vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
During the month of XX/XX/XXXX, I sent out letters to the U.S. Bankruptcy Court in XXXX, FL as well as Experian, XXXX and XXXX  requesting that the bankrupcty discharge on my credit reports be removed because they are inaccurate and non-verified because the courts do not verify with CA or third parties.

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 2018-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
A letter sent to NCC Business Services Inc, XXXX XXXX XXXX # XXXX, XXXX FL XXXX requesting the following : Explanation of what the amount owed, additional collection fees and how it was occurred. 
Copies of all documents and identification of the original creditor. 
Proof that the Statue of Limitations has not expired on the account. 
Proof that you are licensed to collect in my state. 
Your license number and Registered Agent Documentation. 
I also advised the collection agency that the amount owed was paid when we moved out of the apartment ( XXXX XXXX ) and the amount they are requesting is extortion. NCC is stating I owe {$2700.00} and has been reporting it to my credit report since XX/XX/2012. I have suffered 6 years of extortion of fees, negative/false credit reporting and have requested for the item to be removed but the company has not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Requested a copy of free report from TransUnion on XX/XX/XXXX ; report was to arrive on or before end of 15 business days. Report did not arrive within 15 business days on or before XX/XX/XXXX.

Called TransUnion on XX/XX/XXXX to report I never received my free credit report.

I was told my free credit report had been mailed and I should have received my copy.

TransUnion agreed to send second copy on XX/XX/XXXX and it would be delivered to my home address by no later than XX/XX/XXXX Did not receive my free copy of credit report by XX/XX/XXXX Tried to call TransUnion on XX/XX/XXXX. My phone calls were disconnected three times.

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 2018-03-19 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: CA

Complaint narrative:
Equifax continues to neglect to properly investigate inaccurate information thats being reported to my credit file. I've sent police reports and fraud affidavits to Equifax to help aid in correcting the issue but Equifax continues to ignore information and not correct. XXXX XXXX   and XXXX XXXX XXXX is a direct result of ID Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: TX

Complaint narrative:
I have an account on my credit report that caused me to be denied housing onXX/XX/XXXX.

I contacted the agency who is listed : XXXX XXXX XXXX  Reported : XX/XX/XXXX{$1600.00} Needs Attention Overview You've paid off 0 % of your collection amount.

Balance {$1600.00} Highest Balance {$1600.00} OpenedXX/XX/XXXX( 7 mos ) Account status Open Type No Info Responsibility Individual Account.

Original Creditor Name XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX   XX/XX/XXXX I disputed the information. Then in XX/XX/XXXXI called again to XXXX XXXX and they told me to call another company, XXXX XXXX XXXX. But they're the company on my credit report and this other company has never heard of me.

I have a recording of the call.

I have disputed this with Equifax twice and they have " confirmed '' it twice. But Equifax says they are confirming my name and not social security number. So they asked them to verify mu social security number the the second time. They " confirmed '' but it's IMPOSSIBLE because I've never leased with them. Nor are they supplying the social security number they have.

I have owned my house sinceXX/XX/XXXX that I'm now trying to sell. Also there isn't an inquiry for when this " account '' was opened in my credit file to have alerted me to something even going on in my name, which I don't think is the case, as when I call XXXX XXXX, giving them my social and other information they don't have account and refuse to speak to me. But I can't get them off my credit report either.

I would really like to be able to stop sleeping on the floor of a friend 's place and get my own. But this is preventing me from having a place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Repeatedly have asked Portfolio Recovery to remove and send me information when account was opened, how it was opened, who opened and signed for card. They have no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
XX/XX/2018 I contacted XXXX as a result of identity theft and inform them that I have not received no credit or any phones from them and that they needed to correct my credit report as they have denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Repeatedly have asked XXXX XXXX to remove and send me information when account was opened, how it was opened, who opened and signed for card. They have no information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Cap One Inquiry from XX/XX/2018 Through XXXX XXXX I learned that the above hard inquiry was made in an attempt to get credit in my name. I did not initiate this or part of this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19 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: CITIBANK, N.A.
State: IL

Complaint narrative:
XX/XX/XXXX RE : XXXX XXXX XXXX SS # XXXX XXXX/CITIBANK Card To Whom it May Concern : In XX/XX/XXXX this account was reported as Late 30 days to the credit bureau. I have had a longstanding relationship with your institution for several years. 11 years ago Citi Bank afforded me the opportunity of my very first credit card. Since then, I have been able to continue to further my credit relationship with Citi and with other creditors. I can proudly say I have great credit. 
Account # XXXX was closed at my request months prior to the late pay being reported. I then went months without receiving statements and have had a very difficult time with logging into Citi Cards online platform. I recently requested that all of the statements from the last several months be mailed out to my home address. To this day, access to online banking has not been made possible. 
Considering the circumstances detailed above and the fact that I have been a longtime client with a great payment record and no other late pays of any kind on my credit file, I would like to respectfully ask for a goodwill deletion of the late pay off of my credit profile. This would allow me to restore my credit to the level at which it was prior to this late pay having reported. This seems fair considering the fact that statements never arrived, even after I requested to be taken off of online statements. 
Please feel free to reach out with any questions or concerns. Thank you! 


Best Regards, 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 2018-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
XX/XX/2018 made contact with XXXX in regards to a collection account on my credit report and they have denied to removed it, after I have provided with documents that this is not my account and I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I opened a XXXX XXXX account in XX/XX/XXXX in that time I have been late with payments. However I have paid my balance. My credit limit was {$350.00} for three years. On XX/XX/XXXX XXXX XXXX went into my account and changed my credit limit to {$100.00} dollars. I recently submitted them a payment on XX/XX/XXXX of {$150.00} dollars. I received no warning about them decreasing my credit limit and they have never done this before. I informed them that I did not want a credit with a limit of {$100.00} dollars and that was not my initial credit limit. Customer Service and the Supervisor informed me that I could close my account and it would be reported as a closed account on my credit report which would lower my credit score. I feel like I am being forced to keep a card that the original limit was changed and if I don't it will affect my credit score. I have no documents because I was never notified by mail. I had to call them myself

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
AWA collections has been reporting inaccurate information for the past two years to all three credit bureau 's. I've sent numerous certified letters over the past year requesting they send documentation regarding this account so that I can verify it's contents. They have ignored my requests yet continued to report inaccurate information which has resulted in a lower credit rating as well as a denial of a mortgage application. They also continue to harass my family members and co-worker 's regarding this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express sent an offer for XXXX MR points as a targeted offer last year. I needed to spend {$5000.00} in 90 days in order to receive the offer. I completed the terms and have not received the targeted promotion. I have made several calls to their Membership Rewards team and to this date have not received a response or resolution. I continue to get the run around on this issue and it is becoming increasingly frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
None of your selections apply to my complaint. It is the overall credit process that has me upset. In summary : - when we refinanced our house in XX/XX/2006 our average scores were both XXXX! ( We have worked hard at keeping our credit in the very good range. ) - today, my avg. is XXXX and my wife 's is XXXX - absolutely nothing has happened betweenXX/XX/2006 and now except : -- we moved out of state and opened a local bank account and a local credit card -- we bought a car -- we re-financed the car to save XXXX and in the process of switching missed a single payment due to confusion over which lender had the loan -- we are now in the process of buying a house and applying for a mortgage I fail to understand how the actions above have resulted in such a significant drop in our credit scores. A drop, sure, but this big of a drop is going to cost us a great many dollars over the next 30 years - and new we're retired and on a fixed income! 
This is egregious in my mind. I guess this is how the process works, but I still find it outrageous.

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 2018-03-19 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
None of your selections apply to my complaint. It is the overall credit process that has me upset. In summary : - when we refinanced our house in XX/XX/2006 our average scores were both XXXX! ( We have worked hard at keeping our credit in the very good range. ) - today, my avg. is XXXX and my wife 's is XXXX - absolutely nothing has happened between XX/XX/2006  and now except : -- we moved out of state and opened a local bank account and a local credit card -- we bought a car -- we re-financed the car to save , and in the process of switching missed a single payment due to confusion over which lender had the loan -- we are now in the process of buying a house and applying for a mortgage I fail to understand how the actions above have resulted in such a significant drop in our credit scores. A drop, sure, but this big of a drop is going to cost us a great many dollars over the next 30 years - and new we're retired and on a fixed income! 
This is egregious in my mind. I guess this is how the process works, but I still find it outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
At the conciliation court conference on XX/XX/XXXX, lenders counsel confirmed that a TPP had been offered and verbally reported that they amount due is {$560.00} due XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but did not mention needing a signed returned agreement. On XX/XX/XXXX, the homeowner received a billing statement from Ocwen dated XX/XX/XXXX, confirming the amount of the TPP : {$560.00}. Timely payments were made XX/XX/XXXX & XX/XX/XXXX. They were accepted by Ocwen and as of this date have not been returned to the homeowner. On XX/XX/XXXX, an email attachment with a letter from Ocwen was received by the housing counselor ( sent from lenders counsel ) stating that the modification offer was not forthcoming and was being cancelled/denied because the homeowner had not returned a signed copy of the TPP offer. However, the homeowner had never received a detailed TPP offer packet. She was not given a copy of the TPP offer until XX/XX/XXXX via email from lenders counsel. *HOMEOWNER HAS NEVER RECEIVED THIS OFFER BY MAIL* The homeowner immediately signed and returned the TPP offer, but at the conciliation court conference on XX/XX/XXXX, the homeowner was told by lenders counsel ( after mistakenly telling her that shed been denied for missed TPP payments ) that she would have to reapply for another TPP. Ocwens counsel reported that Ocwen would keep the submitted TPP payments and apply them to the delinquency but not modify the mortgage.

