vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-16 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: LTD Financial Services, L.P.
State: GA

Complaint narrative:
I have no idea who XXXX, XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX, XXXX is indicating that an account with the account number XXXX XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX, XXXX as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ I have no idea who XXXX, XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX, XXXX is indicating that an account with the account number XXXX XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

5. Provide the delegation of authority from the Director of the Office of Management Budget to XXXX, XXXX, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : XXXX Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: Convergent Resources, Inc.
State: SC

Complaint narrative:
I wrote to XXXX XXXX XXXX and advised them that the collection account they took over was a fraudulent account and that it was already given to two other collections agencies within the last 6 months. There were two previous complaints filed with CFPB concerning this same debt, XXXX XXXX had this account and closed it out XX/XX/2018 complaint number XXXX, XXXX XXXX also got this account shortly after and once given the FTC report closed it out on XX/XX/2011. After XXXX closed out the account Convergent picked it up. XXXX sent me a letter stating that the account was valid because it had a bill attached, a bill does not mean that the account is mine. This was an account that was fraudulently opened in my name. This bill is not mine regardless of who XXXX sells this account to. I am not going to be responsible for an account that had no knowledge of.

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 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX of the associated address is incorrect on the report. I have never been associated with the address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Since XX/XX/XXXX I made a wire transfer at BECU bank in Washington XXXX for the scholarship of my sister, but before that, I went to the Bank for information about the transfer, the teller gave me what I was not supposed to miss in my process such as : Receiver 's name, the bank name, and the right Bank account, I did all of them without error, and the transfer fee which was {$35.00}. The amount is {$1500.00}, unfortunately the receiver did not receive any after a month, then I went there they recall and I have to wait until 90 days, I came back 3 months after, they asked to call receiver and tell her to go see her own bank and try solve the problem, she went there they told her they did not receive any money from XXXX. How she can solve a problem if her bank did not receive nothing. I went back there many times but what I am seeing they try to collaborate with XXXX XXXX bank and not to give me bank the money, but it is not going to work, BECU bank will refund my money. I was wondering to know where is money or what is happening to it. First all they said they able to make it but they did not tell they are going to transfer through another bank which is XXXX XXXX. Finally, they told me they could not getting any answer from XXXX XXXX, they dropped the case. I need help to know if you can do something for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: GOLD KEY CREDIT, INC.
State: WA

Complaint narrative:
There are multiple companies reporting a debt that was incurred while I was living in a different state and someone else obbously used my info to go to the er The companies are XXXX XXXX XXXX XXXX Gold key credit XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16 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: AVANTE
State: WA

Complaint narrative:
There are multiple companies reporting a debt that was incurred while I was living in a different state and someone else obbously used my info to go to the er The companies are Avante XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: Capio Partners, LLC
State: WA

Complaint narrative:
Reporting a debt incurred when I was out of state

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I received a credit card and never used it. Not even once. The card was used by someone else. I did not realize this till I recently reviewed my credit report. Wells Fargo will not remove it

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 2018-07-16 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: LTD Financial Services, L.P.
State: GA

Complaint narrative:
I have no idea who XXXX, XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX, XXXX is indicating that an account with the account number XXXX XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX, XXXX as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ I have no idea who XXXX, XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX, XXXX is indicating that an account with the account number XXXX XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

5. Provide the delegation of authority from the Director of the Office of Management Budget to XXXX, XXXX, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: PlusFour, Inc
State: NV

Complaint narrative:
I have requested XXXX to remove a medical account from my credit report and they have not.

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 2018-07-16 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: WA

Complaint narrative:
I received a credit card and never used it. Not even once. The card was used by someone else. I did not realize this till I recently reviewed my credit report. XXXX XXXX will not remove it

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 2018-07-16 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: WA

Complaint narrative:
I received a credit card and never used it. Not even once. The card was used by someone else. I did not realize this till I recently reviewed my credit report. XXXX XXXX will not remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: WA

Complaint narrative:
I received a credit card and never used it. Not even once. The card was used by someone else. I did not realize this till I recently reviewed my credit report. XXXX XXXX will not remove it

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 2018-07-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: WA

Complaint narrative:
I closed my XXXX account because they refused to remove incorrect charges from my account. Ie phones I paid for in full with cash. At the time I closed it. 3 years ago there should have not been a balance. This is a lame attempt to collect something never owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: NV

Complaint narrative:
I was the victim off identity theft, identity account takeover and merchant Spoofing of fraulent charges on all my credit cards. I first discovered this was happening in early XX/XX/XXXX and thought it was related to my wallet and cellphone being stolen in early XXXX and another break in into my vehicle on XX/XX/XXXX where they took my XXXX, phone, us and XXXX passports and credit cards checks and drivers license. Upon reviewing my statements in Ja usury and XXXX I noticed that although my credit card balance was about where it should be there was both significant more charges and more payments. In essence someone was making extra charges on my account and then using my checking account details to pay for it. As such I immediately reported the fraudulent charges to all my banks and most have refunded the fraudulent charges already. I initially indicated it was related to the two thefts in XXXX. At first I thought these fraudsters went to the stores with my credit card and successfully made a fraudulent charge. These fraudsters which included my former employee that I discharged in XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX and later XXXX XXXX XXXX and others. They are very sophisticated cunning individuals that opened merchant accounts with XXXX and XXXX and fake stores that they could easily change the merchant info on the statement I receive using the XXXX XXXX. My bills would show fake store numbers. So when I typed in one of those fake store numbers XXXX XXXX, I discovered that thefraud started after another XXXX and phones were stolen in XXXX and XX/XX/XXXX. 
I then reported the additional fraudulent charges to my financial institution and most reimbursed those charges as well. DiscoverCard however requested I amend my XXXX police report or make a new one about the earlier thefts in order to get the reimbursement, I promptly made the additional report sent it to Discvercard but as of todays date have not been credited for the fraudulent unauthorized charges which Discover Card offers a zero liability. Discovercard also closed my account as when I caught the fraud I needed to close my bank account and the  fraudsters had been using my banking details in their attempt to prevent me from finding out or asking why my credit card bios are so high. These fraudsters were able to lock me out of my emails to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: TX

Complaint narrative:
{$430.00}, Portfolio Recovery, I have talked to representatives multiple times about a debt Portfolio Recovery states I owe and told them numerous times that I do not remember ever applying for a XXXX XXXX card and that my ex wife in the past had applied for credit cards in my name and used my ss #. We are now divorced and I recently pulled my credit report to find this negative tradeline on my credit report by surprise. I have asked for proof of this debt a number of times from Portfolio Recovery and have never received any documentation in the mail. This has been going on for months and months now. I have written disputes to Portfolio Recovery and also to XXXX, XXXX, and XXXX to ask for this tradeline to be removed since this debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I have tried on multiple occasions to retrieve my Equifax credit report and scores both through the annual free credit report and directly through Equifax. I became aware of errors through XXXX monitoring service and have been trying correct them. 

On more than 7 occasions, I get errors on the Equifax website or I'm told my data input is wrong ( even though I'm 100 % positive it is correct ). On phone calls to Equifax, I've been on hold on 4 occasions for 35 minutes, 92 minutes, 67 minutes and 60 minutes respectively throughout the month of XX/XX/2018 but have not had contact with an agent. On 2 of those occasions, the line went dead after 35 minutes and 67 minutes.

Equifax presented an 'error ' message on the website stating I was required to submit any disputes via U.S. mail and would not allow access to retrieve, view or dispute credit report items. I was instead, offered a paid service if I wanted to view my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16 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: TX

Complaint narrative:
{$430.00}, XXXX XXXX, I have talked to representatives multiple times about a debt XXXX XXXX states I owe and told them numerous times that I do not remember ever applying for a capital one card and that my ex wife in the past had applied for credit cards in my name and used my ss #. We are now divorced and I recently pulled my credit report to find this negative tradeline on my credit report by surprise. I have asked for proof of this debt a number of times from XXXX XXXX and have never received any documentation in the mail. This has been going on for months and months now. I have written disputes to XXXX XXXX and also to XXXX, XXXX, and XXXX to ask for this tradeline to be removed since this debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
As of late XX/XX/2018, the Advance Financial company, a payday lender headquartered in XXXX, Tennessee, was notified in writing of my revocation of the ACH for automatic debit withdrawals from my bank account. Over the period after which such notice was provided, three separate payments, amounting in total to {$250.00}, have been deducted from my account. I have contacted AF in order to request that these charges be reversed, yet no restitution has been provided as of this writing. Attempts to verify the receipt of and commitment to honor the ACH revocation with the AF legal department have been unsuccessful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/2013, {$9100.00}, This is a Chase Bank card that is an authorized user account that I have never used or had access to. I have requested numerous times to have my name/ss # removed from being linked to this card since I am only an Authorized User and not a primary card holder, I DID NOT apply for this card. This account is in default by the primary card holder and I have requested to be unlinked from the account so my credit is not tarnished by this primary card holder that is not paying the bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16 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: NC

Complaint narrative:
Someones used my information XX/XX/2017 to get a auto loan with XXXX XXXX XXXX. I contacted the company and they refused to resolve the matter. I then contacted all 3 credit bureaus and requested the information be blocked under FCRA 605B. XXXX and XXXX removed the fraud account without an issue. Equifax sent me information as if they were investigating it as a dispute. Which is not following the rules on FCRA 605B. I have submitted my information several times. Equifax is not following FCRA 605B and blocking fraudulently information. Each time I request the information blocked a dispute is started and then the fraud information is updated instead of being blocked.

Company response to consumer: Closed with non-monetary relief