vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Outsourcing, Inc.
State: PA

Complaint narrative:
I received repeated automated calls from XXXX, XXXX XXXX XXXX. I called this number back and tried to get more information about the " debt '' being collected. They refused to give me any information, unless I gave them information to confirm my identity. They would not even tell me what the debt was for. They claimed to have sent me information regarding the debt in the mail, but I never received this. They continue to send me robo calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I disputed a late payment on my credit report from XX/XX/XXXX to just make sure the information was being reported accurately. Screen shot attached. Well when they replied and updated my credit report, it shows I was lateXX/XX/XXXX on XXXX and XXXX and then late XX/XX/XXXX on XXXX. But not only that, they updated my credit report with a new late payment on XX/XX/XXXX saying I was 30 days late when that is not true. I feel that they are penalizing me for disputing a late payment when that is my right per the Fair Credit Reporting Act. I attached the new late payments that they only put on after I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have a fraud alert on my XXXX XXXX, XXXX and Experian credit report. I want the fraud alert immediately deleted and removed from my credit report. I have never resided or lived at the following addresses : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. I want the addresses deleted and removed from my credit report. The following phone number dont belong to me : 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 non-monetary relief
Consumer complaint received 2018-05-29 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: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I have filed a complaint to IQ data international last year for they threat me to hurt my credit. ( no one ever send me bill to make any payment and asked me the payment information directly in the phone. I reject to provide them my payment information and their employee threat me to hurt my credit if I don't pay the bill right away. And I still keep the voice record ) The IQ data international send me the response last year XX/XX/XXXX and clearly my case has been marked as dispute. But, I ran my credit last weekend for making purchase of a car and I found that they reported on my credit report. They had not just threat me, but also put in action. I believe that I am not the first one got hurt on credit by this company, and if the government not take control this situation I am will not be the last one be threat and hurt on credit. They have over drive their power. I truly believe that my government should'n allowed any one done such thing to their legal taxpayers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kingston Data & Credit International Inc.
State: SC

Complaint narrative:
I received a letter from " Kingston Data and Credit International ''  stating that I owed {$200.00} to the health club " XXXX XXXX ''. I was a member of this club from XX/XX/XXXX - XX/XX/XXXX in XXXX XXXX, SC. In XXXX of XXXX I cancelled my membership in accordance with the membership contract I signed in XXXX of XXXX. The contract stipulated a year 's membership ( 12 months + a down payment ) after which the membership moved to a month-to-month basis. So after satisfying the 12 month requirement ( XX/XX/XXXX - XX/XX/XXXX ) and continuing my membership for 3 more months, I decided I did not want to be a member anymore. So after paying the month of XX/XX/XXXX in full, I notified XXXX XXXX in XXXX XXXX, SC, that I wanted to cancel my membership. 4 months later, I receive notice that I'm 4 months behind my membership dues and this " debt '' has been sent to collections, i.e. Kingston Data and Credit International. 

This debt being pursued is entirely false, and all attempts to resolve this with XXXX XXXX have not been effective. They have not even responded. All inquiries to the debt collection firm disputing the validity of this debt have been met with this statement, " Please be advise as per our letter XX/XX/XXXX we have directed you if there is anything else you are requesting or need to discuss you are to contact XXXX XXXX at XXXX. '' I do not deserve this so called " debt '', I dispute its entire validity. I have copies of my membership contract showing that I acted in explicit accordance with its terms. I do not deserve to have this " debt '' collections record show up on my credit report, which is otherwise XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX my office secretary sent me an email stating that she had received an automated phone call stating that " they '' have tried to fax me documents, but were unable to do so and I was to call them at XXXX. 
I called them on XX/XX/XXXX, and I spoke to XXXX XXXX who said she was calling from XXXX XXXX XXXX in XXXX CA. She said that CXXXX XXXX XXXX ( their client ) had attempted to email me several times about a debt I owed them, and that I had not responded. Now it was going to litigation. If I didn't pay {$940.00} right now, I would be served papers, and I would have to settle the matter in court. They would sue me for check fraud. Her tone was very abrupt, loud, and demanding. I told her that I hadn't received any emails from XXXX XXXX XXXXXXXX - even in my spam. I told her that I wouldn't give any information over the phone, and that they would need to send me all documentation through the mail - information about their company and information about the supposed debt I still owed. She said it was too late for that. She had all of my information including my SSN, previous addresses, phone number, and my work phone number. She told me that she had spoken to my supervisor at work and the Human Resources department as well. ( both people said that they had not talked to anyone about this. ) I called XXXX XXXX  XXXX on XX/XX/XXXX, and they confirmed that my debt with them had been settled as of XX/XX/XXXX. I called XXXX XXXX XXXX back to let them know this information and spoke with XXXX XXXX and told her that I had proof that my debt had been settled with XXXX XXXX XXXX in XX/XX/XXXX. She said I was still going to be served, and that I had better bring proof of that when I was in court. I told her " you bet I will ''. She hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I spent years paying back all my debt, I received notification of a debt I have no records of, looked through everything and I have no records of having this XXXX  XXXX account, the ones I did have were paid. I received a copy of a statement which again I never once paid XXXX  XXXX a payment on this account I have no records of. I'm requesting full validation, copy of the application, proof of payment on this account, date when last payment was made etc. Again I have no records of ever having this account. Please help assist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SLM CORPORATION
State: PA