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 2018-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VT

Complaint narrative:
XXXX XXXX XXXX, XXXX Hours of Operation ( EST ) : XXXX to XXXX Mon-Fri., XXXX to XXXX Sat., XXXX to XXXX Sun. Company Address : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, VA XXXX Disputes : Call XXXX or write to : XXXX XXXX XXXX, XXXX, Disputes Department, XXXX XXXX XXXX, XXXX, VA XXXX Disputes E-Mail address : XXXX This company continues to harass, has contacted employers like XXXX XXXX XXXX in XXXX XXXX, VT costing me a job. While serving in the Vermont XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX this company held up my security clearance due to Account Number : XXXX Seller : XXXX XXXX XXXX XXXX XXXX. Merchant : XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX. Creditor to whom Debt is Owed : XXXX XXXX XXXX, XXXX Current Balance Due : {$900.00} by paying XXXX or XXXX pay by mail - checks n payment to : XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, VA XXXX Offering Single Payment *pay {$310.00} and save {$580.00} if payment received by XX/XX/2018, this harassment has cost me several {$25000.00} to {$170000.00} XXXX   XXXX, XXXX XXXX, XXXX XXXX, it caused the lost of a relationship and XXXX  children. I want the harassment to stop, reported this company to the Vermont Attorney Generals Offices throughout Vermont, was serving in the US Military when then pulled an illegal court date while I was out XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. This is a case of identity theft, they keep doing this around certain dates of birthdays with men with our names, many with my name have been contacted and told about this debt, this debt goes from {$1600.00} to {$900.00} to the offer of 1 time payment {$310.00} to pay it all off. I have paid more than that amount, have lost well over the amount this company, these scam artist attorneys or they claim that while sending out threats to employers, friend, men with similar names and I want this stopped immediately please. This debt is insecure credit card debt and in no way after what I have tried to clear this debt and have lost will it ever get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Bought XXXX worth of appliances and delivery guy was abusive when he showed up. We declined the order and requested a full refund.. We even had to call the police on the driver. Sears offered us a XXXX delivery rebate for the abuse. We refused. Get credit card statement and they say I owe XXXX plus fees becuase purchase xcame with a gift card of XXXX. I dispute charge and they say they have no way to cancel gift card. I tell them the number is right on the reciept. They continue to say we must argue with sears and not citibank. This is a # metoomoment. I am being forced to spend a gift card at the very place that was abusive to me. It is like asking a women to go back and live with the husband that XXXX and XXXX her. It is ludacrous to say that a gift card is non refundable. I never purchased the card it was free when the transaction was canceled so was the gift card i thought but they want me to go spend money that I do not want to spend there. I explained thier logic is just crazy but they kept saying call the abuser sears to work it out. No I disputed the charge and they never asked for documentation or proof because they just kept saying you must spend the gift card. Of course they want late fees from the non payment

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 monetary relief
Consumer complaint received 2018-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  XXXX Inquiry from XX/XX/2018 Through XXXX XXXX I learned that the above hard inquiry was made in an attempt to get credit in my name. I did not initiate this or part of this request.

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 2018-03-19 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: CA

Complaint narrative:
XXXX XXXX Inquiry from XX/XX/2018 Through XXXX XXXX I learned that the above hard inquiry was made in an attempt to get credit in my name. I did not initiate this or part of this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
A letter was sent to Midwest Recovery Systems requesting the following : Explanation of what the amount owed, additional collection fees and how it was occurred. 
Copies of all documents and identification of the original creditor. 
Proof that the Statue of Limitations has not expired on the account. 
Proof that you are licensed to collect in my state. 
Your license number and Registered Agent Documentation. 
The letter also explained that this item does not belong to me as I never did a payday loan online or in person and the item should be removed. The item has been on my credit bureau since XX/XX/2017 and doesn't belong to me at all. I requested the item to be removed immediately as no documentation was sent to me confirming the debt.

Company response to consumer: Closed with explanation