vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX and the credit bureaus have incorrectly reported a debt on my credit report. They are being dishonest by saying my last payment was in XX/XX/XXXX. This is simply not true. I bet they can not give you anything that shows where I made a payment back then! Nothing could be further from the truth. Because there is no longer a delinquency, the debt should have been removed in 7 years and it shows as a charge-off and they have not removed the old trade line and they should have. The reason they are making things look this way, is so that they can make this look like a recent debt so that it can stay on my credit report to continue ruining my credit for years to come. They did remove the late payments. However, they are also saying that I closed the account on XX/XX/XXXX, which is also another thing that is untrue and dishonest about the way that they are reporting this on my credit report. I never called in to have the account closed. Again, anything they can do to keep an old debt reporting and to keep it there longer that it should be. This debt is supposed to be wiped clean after 7 years. We are into the 10th year, and, they are still continuing to report it inaccurately and they think that I won't notice. Nothing should show past due on the account either because the whole trade line should not be there to begin with. Yet, it shows that I owe {$5300.00}. I don't owe anything.

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 2018-12-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  XXXX and the credit bureaus have incorrectly reported a debt on my credit report. They are being dishonest by saying my last payment was in XX/XX/XXXX. This is simply not true. I bet they can not give you anything that shows where I made a payment back then! Nothing could be further from the truth. Because there is no longer a delinquency, the debt should have been removed in 7 years and it shows as a charge-off and they have not removed the old trade line and they should have. The reason they are making things look this way, is so that they can make this look like a recent debt so that it can stay on my credit report to continue ruining my credit for years to come. They did remove the late payments. However, they are also saying that I closed the account on XX/XX/XXXX, which is also another thing that is untrue and dishonest about the way that they are reporting this on my credit report. I never called in to have the account closed. Again, anything they can do to keep an old debt reporting and to keep it there longer that it should be. This debt is supposed to be wiped clean after 7 years. We are into the 10th year, and, they are still continuing to report it inaccurately and they think that I won't notice. Nothing should show past due on the account either because the whole trade line should not be there to begin with. Yet, it shows that I owe {$5300.00}. I don't owe anything.

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 2018-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2018 at XXXX we received an automated call asking to call CAPITAL ONE at XXXX. We can not proceed with having our number removed as there are hundreds of company numbers that lead to this line and the automated call does not give the option to be connected to an operator

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: GA

Complaint narrative:
This is an entry for collection for a debt that says I owe a debt of {$550.00} to this company called Trident Asset Management. This a place whom I have never done business with. I have never opened an account with them. I never signed any contract with them for anything either. So they have the wrong person and this is inaccurately being reported and reflecting bad on my credit report. I bet they can not show you anything that I bought with them bearing my signature or a contract that I signed that shows that I owe them anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
The first time the incident occurred I contacted the company, XXXX XXXX 's credit protection company via email at XXXX for assistance with my Account XXXX XXXX XXXX. As I'd signed up for the insurance protection on my account and had used the benefits previously, the most recent time of need I was denied. The company stated that I did not qualify to use the benefits once I was laid off from my job due to the fact that I worked for a temporary agency. I called and spoke with someone via phone and asked for clarification of my denial because I've worked for the temp agency for over 2 years and also when I signed up for the credit card, plus enrolled in the protection plan at the time my card was approved and opened, I was working for a temporary agency and it wasn't a problem then. I was making my payments on time and now that I needed to use the protection plan I was being denied. Upon searching for more information I found an old benefit request which was granted approved back in XX/XX/2016, I was working for a different temp agency, so why now am I being denied? If you can't work for a temp agency and utilize the benefits you're paying for that should be disclosed before offering and accepting monthly payments or enrollment for this service. If that was the case, then why did they approve my application for benefit usage during another time as a temp agency worker? The problem is that XXXX is reporting negative information to the 3 bureaus for the 2 accounts I'd had with them and they closed ( XXXX XXXX & XXXX XXXX & XXXX credit cards ). I've disputed both accounts and I've sent in written  explanation via USPS to all 3 bureaus yet they all came back as verified and updated within 1 week. How can an investigation be done that fast and proven ( as they say ) that my account was verified? Not fair and I am unsuccessful as trying to get this problem resolved, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
When i received my credit report i was shocked i had a 30 days past due in XX/XX/2013 in my capital one account number XXXX, i believe i always made my payments on time when i received the statement, most likely i did not received the statement that month, looking into my account i was never late before or after.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
keeps calling me at work 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 2018-12-12 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There was an old account appearing on my credit file with XXXX from XX/XX/2013 and now this account appears as a new account with some company named XXXX showing opened this year just a few months ago. It's re-aging an item that is hitting my scores hard.

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 2018-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is an entry for collection for a debt that says I owe a debt of {$550.00} to this company called XXXX XXXX XXXX. This a place whom I have never done business with. I have never opened an account with them. I never signed any contract with them for anything either. So they have the wrong person and this is inaccurately being reported and reflecting bad on my credit report. I bet they can not show you anything that I bought with them bearing my signature or a contract that I signed that shows that I owe them anything.

