vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
I already paid this debt off to the XXXX XXXX XXXX and as of XX/XX/2019 I am paid up/paid off all debts owed to the XXXX XXXX XXXX. This amount listed from Contract Callers is not only inaccurate but it is false, I want this removed from all 3 credit bureaus. 

I can show a bill that shows my account was current and still being billed on the date the Contract callers dinged my credit profile for the false amount of {$410.00} 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 2019-08-17 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: NV

Complaint narrative:
My name is XXXX XXXX XXXX, I have contacted by certified mail each credit bureau as well as the collection agency to only have a failed attempt. My information and one of a XXXX XXXX XXXX have somehow merged. I have provided sufficient information to everyone to only get back send verification. When I ask for verification of these accounts they send to my address XXXX XXXX XXXX information. I know this must violate some privacy laws. If Im receiving her information she might also be receiving mine. My credit score has dropped from a XXXX to a XXXX due to her information being put on my reports. I also have accounts that are not even showing on my reports. I have exhausted all options. So Im not here. Please fix this issue. When my credit is ran they come back with her scores and information. 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 2019-08-17 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: NV

Complaint narrative:
My name is XXXX XXXX XXXX, I have contacted by certified mail each credit bureau as well as the collection agency to only have a failed attempt. My information and one of a XXXX XXXX XXXX have somehow merged. I have provided sufficient information to everyone to only get back send verification. When I ask for verification of these accounts they send to my address XXXX XXXX XXXX information. I know this must violate some privacy laws. If Im receiving her information she might also be receiving mine. My credit score has dropped from a XXXX to a XXXX due to her information being put on my reports. I also have accounts that are not even showing on my reports. I have exhausted all options. So Im not here. Please fix this issue. When my credit is ran they come back with her scores and information. Please Help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17 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: FL

Complaint narrative:
Second attempt to remove this account, this is not my account. I'm an identity theft victim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
On XX/XX/2019 I called Santander bank to have my monthly car payments withdrawn on theXX/XX/XXXX of every month starting XX/XX/XXXX until further notice. I went away for my birthday week and expected my bills and car to be automatically withdrawn as I was assured and told by XXXX at Santander that I was all set up and my automatic payments would startXX/XX/XXXX. I received my XX/XX/2019 bank statement from my personal bank and saw my car payment did not come out. I immediately called Santander and was told they have been having computer issues and will fix my account. I paid them Santander XXXX as they said I was 33 days behind. I paid up in advance. The next 3 days o received a notice from experian that o was two payments late. I called Santander to fix this and another women told me I had to dispute this issue. Well I did to all 3 credit bureaus, the following day. I had update to my payment and Iam current but the late charge for XX/XX/2019was not my mistake. I have been paying two years and excellent payments. This has hurt my further as my credit score dropped and I have had my credit scores in the 700s for my hard work, me being responsible and me paying my bills on or before my due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am writing to talk about the fact that Victoria 's secret has drop my credit score 29 points  all three of my credit bureaus are reporting that I am late with payments which I wasn't and then it's showing that they had closed my account then it was open last month and now I am paying on a {$300.00} credit originally I owe them about {$1200.00} between finance fees and late fees and I've paid the {$300.00} for the credit that I had used over twice already recently meaning XX/XX/2019 XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX my bank is overdrawn because they tried to take out {$20.00} which I made this agreement back in XX/XX/XXXX of this year to pay {$20.00} because I was in hardship and now they're drafting out my account 4 times for the same {$20.00} that I paid on XX/XX/XXXX this credit card company has really messed up my credit score it's been going up and down for the last couple of months out of work and actually paid off all my debt and this one credit card is the one that's tearing up my credit the moose was is dropping my score down 40 and 29 points and I can't get past this because right now I've worked on my credit so hard to buy a house I need some help and I would like to something to be done

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 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: FL

Complaint narrative:
Second attempt to remove this account, this is not my account. I'm an identity theft victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX Hospital sent a bill that was paid by insurance to collections. I reached out to XXXX XXXX Hospital via phone on XX/XX/2019 in regards to this matter. XXXX XXXX- director of risk management, followed up via email, and is the person who investigated this issue and found that the bill had in fact been paid by insurance. The representative from XXXX XXXX Hospital confirmed that the amount owed was {$0.00}. I was told by email that the account would be withdrawn from the collection agencys list and would be closed out of their billing department. 

I contacted Equifax twice providing them the correspondence and documents stating their was no amount owed for the medical bill because it had been paid in full by insurance. However, Equifax negligently kept this report on my credit record causing reached out to XXXX XXXX Hospital via phone on XX/XX/2019 in regards to this matter. XXXX XXXX- director of risk management, followed up via email, and is the person who investigated this issue and found that the bill had in fact been paid by insurance. The representative from XXXX XXXX Hospital confirmed that the amount owed was {$0.00}. I was told by email that the account would be withdrawn from the collection agencys list and would be closed out of their billing department. 






XXXX XXXX Hospital sent a bill that was paid by insurance to collections. I reached out to XXXX XXXX Hospital via phone on XX/XX/2019 in regards to this matter. XXXX XXXX- director of risk management, followed up via email, and is the person who investigated this issue and  found that the bill had in fact been paid by insurance. The representative from XXXX XXXX Hospital confirmed that the amount owed was {$0.00}. I was told by email that the account would be withdrawn from the collection agencys list and would be closed out of their billing department. 

I contacted Equifax twice providing them the correspondence and documents stating their was no amount owed for the medical bill because it had been paid in full by insurance. However, Equifax negligently kept this report on my credit record causing great damage to my credit record and costing me hundreds of dollars more on an auto loan because of this false report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
I was not contacted by Commonwealth Finance on debts trying to collect. I just saw 7 different ones from the same company on my credit report. The following are the amounts {$560.00} {$840.00} {$840.00} {$520.00} {$1800.00} {$520.00} {$780.00} They are also all from the same original creditor : XXXX XXXX XXXX XXXX XXXX XXXX. 

There are no original dates of services. So I do not know exactly what they are trying to collect on. I have NO idea what these charges are. But they are destroying my credit. Please any imformation to help me straiten this out is greatly appreciated. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
In XX/XX/XXXX, I got an XXXX XXXX XXXX XXXX, through XXXX XXXX and was making my payments through them with little to no problems and then in the middle of XX/XX/XXXX, I stopped receiving statements or anything from them and never heard anything at all, Santander never even contacted me by phone or mail to let me know they were the new company, and when I talked to them once and from that moment forth it was a complete and total nightmare, in XX/XX/XXXX, I lost my job and was having a hard time trying to make it while trying to find another job, meanwhile Santander were relentless, constantly calling, and I told them my situation and they in turn allowed me to pay {$180.00} of a {$340.00} payment and told me that I would be okay, and I kept in contact and made my payments as was set up and then by XX/XX/XXXX, I had full-time hours again and was only one payment away from being completely caught up and with no notice XXXX XXXX came in the middle of the night while I was sleeping and took my car with all my belongings and tried to sell them back to me, and Santander calls me again with urgency like they cared so much, at first said that if I could pay {$400.00} I could have my car back, I said I could do that, but then it changed to me misunderstanding things, it is really {$1400.00}, which I did not have on hand, they sold the car for as cheap as they could {$500.00}, and left me with {$10000.00} to try to pay off, these people are so crooked and greedy, if they had answered their phone, talked to me, they would have known that I was one payment away, to allow me to pay half on my payment then take the car anyway, was just XXXX. And they still seem to think they are owed the world, and XXXX XXXX was just as bad, at least they could have given me a chance to get my things out of the car before they took it, the whole situation was crooked, I would NEVER do business with Santander again they are rotten Monetary Loss : {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
You need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages ... XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX.. If you do not remove it from my record, please provide me with written proof of every detail shown in your entry

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 2019-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
DO NOT OBTAIN CREDIT CARDS FROM HOME DEPOT, PROMOTIONAL OFFERS ARE ABUSIVE. 

Good Evening, I made a purchase @ Home Depot back in XX/XX/2018 for which we requested a credit card from the store to purchase some goods. The card was issued for credit of {$1000.00} USD which was used to apply a promotional offer of 6 Months No interest rate. I made my payments on time but I did not paid the full amount back within 6 months. Today is XX/XX/XXXXand I haven't had a change to review my account between XX/XX/XXXX and XX/XX/XXXX, and I got the surprise that back in XX/XX/XXXX I received a charge for {$130.00} USD for interests of the previous 6 months for a Balance of {$650.00} USD!!!! 
From my point of view this is completely unfair and was not explained when I obtained the credit card. THIS IS AN ABUSE. From my point of view when an bank offers something of this kind you start paying interests over the amount you have not covered starting from the date when the grace period is finished, but instead this company is charging me unfairly interests of 6 months over the balance of the account. I know they are going to say I signed a contract and I agree with it. Honestly this was not explained when we applied the promotional offer, is understood that you will start paying interest on the balance from the date the 6 month period expires. I did call the Home Depot Credit Card Department and it was usefulness, the executive neglected to make any changes to this unfair charge. 
Thank you for your time reading this comments.

