity theft, I believe it was simply a data entry error on Kohl 's part. However, I still need Kohl 's to correct their error and remove this erroneous inquiry from my XXXX  credit report so that future creditors will receive an accurate picture of my financial dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: NY

Complaint narrative:
I contacted TransUnion and in regards to removing inquiries off of my credit report being that i was a victim and there inquiry issues. For XXXX ( XXXX ) inquiries on my credit report. As followed XX/XX/XXXX 1 ) XXXX XXXX XXXX, 2 ) XXXX and 3 ) XXXX XXXX XXXX. XX/XX/XXXX 4 ) XXXX XXXX XXXX and 5 ) XXXX XXXX XXXX XXXX. XX/XX/XXXX 6 ) XXXX. XX/XX/XXXX 7 ) XXXX/ XXXX. XX/XX/XXXX 8 ) XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX 9 ) 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 2017-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Stellar Recovery, Inc.
State: MN

Complaint narrative:
Agency- Stellar Recovery My husband and I are the underwriting process of purchasing our new home. on XX/XX/XXXX I received an alert of a new collection account from Stellar Recovery on my credit report. I tried calling the number listed on the credit report but it was not an active working number. I immediately researched agency and sent them an email disputing the collection and filed a complaint with the 3 credit bureaus. I sent two physical letters to two different addresses ( Montana and Florida ) associated with the business. I contacted my bankruptcy attorneys and they sent a letter to the company on my behalf. I left an inquiry on the agency 's website. I 've called the company at other phone numbers I found online 3x but could only leave messages. I then did a search in my spam email and found they emailed me 4x in one day on XX/XX/XXXX before placing this on my credit. ( Three of those emails from the agency were addressed to 3 other individuals providing me with their names and addresses. The email addressed to me never stated who the bill was from, the amount of the bill, or that it was an attempt to collect a debt. The company has not returned any of my calls, emails or inquiries. My credit score has decreased by 30 points due to this and we are still waiting to hear how this may impact our chance of buying a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
My mortgage loan matured on XX/XX/XXXX.
As of XX/XX/XXXX the principal balance was {$180.00}. I made my recurring electronic mortgage payment of {$420.00} in XX/XX/XXXX, but it was refused and returned by CitiMortgage. After calling CitiMortgage, and clarifying the final payoff payment was {$210.00}, I wrote a check for that amount and mailed it in on XX/XX/XXXX.
Subsequently I received a letter dated XX/XX/XXXX stating my account was in default, with a total past due amount of {$840.00}, and that a credit bureau was notified. On review of my latest credit score, it has dropped from XXXX to XXXX. In calling CitiMortgage, they have refused to correct their error in reporting.

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 2017-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: MD

Complaint narrative:
There was a fraudulent ATM withdrawal on our account on Saturday, XXXX at XXXX for {$200.00}. We filed a police report with XXXX County Policy and report the incident immediately to Simple. They closed my husband 's card and sent him a new one and assured us it would be investigated ASAP. Simple sent me the guidelines for Fraud which showed that we should not be liable for the full amount. I asked Simple immediately if there was anything we could do to help and they said no. Simple never followed up with us UNLESS I reached out to them asking them what is going on. I 've called and emailed them multiple times and all they have said is that the investigation was ongoing. Then, finally they rejected our claim after several weeks. I sent them proof of the police report filing because bottom line, this was not us. My husband 's card was skimmed at a Gas station two hours before which Simple can see that transaction. We reported this with Police. I 've asked that the file be opened up again, but again, no status updates from Simple unless I reach out. I 've asked multiple times for the investigation department from their dispute department and all it states is that since the transaction occurred within our city, it was not fraudulent. This is not true and not acceptable. It has not been a month now and we still have not been refunded any of our {$200.00}. We are working with police to try to get survellience footage, but I should not have to go through all this! Other companies, such as XXXX and XXXX refund fraudulent activity ASAP. This is just plain wrong. You can look at all of our transaction history, we do not use it to pull cash out, we got this account as a budgeting tool for groceries and gas. We need a resolution immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
excessive calls and threats felt very threatened made a payment to stop threats and jail still called and very aggressive wrong amount asked for settlement due to financial hardship refused

