vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Integras Capital Recovery LLC
State: TX

Complaint narrative:
The collections agency of XXXX XXXX XXXX, file sue me for the wrong debt with out presentation to the court. We never set /see to the court Hearing date, the judge is bought his judgments by XXXX XXXX XXXX XXXX there wasnt court / hearing or set the date they already made by them self, The amount/ credit reporting is incorrect When I went to the courthouse I ask when the court/hearing, they told me there no date, I write responded to judge letter counter lawsuit against the interrass Capital Recovery asking the info is incorrect credit. There no response I find out there Judgments, is there is no date and is not correct debt, the collections agency never presented to me. Since my husband is already deceased, this Collections angency shouldnt looking our personal information I didnt owned to him. He should not looking our personal information/ property without our knowledge he used his attorney powers, and abusing collections tactic I didnt owned to him. I want him to be remove his attorney license. So he can not be abuses to other. XXXX XXXX is already deceased and he still suing him. I m so stressed on this situation. Pls help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: CT

Complaint narrative:
I had contacted EQUIFAX XXXX when I was applying for a mortgage to purchase a house. 
The bank noticed Equifax had someone's else 's name and address as well credit cards on my report as well as having me living at addresses I never lived at, different last names, and credit cards I did not have. I tried hundreds of times to contact EQUIFAX at the number they gave me to resolve these issues but could never get the same person twice, no one answered or I was placed on hold for over 30 minutes. I also contacted my congressman and tried to get this resolved. I did get some reports from EQUIFAX -- -AND THEY STATED THE ISSUE WAS CORRECTED- HOWEVER I NOW JUST FOUND OUT THEY NEVER FIXED THE INCORRECT INFORMATION AND WRONG CREDIT CARD NOT BELONGING TO ME.THE BANK NOTICED THIS. 

It is now XXXX and I am applying for a refinance -- and CONTRARY TO EQUIFAX STATEMENT IN XXXX THAT THE ISSUE WAS RESOLVED -- - IT WAS NEVER RESOLVED AND I STILL HAVE A CREDIT CARD WITH A BALANCE THAT IS NOT MINE. MY OTHER CREDIT REPORTING COMPANIES ARE CORRECT WITH THE INFORMATION AND I HAVE CREDIT REPORTS OF OVER 800 WITH THE OTHER 2 COMPANIES. EQUIFAX IS STILL IN ERROR AND I WANT TO BE PART OF THE LAWSUIT AS THEY HAVE RUINED MY REPORT AND RATING

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I am very upset with how I was treated by Huntington bank on XX/XX/XXXX. I had called in to figure out why I was charged with my car payment of {$470.00} and {$200.00}. I had called XX/XX/XXXX staying that I could not make my car payment. The man was like okay well can you at least pay {$200.00} today and {$270.00} another week. I agreed and he said my bank account would not be charged the {$470.00}. Well it was charged with both which at the time put my account at XXXX. My son has been battling XXXX  XXXX and it has been so so hard to pay things lately due to our hospital bills. Obviously our son comes first. When I called XX/XX/XXXX I spoke to a man who named XXXX who was rude. He had no sympathy for me said that they would have to investigate instead of giving me my {$200.00} or {$470.00} back to me. I was bawling my eyes out on the phone and asked to speak to a manager instead and he said that would not do me any good. He literally did not even try to reassure me. At this point I do not even want to talk or deal with this loan company anymore. I made a complaint about my situation, a woman called me then never got back to me!!! I just want a huge apology and the company to say they will do whatever to help me through this tough time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: IL

Complaint narrative:
I requested my credit report from Equifax on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX XXXX Accounts in the file that Equifax maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing incorrect and missing information. As well as an incorrect account number. I wrote and certified mailed a letter to Equifax challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX  XXXX Accounts and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX  or any means of automated verification. They replied back that XXXX XXXX XXXX Accounts " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Equifax Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to be provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX   verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: MD

Complaint narrative:
Every year when setting up my mortgage payment and establishing my escrow for my house insurance and tax payments, BB & T base the mortgage and escrow on an estimated tax instead of allowing the Tax Office to give them the correct amount. This in turn makes the tax office or the bank have to reimburse for overpayment of taxes which could be avoided if they would process correctly.

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 2019-07-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Riverwalk Financial Corporation
State: CA

Complaint narrative:
First issue relating to second issue : Im having an issue with a third party company named Deville that is trying to collect debt on a private loan from XXXX College. I have no idea of the charges. They are trying to collect XXXX in debt. I did not have a loan in this amount. I have never heard from this company nor have received mail from them about the cost. But it is on my credit report. I would like a detailed print out of my costs. As I remember XXXX has gone bankrupt as of XXXX. 

second situation relating to first : I went to College at XXXX XXXX campus with a XXXX XXXX in XX/XX/XXXX XX/XX/XXXX XXXX. My loan is a whopping XXXX, XXXX dollars ( gov grants and loans ) to a school that said they would provide services to their students.Many promises that included continuous learning at their campus. Such as : Update our skill set for a competitive market, free courses, Use their business center to find jobs, and have a counselor find us work. None of these promises were fulfilled. This is related to XXXX XXXX, but companies want a person that wears many hats, this means the job requires continuous schooling. 

XXXX LOAN : In this competitive job market in my field, and these change quickly. It is important to keep taking these courses to update your skill set. That was a perk that I was interested in when applying to XXXX. Unfortunately this didn't happen. I have illegal creditors trying to collect loans that I do not remember of. The only loans I have are my Government loans that I feel I should be forgiven of. In XXXX XXXX went bankrupt. I was back at XXXX XXXX XXXX to get my XX/XX/XXXX in XX/XX/XXXX. I took off a few months for personal reasons. I tried to come back and they were closed! 
As of XXXX Ive only done freelance work, I am not in my field yet and I am trying to update my skillset to get a job suited for me. I have ALL my loans on deferment and this accrues interest each year on my loans. So as for getting lied to from XXXX this is costing me more money and I have to pay back the loans. What a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: MO

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22 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: American Credit Acceptance, LLC
State: MD

Complaint narrative:
I was having hardship for along time this vehicle was a car that was purchased for my husband by me and my dad. My husband was making the payments on time until he had to go. The payment was {$700.00} dollars something I could not afford plus all the other bills that I had along with my own car payment and insurance. My husband was incarcerated in XXXX. I tried my hardest to keep up with the loan and other bills. By XXXX I was drowning in debt. The car was repossessed and I believe the account has been closed and charged off. I've been trying to get this removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
Hi, On XX/XX/19, I tried to add my XXXX XXXX card to my Venmo account and it was declined. I reached out to their support and was told they couldn't give me a reason or timeline for the issue. I then had no problem adding a credit card from XXXX immediately after. I believe Venmo advertises their acceptance of XXXX XXXX to get customers to sign up and provide sensitive information, but then refuses to allow them to actually use the card because XXXX XXXX typically has higher merchant fees. Additionally, a manager was supposed to reach out to me, but one never did. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have made may attempts to get this XXXX XXXX XXXX XXXX  Account removed from my credit file. I have provided Equifax with FTC Theft report and Equifax have failed to remove this account from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22 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: MO

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report.

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 2019-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Dear Sir/Madam, In early XXXX 2019 we made a trip to XXXX, renting a vehicle from XXXX XXXX XXXX  in XXXX, The XXXX. 
We returned the car on XX/XX/XXXX. without any trouble, after an overnight stay at a local hotel. As my wife has trouble walking after a XXXX XXXX, we parked on a hotel parking XXXX place, displaying our XXXX placard from the rear mirror as usual. This has never been a problem on this trip. 
On our return home, we noticed on our credit card bill a charge of {$460.00}, from the rental car company, as a fine from the local police for parking in the wrong spot. 
We learned later that the rental car owner gets the fine and is supposed to re-charge this to the customer. 
XXXX XXXX  send us an invoice, explaining that there is a system of appeal if you believe this is not correct. If you lodge an appeal to the local authorities, their website explains that NO PAYMENT is required as long as the appeal has not been decide by a local judge. We immediately informed XXXX XXXX  of our decision to lodge an appeal and questioning their reasons for paying prematurely. 
We also disputed this charge with the credit card company, Capital One. 
Last week we received a letter from the local authorities in The Netherlands that our appeal had been found valid and no fine and/or administrative costs had to be paid.All documents, with translations where necessary, have been sent to Capital One, which they acknowledged. 
We immediately informed Capital One of this course of events with the request to reimburse our account as soon as possible. 
This morning, we received a phone call from Capital One that they can not do this because the merchant ( XXXX ) has not told them to do so. A phone call and two emails to XXXX also went unanswered. Now we are between a rock and a hard place, and we would like you to intervene with Capital One to make us whole again. Thank so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNT AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THE ACCOUNT REMOVE OFF MY CREDIT FILE. THIS ACCOUNT IS A CLOSED ACCOUNT THAT IS REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
on XX/XX/XXXX XXXX XXXX XXXX XXXX sold debt that was listed and discharged on XX/XX/XXXX. bankruptcy XXXX. Finally, new tradeline now appearing on all credit reporting bureaus. TRANSWORLD SYSTEMS HAVE VIOLATED ALL CONSUMERS LAWS AS WELL AS AUTOMATIC STAY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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:
Equifax is incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX  however, Equifax has not removed this from my credit report. I have contacted the bureau to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22 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: TX

Complaint narrative:
After having excellent credit for 25 years, my bank recently informed me that my credit score with TransUnion ( " TU '' ) had dropped dramatically. They recommended that I review my TU credit report to understand why. I did so and found out that an " Adverse Account '' had been posted on XX/XX/19 by XXXX XXXX XXXX XXXX, a debt collection company, claiming that I owed {$1200.00}. Since I never heard of XXXX, I immediately filed a complaint with TU. Within a week, TU wrote back and stated that XXXX had confirmed that the amount was owed and, therefore, the " Adverse Account '' would remain on the credit report until XXXX removed it. TU suggested that I contact XXXX to resolve the matter. I called XXXX on XX/XX/19 and, after just a few minutes, it became very clear that this was a scam. The TU rep told me that if I paid them the full amount due ( or a reduced amount of {$760.00} XXXX they would remove their claim with the credit agencies. HOWEVER, XXXX could not produce ANY facts about when, who or why I owed this money. I checked out XXXX with the XXXX. Their accreditation has been " REVOKED '', their rating is " F '' and there have been 878 complaints about them in the last 3 years. My credit has been damaged by this scam. TU should be VERY SKEPTICAL about ANY claims lodged by 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 2019-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am writing to dispute fraudulent charge ( s ) on my credit report in the amount of {$680.00}. I am a victim of identity theft, and I did not make these charges. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. In addition, under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. I requested Debt validation which was to include the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? A complete payment history, starting with the original creditor.

3. Documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed?

I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. Please investigate this matter and send me a written explanation of your findings and actions.

Company response to consumer: Closed with non-monetary relief