vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-04 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: Linebarger Goggan Blair & Sampson LLP
State: OK

Complaint narrative:
Around XX/XX/2018 we received a letter from Linebarger regarding a delinquent toll in the state of Colorado. We live in Oklahoma.

The letter makes several false and deceptive claims.

1. By not paying they will put a hold on your vehicle registration.

This claim is false and only applies to Colorado citizens. Additionally, per toll authority, this action only applies if you are delinquent and continue toll avoidance.

2. The firm altered the document to state fees of {$2500.00} for not paying. The actual fee is {$25.00} per toll authority.

This is another scare tactic that is uncalled for, unnecessary, deceptive, false, and abusive.

3. The firm had our license plate number from a sold vehicle with someone elses mailing address and name attached to the bill.

When calling to find out information on the toll bill the firm refused to speak to anyone but the person on the toll bill who was using our vehicle tag registered in Georgia.

So the company was attempting to collect a debt from us by billing a random person in Georgia with a different name racking up fees for their company.

Unjust enrichment.

The firm had no interest of clearing up the matter. In fact, the employee said the only thing he could do was take full payment.

However, he was required to state we could dispute the debt by mail.

Even though I made it clear the name or address werent ours he continued to collect a debt illegally.

4. I called the toll authority and they instantly cleared up the issue. Why this law firm chose to do business this way is worth investigating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is repeatedly falsely verifying inaccurate late payment information regarding XXXX XXXX XXXX XXXX on my credit file.

I have been complaining to Equifax and the CFPB about this matter for almost a year, but nothing has been done.

Upon information and belief, no one from Equifax has taken accountability for my credit disputes, therefore no one from Equifax can testify in court against me.

Is it going to take millions of Americans to start submitting certified/notarized/sworn Affidavits of dispute, that would be filed with massive Federal Class Action complaints, to get Equifax to adhere to the law? Clearly, Equifax does not complete reasonable dispute investigations for consumers. From my personal experience, Equifax conducts investigations based on hearsay, which should cost them billions in Fair Credit Reporting Act violation fines and punitive damages.

I have been advised to provide Equifax and the CFPB with this Affidavit included in this complaint and wait for a response from Equifax. This CFPB complaint, all responses, both prior and present, documents, this Affidavit and possibly the Affidavits of others will be submitted to a consumer attorney in the event I become the lead Plaintiff in a Class Action suit against Equifax to claim damages for myself as well as millions of Americans who have been affected by Equifaxs FCRA violations.

I was informed by XXXX XXXX XXXX XXXX that no one from Equifax has contacted them regarding these inaccurate past late pay disputes.

PLEASE SEE THE ATTACHED AFFIDAVIT OF DISPUTE REGARDING MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Around XX/XX/2018 I received a new chase card and made two purchases on it. Shortly after Chase randomly shut down my account. I asked for more information on what was going on and they wouldn't give me an answer. I am very disappointed with their customer service and lack of help with my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I have been paying on my student loans for over eight years now. I started out with {$30000.00} of debt and still owe {$30000.00}. My payments were applied 100 % towards the interest and none towards the principal. When I figured out that was what Navient was doing I called and spoke with a customer service representative who told me I had to pay off all the interest first before anything would be applied to the principal. I asked why was I given a choice of how I wanted my payment applied when paying online and then applied differently and I was given the same answer. I told the customer service representative that I would never be able to pay my loans off if that was how they did it and I was told that it was Navients policy. I started off with nine student loans and have paid one off in full and still owe the same amount I did when I started paying ... .how is that even possible or fair??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have Capital One bank account for few years, an recently i Have fraud on my Credit card. 
After replacing my old credit card with new one, Capital One falsely reported me as a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION
State: KY

Complaint narrative:
BB & T consistently reorders debits in order to charge more overdraft fees. Please see attached examples. According to customer service, BB & T policy is to only remove 1 overdraft fee every 24 months. So by this policy BB & T can repeatedly reorder debit transactions to cause customer to incur unlimited amounts of overdraft fees with no recourse other than arbitration with a mediator chosen by BB & T. ( This type practice often results in business ' choosing mediators that consistently find in the business ' favor ). The most recent example I attached is a recurring online payment that caused my account to overdraft. This is my fault and not in dispute. What I am disputing are the other 3 overdraft fees that are the result of reordering. The debits were later hard posted in the correct order, clearly showing the account was not overdrawn at times those purchases were made. This happens routinely. If I " opt-out '', I am charged {$36.00} for the account to be " reviewed '' and the purchase denied for insufficient funds. When I call customer service I am told " sorry, our software won't allow me to take those overdraft fees off ''. This seems fraudulent and deceptive.

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 2018-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I got a cancellation notice from sears in XX/XX/XXXX I would call the company and never get through and no one would come to fix anything so I discontinued my warranty today I got a bill for the amount of {$300.00} never knew anything about owing this company a dime until they filed bankruptcy they never came to fix anything and would refuse to answer the phone. The last time they came to fix anything they advised I did not owe anything and it was a mistake on their part for having me wait 3 months for paying for the service and no one coming to fix my house.

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 2018-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
XX/XX/2018. I was notified I owed a debit, I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: MI

Complaint narrative:
This debt was paid off through XXXX XXXX XXXX on XX/XX/2018 This other company is trying to collect the same debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
XX/XX/2018. I was notified I owed a debit, I did not make.

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 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I applied for a XXXX Store Card on XX/XX/18 which is offered through XXXX XXXX out of XXXX FL. On XX/XX/18, I received an electronic letter informing me that my application was denied because of some key factors that adversely affected my credit score.