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
My wife and me traded in our old vehicle XX/XX/XXXX, from XXXX of XXXX XXXX XXXX, and leased a new vehicle from the same dealership. At the time we traded in the vehicle we were due for our XX/XX/XXXX payment. We understand all payments are our responsibility to make, but when we trade in a car we expect the dealership to pay the old car off within a reasonable time frame. XX/XX/XXXX, I receive a call from XXXX XXXX XXXX stating our XX/XX/XXXX payment had n't been made. I advised XXXX XXXX XXXX that we no longer owned the vehicle and Kia of XXXX XXXX XXXX should have paid it off. I then call Kia of XXXX XXXX XXXX, to inform them the car has not been paid off. I also informed them that now my wife and my credit report reflects a 30 day late. Kia of XXXX XXXX XXXX, informed me that they will provide us a letter to send XXXX XXXX XXXX in order to have our credit reports corrected. I 'm sure Kia of XXXX XXXX XXXX is in some type of violation for not sending the payoff timely. Instead of providing the letter from Kia of XXXX XXXX XXXX to XXXX XXXX XXXX, I disputed the issue with the 3 Credit Bureaus at the beginning of XXXX. 2 of the 3 credit bureaus changed the 30 day late from XX/XX/XXXX to XX/XX/XXXX. My wife and me no longer owned the car as of XX/XX/XXXX, therefore we are not sure why we received a 30 day late, in a month we only owned the car for 11 days. One of the bureaus removed the 30 day late altogether. I called XXXX XXXX XXXX,XX/XX/XXXX and informed them of the issue. The lady I spoke with stated my account ( XXXX ) did not reflect a late payment. She then advised me to dispute the issue with XXXX XXXX XXXX and they will make sure the 30 day late is removed. I disputed the 30 day late with XXXX XXXX XXXX around XX/XX/XXXX. I received a letter dated XX/XX/XXXX, from XXXX XXXX XXXX stating " The disputed information is accurate as reported. '' I called XXXX XXXX XXXX XX/XX/XXXX and inform them of the letter received. The lady ( XXXX ) that I spoke with, needs to be a manager if she is not already. She was so calm on the phone, she was able to keep me from going off on her, even though I my issue was not resolved and I hung up on her. XXXX stated that it was still our fault since we sign the contract that we will make all payments on time and that we need to have KIA of XXXX XXXX XXXX call XXXX XXXX XXXX to have the late removed. I 've attached all the documents I sent XXXX XXXX XXXX, which includes the letter from KIA of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
On XXXX/2017 I filed a complaint against the Collection Bureau of the Hudson Valley Inc. # XXXX that they reported a debt to my name of XXXX which I never owed. Collection Bureau of the Hudson Valley was required by law to send me a notice of this collection before posting anything on my report. I did n't recall getting a letter from them. I asked for details of this debt which were never sent. Subsequently they closed the account and removed it from my credit file, Now in XXXX I got a negative notice on my report and after checking I see the same debt is reported again .They never sent me any details of this debt but reported it again .I am ready to sue them in court for violating the FDCPA and FCRA and for financial damages incurred due to their false report if they wo n't remove this once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Receivables Management Partners, LLC
State: PA

Complaint narrative:
I found out about this debt via credit alerts. I call Berks Credit & Collection and informed them I never received a statement from them nor did I receive a statement from the Original Creditor. I stated to them that they were in violation on the FCR Act. I had an attorney sent them a letter of dispute with no responds ( see attached ). I ask them for proof that they mailed me any statements and was denied. This should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I found out that Experian made many mistakes with my credit report when I applied for a mortgage. They listed many credit cards that did not belong to me. As a result, it dragged down my credit rating. I wrote a letter to them to correct the mistakes. They sent me another report with many wrong addresses. When I tried to correct the mistakes through their web, they asked me to submit documents to prove that I never lived in one of those places. How do I produce documents to prove that I never lived in one place? I 've spent hours on the phone with different credit card companies to explain that I did n't have the credit cards that showed up on my Experian credit card report. They created so much stress in my life because of their careless attitude toward consumers ' information.

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 2017-07-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
excessive calls and threats felt very threatened made a payment to stop threats and jail still called and very aggressive wrong amount asked for settlement due to financial hardship refused

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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:
XXXX XXXX XXXX has inaccurately reported a debt on my credit report. The only agency who stubbornly refuses to remove it is EQUIFAX. On my initial dispute, I advised them I have NEVER been a patient of XXXX Hospital. However, they claim they contacted the Collections Agency and they verified the item belongs to me. How can I be taken to Collections by XXXX Hospital if I have never been a patient? Also, I am have Health Insurance. Please investigate this irresponsible reporting by Equifax. It damages my Credit Score and they simply are not doing their job such as ACCURATE reporting. Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On X/XX/2017 I went into the Chase Bank branch located at XXXX XXXX XXXX , XXXX, IN XXXX to open a Chase Ink credit card and accompanying Chase Total Business Checking account. At time of opening I provided a coupon which was mailed to me by Chase, offering a {$300.00} bonus for the opening of a Chase Total Business Checking account. When the bonus had not posted weeks later, I contacted the branch. This branch proves extremely difficult to reach, as they never answer the phone, and have no voicemail system. On the 11th attempt, my call was answered. I asked why the bonus would n't have posted, and was told that no coupon was attached to the account opening. After reaching a dead end with the banker I worked with, and the branch manager, I contacted Chase corporate. In so many words, they told me that the branch where the account was opened would have to remedy it, but that they were sure they would. I tried contacting the branch again, to no avail. A few days later, my personal banker assigned to me by Chase called me to check in and ask if there was anything I need assistance with. I told him about this issue I was having with the bonus not posting, and he promised to look into it. After doing some research, he called me back and informed me that he regrettably was unable to do anything on his end. At this point I escalated the dispute with Chase corporate, and received a call back from XXXX. She promised to look into the matter and to contact the branch on my behalf. After a few calls back and forth with XXXX, she informed me on XXXX that the branch was refusing the honor the coupon, claiming that I did not produce the coupon at time of opening, which is not accurate. I have a photo of the mailer I received and which I provided at time of account opening. The mailer clearly states the coupon code and bonus amount. I would be happy to email a copy of this photo to all concerned parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
In 2007, after graduating, I called about having my student loans qualify for Public Service Loan Forgiveness. I was assured I 'd be eligible after 10 years. When I tried to start the process this summer, I was told I had a FFEL loan- the wrong kind to be eligible. I 'm so sick about this. I 'm afraid I have no recourse, just the word of the customer service representative from the phone call 10 years ago. I 've read about incompetent advisors and representatives, not fully understanding the situation at the time. I guess I was, too and just trusted their word. If my payments were n't enough, I would be more than happy to pay the difference, but just to be told " too bad '' by Naviant and that I could reapply for the correct type of loan is heartbreaking. If I paid 10 more years with the correct Federal loan, I 'd have them paid off before I 'd be eligible. Am I just out of options? Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: FL

Complaint narrative:
Today I called the dispute resolution center for Equifax and XXXX to discuss removal of a tax lien reporting that falls under the National Consumer Assistance Plan. These items fail the identification process where the name, address and SSI and/or DOB need to be documented to be reported ( the SSI numbers are partially redacted and there is no DOB on file ). In speaking to representatives and their supervisors at both agencies, neither was able to admit they had any knowledge of the XXXX or the Consumer Financial Protection Bureau and how they would effect the now erroneous lien reporting on my credit bureau. They also could not refer me to anyone in their respective organizations that would have knowledge of the XXXX or CFPB. They went as far as to refuse any knowledge of the existence of the XXXX and CFPB and also refused to investigate the possibility that they exist and do in fact offer a resolution to my request to have the incorrectly reported items removed. For reference, I called XXXX  and received an completely different response. The agent was aware of the XXXX, reviewed my credit file and agreed to delete the item in question within 24 hours. I have confirmed that the agent at XXXX has in fact followed through on his statement and that lien has been removed. Kudos to XXXX and shame on XXXX and Equifax. I have attached copies of the items in question so a quick review can confirm they do not comply with the XXXX and should be deleted immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
I paid the original creditor directly, the original creditor accepted my payment but yet the collection agency is trying to collect an amount that I do not owe!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation