vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-21 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: Westlake Services, LLC
State: VA

Complaint narrative:
I bought a truck on XX/XX/XXXX with the loan lending company Westlake Financial Services. The truck was repossessed in XXXX and paid in full on XX/XX/XXXX when the account closed. I actually obtained money back due to overpayment of the account and was written a check by this company. I opened a dispute on XX/XX/XXXX for inaccurate information. On XX/XX/XXXX in retaliation for disputing information on my credit report Westlake put false information in order to drop my credit score over 70 points. Even though the account was closed on XX/XX/XXXX they placed my account back into repossession status for the months of XX/XX/XXXX, then again placed it negative in XXXX and XX/XX/XXXX. This is illegal and something should be done! Because they lied and placed my account in repossession twice after it was closed it has hurt my credit and kept me unable to get a mortgage. With all three credit companies they placed this false information and added the remarks that my account status was in active repossession and late by over 90 days on XX/XX/XXXX in clear retaliation. They flagged my account was delinquent saying there was missing payments. After making yet another dispute for false and inaccurate information they removed the remark on XX/XX/XXXX and closed the account and changed the account that all payments were caught up. It says I have made payments well into XX/XX/XXXX when the account was closed on XX/XX/XXXX. All of this is a violation of the FCRA, and the account should be removed completely from my credit report because of their illegal actions against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I have been repeatedly called by Portfolio Recovery Services. They call me 5-10 times a day, from different numbers, which I keep blocking. They are also using a robot service to call and NEVER a human being after the first few weeks. 

I asked them to stop on the first 2-3 calls, and they have not. 

I also asked them to verify the debt and never receieved a letter stating who the original debt was owed to or where they had purchased it. 

At this point, I want a few things to happen, or I will be hiring an attorney to bring them to court and file a lawsuit :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
XXXX XXXX XXXX, XXXX knowingly opened collections accounts on XX/XX/XXXX without sending out any type of initial notice of debt, also the accounts were included in my Chapter XXXX Bankruptcy. 
XXXX then attempted to file claims in my Chapter XXXX case after the XXXX creditors meeting on XX/XX/XXXX and XXXX, XXXX that were denied as untimely. 
XXXX admits they failed to send out initial communications on XX/XX/XXXX, but alleges sending out an initial communications on XX/XX/XXXX. 
During a telephone call on XX/XX/XXXX, XXXX firmly states they can not prove they sent out any communications, but refuses to remove the fraudulent collections from my credit file.

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 2020-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a credit card with Citi Bank. I lost my job and called them to tell and make a payment with them because I didn't know when I was going to be able to pay them. I didn't find another job until weeks after my due date. I told the rep on the phone what I was doing and she took the payment. The next billing cycle they charged me a double payment as if I didn't make a payment prior but I wasn't behind on my payment. When I called them back and told them what happened they wouldn't take my payment as a payment for the prior month. I told them to close my account but they wouldn't and continue to bill me and added a bunch of fees that I didn't owe

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 2020-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I was a victim of identity theft and as a result an account was placed in my name for a company called XXXX XXXX. I filed a police report years back when I found out about the account. However, a company by the name of LVNV Funding/ Resurgent appears on my credit in this regard. I have sent several letters/disputes to the company and they have gone unanswered and the fraudulent account still remain on my credit. 

The company also has several addresses. I have sent letters to the XXXX XXXX location and the XXXX TX location. I will be reaching out to the attorney general office and the FTC today. I want the account removed from my credit and their database. they never contacted me before placing the debt on my credit Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX Balance {$24000.00}, account XXXX. This payment history is wrong. I have attached payment history Bank of America agreed to. XXXX XXXX XXXX has been reporting my auto loan account XXXX. They are reporting this account as charge off no payment received. Yet I have been making payments over the last year. I have provided proof of some of the payments I have made. 

They have been calling and making threats about the account. They will not update the account on my credit report after they have charged off account. 

Please delete this account. XXXX XXXX XXXX did not report this account correct for more than a year. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: FL

Complaint narrative:
A demand for verification of debt was presented to XXXX and XXXX  by my attorneys twice and Santander as well and they have failed to respond on either occasion causing for immediate and permanent deletion of the reported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX, XXXX MA XXXX Account # XXXX I am writing to inform you that I do not owe this alleged debt on my credit report. I am refusing to pay this debt listed by the Debt Collector Agency. 

I demand proof of this debt. I am demanding for all three bureaus Experian, XXXX and XXXX to remove these defamatory remarks and comments from my credit report. This is a defamation of character.

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 2020-10-21 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: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX Balance {$24000.00}, account XXXX. This payment history is wrong. I have attached payment history XXXX XXXX XXXX agreed to. XXXX XXXX XXXX has been reporting my auto loan account XXXX. They are reporting this account as charge off no payment received. Yet I have been making payments over the last year. I have provided proof of some of the payments I have made. 

They have been calling and making threats about the account. They will not update the account on my credit report after they have charged off account. 
Please delete this account. XXXX XXXX XXXX did not report this account correct for more than a year. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX Balance {$24000.00}, account XXXX. This payment history is wrong. I have attached payment history XXXX XXXX XXXX  agreed to. XXXX XXXX XXXX has  been reporting my auto loan account XXXX. They are reporting this account as charge off no payment received. Yet I have been making payments over the last year. I have provided proof of some of the payments I have made. 

They have been calling and making threats about the account. They will not update the account on my credit report after they have charged off account. 

