vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
In early XX/XX/XXXX, I received a debt collection letter from Credit Management LP stating that I owed a debt to XXXX XXXX in the amount of {$170.00}. The next day I mailed them a debt verification letter through USPS certified mail. In the letter, I informed them that I disputed the debt because I had spoken to XXXX about the inaccurate debt and I was awaiting a response. I informed them that when I had XXXX I closed the account in XX/XX/XXXX. When I closed the account I had a XXXX balance and received a final bill. Almost 2 months later I received another bill that was {$170.00}. I called and a representative named XXXX and then XXXX stated that they didn't know why. I was then told to go into an XXXX store to discuss it with a store rep. I went to the store and asked for copies of the bills to verify the information and was told that they can only show me the last bill and could not print in-store because they were saving paper. The store rep stated that after I closed my account that an adjustment had been made but she didn't know why and that I needed to call back. She also stated that she had ordered all of my past bills and payments to have them mailed to me. I never received the bills, payment history nor a phone call back about the debt. I then received the debt letter from Credit Management. 

Credit Management mailed me the letter only about 2 weeks ago and immediately reported it as a collection on my credit, which has negatively impacted my credit file. Instead of waiting for the 30 days that they are required to wait they decided to illegally move forward with an invalid debt collection tactic. They never even replied to the letter I mailed them asking for verification of the debt. No one has a valid reason that the debt even exists accept that XXXX/XXXX  said they adjusted a bill. This is an underhanded tactic from XXXX for me canceling their service and Credit Management attempting to make money from an invalid, unverified debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-13 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I got the car a few years ago. I paid the company for repair service contract per month. Which meant I should be able to get the car fixed anywhere and not have to pay anything over 100. I kept having problems with the car that I was having problems to get fixed because no mechanics accepted it. I tried taking the car to the dealership to fix it, the would not. I explained to them that I was newly divorced mother of XXXX   and could not afford to pay the expensive car note per moth as well as the payments for the extensive repairs. I now have a repo on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Protection Association, L.P.
State: RI

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: RI

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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:
ON XX/XX/2020 I RECEIVED AN EMAIL FROM MY CREDIT REPORT MONITORING SERVICE OF A NEW ADDRESS THAT WAS ADDED TO MY CREDIT PROFILE. I IMMEDIATELY CHECKED ON EQUIFAX.COM AND FOUND FRAUDULENT ACCOUNTS AND ADDRESSES THAT DO NOT BELONG TO ME. I HAVE NEVER BENEFITTED FROM ANY OF THESE ACCOUNTS NOR HAVE I EVER LIVED IN FLORIDA OR UTAH OR ANY OF THE ADDRESSES LISTED IN MY REPORT. PLEASE REMOVE THESE ACCOUNTS AND ADDRESSES ASSOCIATED WITH MY CREDIT PROFILE. I HAVE FILED A POLICE REPORT AND CONTACTED EACH COMPANY INVOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have been disputing various accounts with your bureau and to this day I have not received answers on why or how these accounts remain on my credit report. Your agency has continued to allow reporting on invalidated information. I have continued to dispute these claims multiple times and all I have seen is the accounts being updated or verified. How are these accounts being verified? Who is verifying this information? What documents do you have to support these claims? I have yet to receive an original contract with my signature from any of these accounts so how is this being tied to me? How are they verifying this information as accurate with you? This has been detrimental to my credit report and I am seeking legal counsel. Please prove to me how you are validating the below accounts. If you are unable to prove that these accounts belong to me then I ask that you remove the accounts from my credit report. Please provide me proof that you have the contracts proving these are mine. If not, please remove it. 

- XXXX/XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX - XXXX XXXX - XXXX/XXXX  XXXX - XXXX XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: CA

Complaint narrative:
filed date XX/XX/XXXX disposition date : XX/XX/XXXX type : Misdemeanor assault and battery disposition : convicted unsupervised probation for 3 years

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: SC

Complaint narrative:
I have been disputing various accounts with your bureau and to this day I have not received answers on why or how these accounts remain on my credit report. Your agency has continued to allow reporting on invalidated information. I have continued to dispute these claims multiple times and all I have seen is the accounts being updated or verified. How are these accounts being verified? Who is verifying this information? What documents do you have to support these claims? I have yet to receive an original contract with my signature from any of these accounts so how is this being tied to me? How are they verifying this information as accurate with you? This has been detrimental to my credit report and I am seeking legal counsel. Please prove to me how you are validating the below accounts. If you are unable to prove that these accounts belong to me then I ask that you remove the accounts from my credit report. Please provide me proof that you have the contracts proving these are mine. If not, please remove it. 

- XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX/XXXX XXXX - XXXX/XXXX XXXX - XXXX/XXXX - XXXX XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: MA

Complaint narrative:
I have presented Experian with the request for support to have the incorrect information that appears on my consumer report corrected and for the removal of the items that I have listed pertain to identity theft and the misuse of my information. 
I have not received an appropriate response from the part of Experian and in my last attempt to commission support I have been left on the phone for one and a half hours and then the call was simply ended without appropriate resolution.

I am a person with a XXXX  and the continuous disregard of my concerns and poor communication is not the experience that myself or any concerned consumer should have when documenting that they have been a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AES/PHEAA
State: GA

Complaint narrative:
All of my Student loans have been charged off and updated as paid to a balance of XXXX. But it is still on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CNG HOLDINGS INC
State: NC

Complaint narrative:
I leased a refrigerator from The XXXX outlet store located at Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX on XX/XX/XXXX. I exercised my early purchase option on XX/XX/XXXX and paid off my lease. I then decided to cancel my 5 year XXXX purchase plan warranty on the same day. ( cost of XXXX ). I started making phones call at XXXX XXXX est on XX/XX/XXXX, after being transferred multiple times, and dropped into different call queues, I was able to get the warranty cancelled, HOWEVER I am now being told that I have to wait 15-21 business days in order to receive a CHECK for {$590.00}, because it is there policy to issue a refund to the method of payment that they have on file. THE METHOD OF PAYMENT ON FILE IS MY DEBIT CARD that I have been paying with since XX/XX/XXXX. It does not make sense that I have to wait all of this time to get my money back! They need to issue my credit onto my card. I received a series of conflicting answers through out this entire process from both the people the XXXX outlet, TEMPOE, and WHY NOT LEASE IT ( same company ) horrible customer service, incompetent people, and poorly trained. I also found out that the address they have on file is incorrect on the first go around, the rep said he fixed it, but when I called back, it is still wrong. So whatever check they are sending me, will not reach me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc.
State: MD

Complaint narrative:
After viewing my credit file, I noticed I had a collection account. XX/XX/2019 I sent the collection agency a validation letter asking for proof. Under the FDCPA, if the collection agency doesnt validate then they no longer can collect payment and is required to removed the debt. Being as though I never received any letters or notices from this collection agency prior to this collection on my file is weird to me. Also, the CA did not satisfy proof of this alleged debt, therefore I am making a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: MA

Complaint narrative:
Theres an account on my credit report that isnt mine, I need this account verified or deleted from my credit report. I want this company to provide me with the original contract bearing my signature, where it shows that I agreed to pay them anything. This account is now a charge off and it is affecting my credit really bad, I want the company to tell the credit bureaus to delete this account from my credit report. The balance on this account is {$43.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello my name is XXXX XXXX XXXX, and Experian hurt my business by dropping my credit score by 80 points by a single " collections debt by XXXX XXXX unpaid final bill that was about THREE years old very old old bill just sent to collections. 

Dropping me 80 point, is totally TOTALLY UNFAIR. 

I had a XXXX credit score i worked hard on for over a year paying down my debt and getting my credit score up. Experian credit bureau on one Collection debt three yeaas old and now reported dropped me 80 points to XXXX I am demmaning it to go back where it was, i paid that collection right away and it still shows with a 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 non-monetary relief
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Portfolio Control Inc.
State: TN

Complaint narrative:
information below is creditor I'd like to file complaint, my credit score dropped 131 points from XX/XX/XXXX - XX/XX/XXXX because of the false information they'd reported to credit bureau and I've filed a disputed which is completed and deleted ( see below ) but need to request how to get my credit score back up? please advise thank you XXXX XXXX CENTRAL PORTFOLIO CONT Account XXXX This item was removed from your credit report. Please review your report for the details. 
XXXX icon Deleted You can contact CENTRAL PORTFOLIO CONT at XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX, MN XXXX or ( XXXX ) XXXX-XXXX  After your dispute : This item was removed from your Credit Report. 
Before your dispute : Account NameCENTRAL PORTFOLIO CONTRO Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. 
Status UpdatedXX/XX/XXXX Balance {$150.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX   Monthly Payment {$0.00} Original Balance {$150.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX Payment History XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX Historical Information First ReportedXX/XX/XXXX Original CreditorXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: NY

Complaint narrative:
I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: MA

Complaint narrative:
I have presented XXXX with the request for support to have the incorrect information that appears on my consumer report corrected and for the removal of the items that I have listed pertain to identity theft and the misuse of my information. 
I have not received an appropriate response from the part of XXXX and in my last attempt to commission support I have been left on the phone for one and a half hours and then the call was simply ended without appropriate resolution.

I am a person with a XXXX and the continuous disregard of my concerns and poor communication is not the experience that myself or any concerned consumer should have when documenting that they have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ON XX/XX/2020 I RECEIVED AN EMAIL FROM MY CREDIT REPORT MONITORING SERVICE OF A NEW ADDRESS THAT WAS ADDED TO MY CREDIT PROFILE. I IMMEDIATELY CHECKED ON XXXX AND FOUND FRAUDULENT ACCOUNTS AND ADDRESSES THAT DO NOT BELONG TO ME. I HAVE NEVER BENEFITTED FROM ANY OF THESE ACCOUNTS NOR HAVE I EVER LIVED IN FLORIDA OR UTAH OR ANY OF THE ADDRESSES LISTED IN MY REPORT. PLEASE REMOVE THESE ACCOUNTS AND ADDRESSES ASSOCIATED WITH MY CREDIT PROFILE. I HAVE FILED A POLICE REPORT AND CONTACTED EACH COMPANY INVOLVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: CA

Complaint narrative:
ON XX/XX/2020 I RECEIVED AN EMAIL FROM MY CREDIT REPORT MONITORING SERVICE OF A NEW ADDRESS THAT WAS ADDED TO MY CREDIT PROFILE. I IMMEDIATELY CHECKED ON XXXX AND FOUND FRAUDULENT ACCOUNTS AND ADDRESSES THAT DO NOT BELONG TO ME. I HAVE NEVER BENEFITTED FROM ANY OF THESE ACCOUNTS NOR HAVE I EVER LIVED IN FLORIDA OR UTAH OR ANY OF THE ADDRESSES LISTED IN MY REPORT. PLEASE REMOVE THESE ACCOUNTS AND ADDRESSES ASSOCIATED WITH MY CREDIT PROFILE. I HAVE FILED A POLICE REPORT AND CONTACTED EACH COMPANY INVOLVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A letter was sent to Experian on XX/XX/2019. Included were 4 accounts that needed to be updated or removed. This was a follow up letter for my initial request for validation of debt that was also ignored by Experian. This investigation was originally started XX/XX/2019 and additional time has been given to allow the bureau to complete its investigation. The items are clearly not reporting correctly or a response to the dispute would have been issued.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Purchased a new XXXX in XX/XX/2019. Financed through Toyota Financial. Told and shown that I can may additional payments towards  principal of the loan without penalty. This is accurate however, you can not use online bill pay or the website provided by Toyota to  make additional principal payments. Any additional payment is automatically applied towards your next payment. There is information that says if you want to make an additional payment towards principal you need to mail in a check! Who uses checks anymore? Or you can call them. So I called them and told them that I want every additional amount to be applied towards the principal. Can't do that. You have to call in every single month if you want it applied or mail a check. How in this day of computers can't you not take an additional principal payment? Sure they will take the extra payment but you have to jump through hoops to make it happen. How can this be legal? It is like they don't want people to pay their loans off early. How is this not predatory?

Company response to consumer: Closed with explanation