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 2018-12-12 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: GA

Complaint narrative:
Equifax should not be reporting this! This is an entry for collection for a debt that says I owe a debt of {$550.00} to this company called XXXX XXXX XXXX. This a place whom I have never done business with. I have never opened an account with them. I never signed any contract with them for anything either. So they have the wrong person and this is inaccurately being reported and reflecting bad on my credit report. I bet they can not show you anything that I bought with them bearing my signature or a contract that I signed that shows that I owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Hello, Why my referral is ineligible? 
We checked all your Terms and Condition! We met them all, both account met all conditions! 
Please credit me and the person I refereed to each {$10.00} investigate and escalate the matter! 
We need to get what we were promised and offered! 
thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX pulled a copy of my Equifax credit bureau with out my consent. I spoke with XXXX and they could give me no valid reason as to why this was pulled. 
I spoke with Equifax to dispute this and they indicated they could not remove it since we have no control of our own personal credit file. 
I can't begin to explain the problems with this situation! 
I would like to have the hard inquiry removed from my credit file. I have closed the account and while I am under no illusion that companies like this will care in slightest of loosing a good account because of nefarious behavior, I can only separate myself as much as possible from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
I should have had counseling to ensure i could repay a loan higher than that secured by homeowners for mortgages and with higher interest rates. 
i should not have had my payment triple in one year under IBR when my salary did not.

i should not have been approved for loans amounting to 100 times my yearly salary.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  should not be reporting this! This is an entry for collection for a debt that says I owe a debt of {$550.00} to this company called XXXX XXXX XXXX. This a place whom I have never done business with. I have never opened an account with them. I never signed any contract with them for anything either. So they have the wrong person and this is inaccurately being reported and reflecting bad on my credit report. I bet they can not show you anything that I bought with them bearing my signature or a contract that I signed that shows that I owe them anything.

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 2018-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I reviewed my credit report and notice that in my XXXX account number XXXX was past due 30 days in XX/XX/2017, i believe i always made the payments on time, most likely the monthly statement did not get to me on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have two IRA accounts with Citibank. One has $ XXXX. The other has $ XXXX. Citibank has charged me {$100.00} in fees a number of times over the years because of " low balance '' in the one account with $ XXXX. They refuse to take the combined balance into consideration and refuse to refund the multiple {$100.00} fees. 

In addtition to this, when I let them know that I would like to liquidate all of my Citibank accounts and rollover the funds to XXXX they informed me that it would cost {$95.00} to close the account. 

So many customer experience problems here. One - Citibank would seemingly rather me remove $ XXXX from their bank rather than refund me a few hundred dollars in feeds. Two - they want to charge me for closing my account. 

CFPB - please help! Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Telerecovery Corporation
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Complaint Department Dear Sir or Madam : I am writing to dispute the following information in my file. SOC SEC number XXXX ODB XX/XX/XXXX A report by TELERECOVERY Date Opened XX/XX/XXXX Status Collection account. {$410.00} past due as of XX/XX/XXXX. Balance {$410.00} One other account by TELERECOVERY Two Accounts by XXXX  XXXX XXXX  Theses item as matters are as collectable and valid items on my report is disputed. It is not accurate and the alleged debts are uncontrollable in Louisiana law and a violation of federal law under the fair debt collection practice law. The file are inaccurate as all have prescribed and uncontrollable. See Louisiana Consumer Credit Law, Violation of LSA R.S. 9:3552 ( E ) 60 days of final payment of consumer credit contract or 1 year for revolving loan or charge account. 

Open account, Action on LSA C.C. 3494 ( 4 ) prescribes after 3 years The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX ( and as subsequently amended ). 


I am requesting that the items be removed to reflect correct the information. 

Please re investigate this matter and delete the disputed item as required by law as soon as possible. 

Sincerely, XXXX XXXX The below deft has always been disputed - they called me at work repeatedly - the debt is uncollectable as it has prescribed under Louisiana law and is still on my credit report and has harmed me in my attempts to get a loan and insurnace rating cor car insurance. similar debts have been removed this one hasd not disptep MONTHS of efforst to resolve this matter TELERECOVERY Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$410.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ XXXX  Monthly Payment {$410.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$410.00} Balance Updated XX/XX/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 2018-12-12 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: IL

Complaint narrative:
I've tried to correct the fraud in my name with this collection agency numerous times and they continue to insist that it's owned by me. When I ask them to provide proof of my signature and or photos of the ID or driver licence used for each individual charge, they've have not done so. These are not my account. These accounts were used fraudulently. Both XXXX  and XXXX  have removed them from my credit report after XXXX XXXX XXXX provided no proof. However, XXXX has allowed them to just said that they've verified the fraud account without showing any proof. Please help me with this matter. The bills total {$100.00} and {$82.00}. Unfortunately, I don't know what date these accounts were used or made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I spoke with and Representative on XX/XX/XXXX and told them that I would still be make the plan arrangement on XX/XX/XXXX due to my payroll company has been messing up for the last pay periods. I was threatening that my car would be repo and they can cut it off while Im driving that will endanger me and my family. I called back today spoke with a Supervisor I told him since I got this vechile my payroll hasnt been right he said you have 8 arrangements that you didnt keep I explained to him like did all he other representatives that I couldnt control that our company was changing payroll company and the process has been bad for us. He told me you need to pay today or you will be repo or disable. I told him I was make the payment via credit card he was rude and than I told him yall keep calling and threatening is illegal I will be reporting it he said O we are federal regulated. This is the only transportation that I have for my family yall threatening to take and if I file this report I think they gone try to take anyway. High interest rates as well I wasnt explained this at the dealership

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 2018-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: MI

Complaint narrative:
Receivable Management Services is trying to collect a debt that is not mine for XXXX XXXX XXXX. They can not provide me with a signed contract as I have requested numerous times. The only thing they will send me is a bill that has my name on it and the amount they say is owed. They recently sent me a single piece of paper that literally only has my name, address, policy dates and amount they say is owed. Per XXXX policies an individual can not have an active insurance policy with them if they have a past due balance. They will cancel the policy and you can not get a new one until the other is paid. I currently have insurance through XXXX. The debt is not mine and I have repeatedly asked the credit bureaus to remove the account from my credit reports. They will not because they claim Receivable management has verified the account. The credit bureaus will not provide me with the documents they have to substantiate their claim that the debt is mine. The amount they are claiming that I owe is {$330.00}, and the policy number is 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