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 2019-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: HI

Complaint narrative:
This debt was originally sold by XXXX to a company called XXXX   XXXX XXXX. I set up a dispute via XXXX and this debt was deleted in February of 2019. The original dispute report number via XXXX  is XXXX for $XXXX. This same debt was then given to a new collections company called Online Collections. I set up a new dispute via XXXX and lost that dispute. This collections account is only showing up via XXXX at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
You need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages ... XXXX, XXXX, XXXX, DEPT OF ED, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, DEPT OF ED, XXXX, XXXXXXXX XXXX XXXX If you do not remove it from my record, please provide me with written proof of every detail shown in your entry

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC
State: OR

Complaint narrative:
Ability Recovery Services contacted me on XX/XX/19. the representative did not disclose her name, company name, the recording of the call, or mini-miranda. She asked if I could make a payment and I stated no. She then hung up. I called back and requested to speak to a supervisor. I was hung up on. I called again and made the same request. I was told I needed to find something better to do and was hung up. I called back and repeated my request a 3rd time. I was told that just because i was a collector ( untrue ) I didn't know all the laws and was hung up on. I called again and the same request for a 4th time. I was told supervisors and managers were unavailable and was asked why I needed to speak to one. I informed the rep that I had been called earlier and not mini-mirandized and the rep had not identified herself or her company. The rep stated a supervisor or manager would call back within 48 hours. Ten days later, I have still not received that call. Ability Recovery Services violated the FDCPA. 

A complaint with XXXX  was filed. 

Re : Complaint ID XXXX ; Ability Recovery Services LLC Dear XXXX : The company responded to your submission and we are passing it along to you. The contents of this message are below or attached. Please respond to this message in written form within 10 days. 

The text of your complaint may be publicly posted on XXXXs Web site ( XXXX reserves the right to not post in accordance with XXXX  policy ). Please do not include any personally identifiable information when you tell us about your problem or in your desired outcome. By submitting your complaint, you are representing that it is a truthful account of your experience with the business. XXXX may edit your complaint to protect privacy rights and to remove inappropriate language. 

Sincerely, XXXX XXXX XXXX MESSAGE FROM BUSINESS : This matter has been placed in a properly disputed status, along with credit reporting bureaus. The Compliance Department has been advised to pull all recordings for this matter and address the collector for reprimand and retraining. Our office will have a Supervisor contact to assist Consumer in resolving this matter. Thank you

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 2019-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
On XX/XX/2019 I called XXXX XXXX to have my monthly car payments withdrawn on the XXXX of every month starting XXXX-19 until further notice. I went away for my birthday week and expected my bills and car to be automatically withdrawn as I was assured and told by XXXX at XXXX that I was all set up and my automatic payments would start XXXX-19. I received my XXXX XXXXXX/XX/XXXX bank statement from my personal bank and saw my car payment did not come out. I immediately called XXXX and was told they have been having computer issues and will fix my account. I paid them XXXX XXXX as they said I was 33 days behind. I paid up in advance. The next 3 days o received a notice from XXXX   that o was two payments late. I called XXXX to fix this and another women told me I had to dispute this issue. Well I did to all 3 credit bureaus, the following day. I had update to my payment and Iam current but the late charge for XX/XX/2019 was not my mistake. I have been paying two years and excellent payments. This has hurt my further as my credit score dropped and I have had my credit scores in the 700s for my hard work, me being responsible and me paying my bills on or before my due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
On XX/XX/2019 I called XXXX XXXX  to have my monthly car payments withdrawn on the XXXX of every month starting XXXX-19 until further notice. I went away for my birthday week and expected my bills and car to be automatically withdrawn as I was assured and told by XXXX at XXXX that I was all set up and my automatic payments would start XXXX-19. I received my XX/XX/2019 bank statement from my personal bank and saw my car payment did not come out. I immediately called XXXX and was told they have been having computer issues and will fix my account. I paid them XXXX XXXX as they said I was 33 days behind. I paid up in advance. The next 3 days o received a notice from XXXX   that o was two payments late. I called XXXX to fix this and another women told me I had to dispute this issue. Well I did to all 3 credit bureaus, the following day. I had update to my payment and Iam current but the late charge for XX/XX/2019 was not my mistake. I have been paying two years and excellent payments. This has hurt my further as my credit score dropped and I have had my credit scores in the 700s for my hard work, me being responsible and me paying my bills on or before my due date.

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