Please delete this account. XXXX XXXX XXXX did not report this account correct for more than a year. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
Booked a trip on Frontier Airlines from XXXX to XXXX on XX/XX/2020 for {$450.00}. 
As flight was going to be in XXXX, and we were in the midst of a pandemic, I specifically asked if tickets would be refundable if I was unable to travel due to Covid19 and was assured they would be. 3 days before trip was going to be made, we were informed by our employers that if we went to Florida we would be required to quarantine for 14 days when we returned. We could not afford to be out of work for 3 weeks so trip was cancelled. 
Frontier attempted to get me to accept a credit for future travel but I refused and told them I wanted the full refund that I was promised and they agreed. 4 weeks later there was still no credit to my card so I called Frontier and was advised that a credit was issued on XX/XX/2020. My credit card, which is a frontier airlines master card through Barclays bank, still had no credit so I called Barclays and disputed the charge. 
They promised to do an investigation and reversed the charge. 
On XXXX XXXX the charge once again appeared on my statement and when I called Barclays and spoke to their rep they xfer me to Frontier where I spoke to XXXX agent # XXXX and his supervisor XXXX agent # XXXX who stated they would not issue a credit because Barclays charged back the {$450.00} So it appears that Barclays, and their airline partner Frontier, are playing games with my money and pointing the finger at each other with me stuck in the middle. Nobody will give me a straight answer and I am exasperated. 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 2020-10-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
After getting the run around by Experian, they suggested that I contact XXXX. When I called XXXX you can only access a recording which specifically states We can not help you with your credit report or scores, please contact the credit reporting agencies. Ive already done that ; | Experian had no clue why my score dropped 14 points, what a collection of XXXX. Being in the lending industry I understand credit reporting all too well. 
| On XX/XX/2020, the Experian site had my score at XXXX ( Picture attached ). I have a credit limit of {$26000.00}, yet my only outstanding balance was {$200.00} or 1 % utilization rate. 
| On XX/XX/XXXX, roughly two weeks later my scored had dropped by 14 points. ( Picture attached ). This is significant because as you can see by the attached picture, I have paid off the {$200.00}, no other factors on my credit have changed. Having low utilization rate or in my case 0 % is a positive on a credit report, not a negative. The people at both Experian and XXXX can not explain how this happened. 
| Experian will send you a bunch of XXXX nonsense which will tell a laymen how credit works. These XXXX need to address why the above comments happened, which are the complete opposite of how credit works. 
| Anything short of that is plain XXXX! Does the CFPB have any XXXX XXXX? Or is it just another useless govt agency?

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 2020-10-21 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: Kinum, Inc., Indianapolis, IN Branch
State: IN

Complaint narrative:
I was a member of XXXX XXXX in XXXX In for several yrs while i worked. On or around XX/XX/2020 they hounded me that i had to sign a contract again or couldn't keep coming. So, signed it, then in XX/XX/2020 i started having some serious health problems and ended up losing my job. I had no money coming in, contacted anytime XXXX told them of the circumstances with my job and health issues. They then told me i would have to have a letter from my Dr saying i couldn't do the gym. My dr gave me a letter for them, i then Sent them by registered mail my key to the gym and the letter from my Dr. Never heard anything from them until i received this letter from a debt collector. Now their harassing myself and my wife by phone. I tried explaining to them and still to no avail. I am sending copies to you of registered letter and Dr letter. I feel  this is wrong in every aspect of the word.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have file a police report for fraud on XXXX XXXX XXXX this is not my account I have told the bureaus that is isnt mine and they have not done anything to this day. I have also file a dispute for XXXX XXXX it is to old to be on my report and they havent remove that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Company Midland Mortgage was notified via written mail to stop communication over telephone. They continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21 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: MO

Complaint narrative:
On XX/XX/XXXX was notified that the account XXXX.XXXX. XXXX was not going to be removed, then requested reinvestigation and sent it for XX/XX/2020 and still have not gotten any results back. Also this account has never been VALIDATED OR VERIFIED. I would like for this account to be REMOVED IMMEDIATELY!! It is not fair that you treat consumers this way.

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 2020-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Recovery Systems, Ltd
State: SC

Complaint narrative:
I asked many times for an itemized list of the things I was being charged for and they would not comply! Then the guy kept insisting I just go ahead and pay half without seeing a bill. When I told him I wasnt paying for anything without being showed exactly what I was being charge for he got rude and told me that I they would just keep harassing me and that my credit would be ruined until the bill was paid. I told the fellow he cant expect someone to fork over hundreds of dollars without being shown what exactly they are being charged for. Then the guy hung up on me when I asked to speak to some one higher up .... When I called back the number was disconnected and no longer in service. I call the number on the bill they sent me and its to a whole different collection company. The lady there tells me its not just one hospital bill I owe, it is quite a few. I owe thousands of dollars in hospital debt. I told her the bills arent mine and that she must have the wrong person and she got rude and told me it was my credit it would effect not hers. So I hung up on her and called the hospital where the bills were supposedly at and billing told me I have no accounts in collection there at all ... the one I did have in collection was paid in full last year by my insurance ... I then called the hospital where the original debt was from, the one I asked for the itemized list for and the hospital tells me that the account is paid in full. 

Now Im very worried because these people have my social security card and threatened to ruin my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: AL

Complaint narrative:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XX/XX/2020, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX shows XX/XX/2020, Experian shows XX/XX/2020 and XXXX has XX/XX/2020. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DEPTEDXXXX Account # : XXXX Account Name : DEPTEDXXXX  Account # : XXXX Account Name : DEPTEDXXXX Account # : 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