Complaint narrative:
I was approaching my freshman year of college when I needed to apply for a loan because I did not get enough money from Financial Aid to cover how much my schooling was. My school is approximately {$30000.00} a year. In my parents taxes, it says that they make enough to cover what they did not provide from FAFSA. Unfortunately, my parents do not help pay for my schooling, nor do they have the best credit. 
So on XX/XX/XXXX, my step mother used my dads information to be a cosigner on a loan from XXXX XXXX for {$21000.00}. I did not get approved. 
On XX/XX/XXXX, they tried to apply for another loan but using my grandma as a cosigner this time for the same amount, {$21000.00}. This did not get approved either.

On XX/XX/XXXX, my parents tried again. This time with my grandma in laws information for the same amount, {$21000.00}. This did not get approved.

On XX/XX/XXXX, my parents tried one last time. This time my step mother tried to use her credit information to see if she would get approved for the {$21000.00}. This did not get approved. 
As all of this was going on, I had just turned XXXX and did not know how credit worked. So therefore, i was not aware that trying to get a loan would continuously hurt my credit. I was shocked that my parents never made that aware to me either. 
We finally settled for the first loan we applied for that had an interest rate of 12 %!! 
Now, I am going to be a sophomore in college without another loan being approved. I do not know if it is because of these hard inquiries or if it is because of my parents bad credit. I would like to continue my education so I am sure it would help me a lot if I could get these inquiries removed. 
Thank you so much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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: Credit Protection Association, L.P.
State: AZ

Complaint narrative:
I recieved a written notice from Credit Protection Association L.P. dated for XX/XX/XXXX. It stated i had 30 days to " pay your service balance or call to set up a payment plan ''. It also states " PAYMENT OPTIONS TO AVOID CREDIT BUREAU REPORTING ''. I contacted them on XX/XX/XXXX, made a payment of {$77.00} and set up payments for the remaining balance. My account is still current with them, yet my credit was notified and the account is now on my credit. I contacted CPA and they informed me to call XXXX XXXX XXXX the initial company i am debted to. I did so and XXXX informed me that CPA would have to correct the error and that they don't know why CPA sent out the notice and reported to my credit before the 30 days stated. A representative named XXXX informed me that it was reported to the credit bureau in XX/XX/XXXX and she confirmedmy payment recieved XX/XX/XXXX. When i asked why i recieved a statement from their company to resolve this before those measures were taken neither the representative nor her supervisor ( XXXX XXXX ) had an answer. CPA was unwilling to resolve this matter and blamed XXXX for the issue, yet on my credit it shows it was reported by CPA. I have the original statement from the company. A confirmation number of payment made to them onXX/XX/XXXX, receipt of my payment from my bank account, and that it occurred all within the 30 days from date of the notice recieved.

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 2018-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have a fraud alert on my Equifax credit report. I want Equifax to immediately delete and remove the fraud alert from my credit report. Furthermore, I have never resided or lived at the following addresses : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, the following phone number isnt my phone number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I file for bankruptcy CHXXXX on XX/XX/XXXX and the discharge of Debtor and Final Decree was issued and dated XX/XX/XXXX. On my XXXX and XXXX Credit Reports all of my accounts included in my Bankruptcy show as paid and/or included in Bankruptcy but on my Equifax Credit Report all the accounts included in my Bankruptcy are being reported as Negative Status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: FL

Complaint narrative:
This is my second complaint submitted against XXXX XXXX.They insist on calling me at work. 
The last phone call was today XX/XX/18 @ XXXX. XXXX is the collectors name. I specifically asked her why she was calling me at work. She said it was one of the contact phone numbers on my account. I told her it was against the Fair Debt Collection Practices Act to call me at work and they could face a {$10000.00} fine for each attempt knowing they are calling my work number. She told me she had never heard of this act before. 
It's very obvious that this is my place of employment by the way the phone is answered by the receptionist. 
This must stop. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: SC

Complaint narrative:
I received a letter from " XXXX XXXX and XXXX XXXX '' stating that I owed {$200.00} to the health club " XXXX XXXX ''. I was a member of this club from XX/XX/XXXX - XX/XX/XXXX in XXXX XXXX, SC. In XX/XX/XXXX I cancelled my membership in accordance with the membership contract I signed in XX/XX/XXXX. The contract stipulated a year 's membership ( 12 months + a down payment ) after which the membership moved to a month-to-month basis. So after satisfying the 12 month requirement ( XX/XX/XXXX - XX/XX/XXXX ) and continuing my membership for 3 more months, I decided I did not want to be a member anymore. So after paying the month of XX/XX/XXXX in full, I notified XXXX XXXX in XXXX XXXX, SC, that I wanted to cancel my membership. 4 months later, I receive notice that I'm 4 months behind my membership dues and this " debt '' has been sent to collections, i.e. XXXX XXXX and XXXX XXXX. 

This debt being pursued is entirely false, and all attempts to resolve this with XXXX XXXX have not been effective. They have not even responded. All inquiries to the debt collection firm disputing the validity of this debt have been met with this statement, " Please be advise as per our letter XX/XX/XXXX we have directed you if there is anything else you are requesting or need to discuss you are to contact XXXX XXXX at XXXX. '' I do not deserve this so called " debt '', I dispute its entire validity. I have copies of my membership contract showing that I acted in explicit accordance with its terms. I do not deserve to have this " debt '' collections record show up on my credit report, which is otherwise stellar.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
While checking credit report I noticed collection activity from National Credit Adjusters. I have been a victim of identity theft and fraud in the past. Individuals have used my information to apply for payday loans, utilities, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There are several things wrong in my credit reports but there are 2 that bother me the most. The first one is that I XXXX my daughter XXXX XXXX XXXX after her biological father gave up his rights. My ex wife divorced me and I got stuck paying what should have been his child support to pay. I understand I am responsible for my XXXX  daughter but I disagree with reporting my child support payments to the credit bureau. That is personal information and is not a loan and people mistakingly misjudge my character when I am the one that stepped up and took responsibility.

Also, I am an XXXX XXXX  veteran having served 8 years in the XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I recently had to file for chapter XXXX   bankruptcy because there is so much stuff on my credit reports that is over 7 years old that is confusing when I go to buy a car or apply for a mortgage. American consumers are not getting the protection against financial powerhouses that they deserve. The average American cant afford to hire an attorney and get incorrect credit issues removed. There should be more in favor of the consumer instead of the incorrect information that big data wants to keep on us. Give consumers a break and crack down on XXXX, Transunion and XXXX. I had my bankruptcy discharge and it says it wont fall off until XX/XX/XXXX. I am not a billion dollar corporation just a hard working American. 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 2018-05-29 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: WI

Complaint narrative:
**UPDATE XX/XX/XXXX*** I CALLED CFPB TO FIND THAT IT HAD BEEN TURNED OVER TO FTC. I CALLED FTC AND THEY SAID COMPLAINT NEEDS TO BE RE-SUBMITTED BACK TO CFPB. ANOTHER CALL TO CFPB AND REP SAYS IT SHOULD NOT HAVE BEEN SENT TO FTC IN THE FIRST PLACE. 
PLEASE ADDRESS THE COMPLAINT AS STATED BELOW - My problem is that each reporting credit bureau is not doing what they should be doing to remove an error in reporting from XXXX XXXX XXXX. XXXX XXXX XXXX is erroneously reporting a collection balance to their collection agency, XXXX XXXX. Both have conceded the error and both state that credit bureaus have been notified, yet negative report is not being removed. This has been going on FOR OVER SIX MONTHS NOW! 

Very, very frustrated with all three reporting bureaus and with XXXX XXXX XXXX, a company that does not operate with ethics, integrity, unscrupulous billing practices and/or at a minimum, such incompetency that the right hand is not with the left hand. Even the collections company has admitted that they often are chasing collections that are not accurate and frivolous. You can see that everyone and everything is screwed up in this whole mess including that CFPB kicked this out to even begin with. VERY FRUSTRATED! 

The bill is from XXXX XXXX for {$220.00} dating back to XXXX - XX/XX/XXXX. 
In XX/XX/XXXX, I noticed that I have been turned over to collections and is now showing a hit on all three major reporting credit bureaus for this {$220.00}. We have, for over eight months now received collections calls, made calls in response to bills we were receiving and been told numerous times that it is an error and that it will be taken care of. A different call might be a different answer ( that we also have had many times ) that might be from a collector stating that we owe the money. On XX/XX/XXXX, we finally reached a supervisor at XXXX XXXX that sees the error, will kick it back to XXXX with her notes stating the valid dispute but can not guarantee the results in our favor. Thus, this complaint and with certainty that this will not be disposed of UNTIL we file this complaint. 
The absurdity to this is in relation to a HOT SPOT device we tried out from XXXX in XX/XX/XXXX that had a 30 day return. We returned it back in 3 days since it did not work in the remote area we live in. The return at that time was confirmed that the device was received back from XXXX and that was the end of it ... .UNTIL several months later when all of this nonsense started. TO THIS DATE, XXXX XXXX XXXX AND THE COLLECTION AGENCY HAVE ACKNOWLEDGED THE ERROR BUT NOW THE CREDIT BUREAUS ARE NOT REMOVING THIS ERROR.

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