My complaint is the credit score XXXX XXXX pulled on me is inaccurate. My credit score with the 3 credit bureau 's are higher than what XXXX XXXX has reported. Another key factor that adversely affected my score with XXXX is " Too few open end accounts ''. This is inaccurate based on my credit scores listed with the credit bureaus. The bureau 's report the following open accounts which are in good standing and current ( i.e. Student loans, XXXX XXXX Credit Card and XXXX Credit Card ). 

When I search the address for XXXX XXXX online, it doesn't give an address in Florida and I'm concerned that the address given for XXXX XXXX on the letter that is listed in XXXX Florida is incorrect. 

XXXX XXXX states that my credit is XXXX. The 3 credit bureau 's report my credit score 's over 600. Your assistance on resolving the big gap in scores is greatly appreciated!

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 2018-12-04 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR

Complaint narrative:
Fair collections & outsourcing is reporting to XXXX  as a collection which is not, it is a paid to delete account which should be removed which was removed for the other two credit bureaus.

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 2018-12-04 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting to Experian as a collection which is not, it is a paid to delete account which should be removed which was removed for the other two credit bureaus.

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 2018-12-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian investigation into XXXX  XXXX bank account. I paid This account in full and they have removed them from my other credit bureaus. Experian does not update the credit report with accuracy or investigates correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04 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: GA

Complaint narrative:
I was a victim of identity theft. I have reached out to all three bureaus and informed them of this numerous times. I have sent letters to them every month starting XX/XX/XXXX of this year and as recent as XX/XX/XXXX. I never receive a response. All of my communications are sent via priority mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04 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: GA

Complaint narrative:
I was a victim of identity theft. I have reached out to all three bureaus and informed them of this numerous times. I have sent letters to them every month starting XX/XX/XXXX of this year and as recent as XXXX. I never receive a response. All of my communications are sent via priority mail.

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 2018-12-04 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: GA

Complaint narrative:
I was a victim of identity theft. I have reached out to all three bureaus and informed them of this numerous times. I have sent letters to them every month starting XX/XX/XXXX of this year and as recent as XXXX. I never receive a response. All of my communications are sent via priority mail.

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 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion keep putting inaccurate employment information on my credit report. XXXX XXXX XXXX as employer incorrect. I want it removed

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 2018-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been writing these companies since XXXX. I do not understand why they have not removed these accounts because they are not mine and are because of my suffering from identity theft. I have written too many times to count and my last letter to each was just last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ULRS, Inc.
State: CA

Complaint narrative:
I was contacted by XXXX XXXX XXXX The debt was incurred in XX/XX/XXXX they are reporting it as XX/XX/XXXX Not only are they re-aging this debt, but I don ; t  know what it's for this debt is out of statute

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
BBVA Compass is my bank. This summer someone opened four credit card accounts under my name and used my personal account to make payment on them. I disputed the amount and BBVA Gave me a temporary credit and then reversed it less than a week later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-04 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: TX

Complaint narrative:
I have been writing these companies since XXXX. I do not understand why they have not removed these accounts because they are not mine and are because of my suffering from identity theft. I have written too many times to count and my last letter to each was just last month.

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 2018-12-04 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: TX

Complaint narrative:
I have been writing these companies since XXXX. I do not understand why they have not removed these accounts because they are not mine and are because of my suffering from identity theft. I have written too many times to count and my last letter to each was just last month.

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 2018-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
THD/CBNA ON XX/XX/XXXX did a hard Inquiry that I was not made aware that they where going to do a hard inquiry. In the past i had THD/CBNA card so when they offered me a promotion in the store they did a hard inquiry and did not make me aware that they where doing so. I have had a credit card with them for years so i don't know why they would do a hard inquiry. 
Also, recently THD ( The Home Depot ) XX/XX/XXXX did a soft inquiry and for what reason i have no idea.

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 2018-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION
State: GA

Complaint narrative:
Hello my name is XXXX XXXX. I have not been with BB & T a full month, and the customer service I have received from their employees has definitely been distasteful. My last encounter I begged the account representative to transfer me over to an supervisor. He refused and threatened to hang up the phone on me. I stated multiple times can you please transfer me to a supervisor. It was when I asked him his name. He only gave me a first name and when I asked well since you wont release last name so that I could reference him in my complaint his employee number or anything to tie me back to him he wouldnt. He went straight to putting me on hold without saying anything and there I waited 10 minutes for a supervisor to pickup the line. Horrible customer service. 

I called BB & T because I was charged 5 overdraft fees. I spent {$15.00} more than I was supposed to but yet I was {$36.00} 5 different times. My account is positive when purchases go through, but I am still being charged overdraft fees, even though im technically not in the negative until the last purchase goes through. This should be illegal and a burden on their Customers.

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 2018-12-04 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: FL

Complaint narrative:
XX/XX/2017 Equifax XXXX XXXX by XXXX XXXX XXXX did an Hard Inquiry on my credit report. They never informed me that they where going to pull credit. XXXX had just started conversation about rates and terms when all of sudden they must have pulled my credit report without me knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I was never notified that I had debt in collections with this company. I was unaware that I had collections accounts open through XXXX XXXX XXXX until I was trying to purchase a vehicle on XX/XX/2018 and XX/XX/2018, and was repeatedly turned down for financing due to a poor credit score. Only then did I learn that there are 7 collections accounts open in my name from this company, totaling a crippling amount of {$73000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief