vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TN

Complaint narrative:
XX/XX/2017 a collection was placed on my credit for {$3000.00}. XXXX years later the balance went up to {$5400.00} for alleged damages for a 2 bedroom apartment. I was told to vacate the property within 7 days because my police K-9 bit a neighbors dog requiring 1 stitch, which we offered to pay for. However, the resident chose to report it to the front office and the manager notified my family that we would have an eviction on our record if we didnt leave within 7 days. This obviously violated our lease terms with us having to pay for months of rent without residing at the property. The damage estimate was severely inflated as I was a real estate appraiser for 10 years and based on cost to replace a new 2 bedroom would be far less than the collection. The estimate was not realistic and extremely exaggerated. I am a 100 % Total and permanent XXXX Veteran who served XXXX branches of the military and served my community as a XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Home Depot has worked with the Federal Gov't or other law enforcement to engage in an inappropriate investigation into our home. This also involves XXXX. They set up a XXXX XXXX account under my husband 's old number XXXX. I'm having issues with XXXX above my head every time I go outside. Home Depot shows my IP address as XXXX XXXX, CA. This aligns to court signed documents, etc. This is also an XXXX issue. They are involved with XXXX XXXX. I live in XXXX at XXXX and they are trying to pin crimes on me! Home Depot never put my balance on the promotional rate offered after spending over {$290.00} on my last purchase. They changed my paper statements to e-bills so I would miss my bill and they put me in collections. This is so crazy! They don't acknowledge or investigate anything! Citibank COSTCO card is the same way with the zip code being in XXXX XXXX and the fraud too!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: OH

Complaint narrative:
US bank charges me interest when I an the balance off every month.there should be no interest charge like when I pay balance off on all other credit cards I ever had or have.they say the pay off balance is different.they are ridiculous

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 2021-05-23 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: TX

Complaint narrative:
XXXX sent numerous of factual disputes on XXXX XXXX XXXX including screen shots of inaccurate information being reported on my credit report including different high credit section and the comment section .XXXX and Equifax keep reporting my information as updated with the same errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
XX/XX/2021 Caine & Weiner was sent a debt validation letter along with a cease and desist letter through certified mail. Ive requested proper validation pursuant 15 usc 1692g of the FDCPA. Ive also requested to see a contract between Caine & Weiner and I showing that Ive agreed to pay an alleged debt. I did not consent to, authorize nor benefit from Caine & Weiner account on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I wrote to SageStream in XXXX of XXXX and received a response on XXXX of XXXX. This is an egregious violation of FCRA which requires a response within 30 days. 

Pursuant to the FCRA, SageStream is required under federal law to investigate and must correct or delete inaccurate, incomplete, or unverifiable information. I am requesting a correction to the following information used to computer my score AND a description of the procedure used to determine the accuracy and completeness of the disputed information, both which are required under FCRA. 

SageStream wrongfully claims that there is, " Limited history for consumer at this phone ''. This information is inaccurate. I have had one and only one mobile phone number in my life. This number is XXXX, and I have had it since XX/XX/XXXX. 

I have had one and only one home phone number in my life. This number is XXXX, which was associated with my address prior to my date of birth. Therefore, this number has been associated with me since XX/XX/XXXX. There was a change of the phone numbers area code on XX/XX/XXXX, during which the area code changed from XXXX to XXXX. This change was done by the telephone company for all people in the area code. 


SageStream wrongfully claims : " Consumer associated with phone changes ''. This information is inaccurate. There has never been a change in any phone number associated with my name, other than the statutory change of area code listed above.

SageStream wrongfully claims : " Distance between prior residences ''. This information is inaccurate and incomplete. I have never had another residence. The only residence I have ever had is : XXXX XXXX XXXX, XXXX, NY, XXXX. The report incompletely lists my address without the state and town listed on my consumer report. This address should be complete and consistent with the address above. Therefore, there should be no distance prior residences because I have had only one address. It is the same address and any reasonable person reading the information in the report should understand that.

Moreover, SageStream has been irresponsible in their transition to ownership by XXXX and has not done their due diligence in forwarding mail from their XXXX XXXX address to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: DC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my wife and children.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I had an auto loan through Capital One and made biweekly payments through automated withdrawals from my account. I made a payment on XX/XX/2021 and a week later I was in the process of trading in the vehicle. The dealership paid the car off on XX/XX/2021 and received the title on XX/XX/2021. Capital One then reported me to the credit bureau with a Late Payment in XXXX XXXX dropped by credit score by XXXX points. I have spoke to several representatives who indicate that they did not report me but it clearly shows on all 3 of my credit report. I have called numerous times and it is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Please note 15 USC 1681 and 15 USC 1692A ( 3 ) in this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: DC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my wife and children.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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:
On XX/XX/2021 and XX/XX/2021 I sent factual disputes with proof showing this inaccuracies in the date opened, high credit limit and the comment section.They updated this with the same errors.

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 2021-05-23 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:
On XX/XX/2021 and XX/XX/2021 I sent factual disputes with proof showing this inaccuracies in the date opened, high credit limit and the comment section.They updated this with the same errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: PA

Complaint narrative:
I have disputed account U.S Bankruptcy Court Ref # XXXX XXXX XXXX XXXX PENNSYLVANIA with Transunion at XXXX XXXX XXXX, XXXX XXXX, PA XXXX or XXXX XXXX XXXX, XXXX, PA XXXX I have Disputed this item 4 or more times with Transunion. I mailed a dispute letter on XX/XX/XXXX and transunion recieved it on XX/XX/XXXX. Transunion never responded and claimed they never recieved it already violating my rights as a consumer according to the FCRA, please see tracking below on the attached XXXX receipt with the address oXXXX XXXX XXXX XXXX XXXX, PA XXXX. I then called since the letter did not work to file a dispute on XX/XX/XXXX with a verified response on XX/XX/XXXX but they could not have verified the information or did any real research because XXXX XXXX no longer reports that account. I spoke to three separate supervisors and made another dispute with all three of them. The most recent being XX/XX/XXXX with another verified response. 

I tried to call Transunion with XXXX XXXX on a three way call and they said thety could not speak to XXXX XXXX. XXXX XXXX would have confirmed that they should remove the account. They are claiming XXXX XXXX verified it as accurate however XXXX XXXX has confirmed verbally and in writing that there is no public record on my file. See proof of attached XXXX XXXX report summary showing a deleted bankruptcy account. XXXX XXXX also submitted two disputes with Transunion directly with no response or change in the reporting. 

I also provided proof from XXXX  and XXXX  showing that they are no longer reporting the inaccurate account regarding this record. Pleas See the attached Reports. 

I also Provided a police report after experiencing this incident once I learned my rights as a consumer under the FCRA.

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 2021-05-23 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
On all 3 of my credit reports, I have 2 different Debt buyers reporting I have 4 different loans that went into collection. 
I can prove to you that the debt buyer XXXX XXXX XXXX has 2 loans on my credit report, but its the same loan, they just put another account number and a higher debt this loan. ( account ). Every time I call they don't won't just the past due bill, they want to make a payment plan, that I simply can't afford. They will not work nothing out with me nor will they take 1 of the same accounts off my credit.

I've complained to all 3 Major credit bureaus with no luck.

I can also prove that another debt buyer has 2 of the same accounts on my credit report. These are old debts, I have no excuse, but they or doing me wrong.

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 2021-05-23 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
On all 3 of my credit reports, I have 2 different Debt buyers reporting I have 4 different loans that went into collection.

I can prove to you that the debt buyer LVNV Funding LLC has 2 loans on my credit report, but its the same loan, they just put another account number and a higher debt this loan. ( account ). Every time I call they don't won't just the past due bill, they want to make a payment plan, that I simply can't afford. They will not work nothing out with me nor will they take 1 of the same accounts off my credit.

I've complained to all 3 Major credit bureaus with no luck.

I can also prove that another debt buyer has 2 of the same accounts on my credit report. These are old debts, I have no excuse, but they or doing me wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I had cable T V service with XXXX XXXX XXXX years XXXX XXXX. I was issued 1 cable box and 1 remote. 
In XXXX I terminated my service and physically returned all equiptment to an in-person location. And paid my final bill which I believe was {$120.00}. 
I never resumed any service nor receive any bills until XXXX. 
In XXXX I received a bill I believe from XXXX XXXX demanding XXXX. Although I did not owe money, I paid, in hopes of avoiding this current situation. 
In XX/XX/XXXX I received a bill from Southwest Credit Systems demanding {$1100.00} on behalf of XXXX XXXX XXXX. 
XXXX XXXX went out of business in XXXX, 9 years ago and now operates as XXXX. I called a representative to explain and request a resolution. She could not verify specific details about the account she said because the account was so old and XXXX XXXX did not release clear verifiable records when XXXX took over. 
In the interim this account was also transferred as a collection through XXXX XXXX XXXX which I was able to get dismissed. 
XXXX XXXX XXXX is selling accounts to collection agencies with zero regard to how this adversely affects prior customers. 
Recap of facts : 1. I had XXXX XXXX XXXX XXXX 2. XXXX paid in full returned all equiptment and never heard from them 3. XXXX XXXX  purchases XXXX Cable 4.In XX/XX/XXXXTEN years after I terminated my service, I get a bill for XXXX which I pay, simply to avoid damage to my payment record.When I spoke to the XXXX representative she acknowledged payment. 
5.XXXX XXXX 13 years after my final service I get a bill for {$1100.00} This is extortion. I do not owe money and additionally. I had service 13 years ago. XXXX XXXX XXXX can not exhort money from me for an account they could not verify and is 13 years old. 
Please help me. I called Southwest credit and they are demanding {$1100.00}. 
XXXX  says it's they can not verify the records because they do not have full information and the account has been sold. This has been reported to XXXX  as well. XXXX  removed the charge when the account was sold to XXXX XXXX XXXX. 
The statute for negative reporting is 7 years. This is a 13 year old account, which is being sold and resold to various agencies, this can not be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
This evening, XX/XX/XXXX, my vehicle was repossessed for no reason and the police were involved because I refused to let the tow driver take it as I provided proof that I was not behind on my payments and my insurance is paid and up to date. He stated Bridgecrest placed it in repossession for {$50000.00}. How can that be when the vehicle isnt worth {$50000.00}, its a XXXX XXXX and Im current on everything. Bridgecrest provided false information to the XXXX XXXX XXXX and my husband was assaulted fir attempting to get some of our stuff out of the car. Since this was a civil matter I told him the police cant make me give up something especially when Im not wrong. 

The information the tow driver provided was on a computer screen which said I owed {$50000.00} dollars for a XXXX XXXX. They seem to make a lot of mistakes. The officer, XXXX XXXX, Ohio Ohio Department, also told the tow driver everything was current and my next payment wasnt due until XX/XX/XXXX and also told him my insurance is current and paid. If a warrant is issued and theres a mistake its no good so how did the driver take my vehicle? 

This is the second time this has happened the last time was XX/XX/XXXX and it took me a week to get my vehicle back and I had to pay double what they said I owed. The took my vehicle to the auction in XXXX, Ohio after telling me my car wasnt going anywhere and it would be in XXXX, Ohio. I had to take a day off work to drive 3 hours to get my vehicle and we paid for a hotel stay because the auction lot closed at XXXX. I thought it took 90 days before they could put a vehicle up for auction. 

Now the tow company comes and my husband gets assaulted by the driver. The same driver almost smashed my hand in the back hatch because I opened it. Bridgecrest has caused me and my husband stress in the past and now its escalated to my husband being physically assaulted. 

I can be reached at XXXX. I have everything to proof there is no defaults.

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 2021-05-24 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX  's Credit Bureau XXXX/XXXX -Inquiry date : XX/XX/XXXX. No amount, I called and talk to one of the customer rep and she stated that there is no account in my name and she will send the information to the credit bureau to get removed but that haven't happen as of yet. 

XXXX XXXX  -Inquiry date : XX/XX/XXXX. No amount, I called and talk to one of the customer rep and he stated that there is no account in my name and she will send the information to the credit bureau to get removed but that haven't happen as of yet. 

XXXX -Inquiry date : XX/XX/XXXX. No amount, I called and talk to one of the customer rep, why do I have 2 inquires one from XXXX  and one from XXXX. They couldn't give me a valid answer so this transaction never got completed and called to get it removed since but no resolution on this issue. 

Equifax Credit Bureau EQUIFAX MORTGAGE SER -Inquiry date : XX/XX/XXXX. No amount, I called and talk to one of the customer rep to get a called back to discuss why was my credit pulled, when all I wanted to know was the process and get some information how long from start to finish it will take. Received a call back and stated by the rep that after 3 Months a mortgage inquiry will not hurt my score. But he was missing the whole point it shouldn't have been on my report at all because I was trying to get information and procedures. 

XXXX XXXX XXXX XXXXXXXX -Inquiry date : XX/XX/XXXX. No amount, I called and talk to one of the customer rep, why do I have 2 inquires one from XXXX  and one from XXXX. They couldn't give me a valid answer so this transaction never got completed and called to get it removed since but no resolution on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Consumer Adjustment Company Incorporated
State: MO

Complaint narrative:
they reached out to my current employer by fax asking if I still worked there. 
This has caused tension at work.

Company response to consumer: Closed with explanation