vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hi, Hope you're doing well. I have this XXXX XXXX card that I've never used and opened on XX/XX/XXXX. 

On the credit report it says I've been late XXXX and XXXX of XXXX. 

That however, could not be true, as I've never once used the card since I've had it. 

So the reporting is inaccurate.

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 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hi, Hope you're doing well. I have this XXXX  XXXX  card that I've never used and opened on XX/XX/XXXX. 

On the credit report it says I've been late XXXX and XXXX of XXXX. 

That however, could not be true, as I've never once used the card since I've had it. 

So the reporting is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AE

Complaint narrative:
XX/XX/XXXX I moved to XXXX as an active XXXX XXXX. I had my XXXX XXXX XXXX phone put on a military hold XX/XX/XXXX at XXXX by person email XXXX account number XXXX, case number XXXX. I made sure to get all the information because this has happened to me when I moved to XXXX in XXXX. I have not been back to the XXXX since XXXX, so I needed the service. This is typical for military members moving overseas. No service member should continually have to pay money for rules and regulations these companies have on their contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase charged my account {$100.00} in overdraft fees. They refunded one. I have an agreement with Chase that when my account gets to or below {$50.00} I am to be alerted. This has been in place for years. On XX/XX/XXXX Chase did not hold up their end of the agreement and failed to notify me. They are claiming that in certain circumstances this can not be done. Well, I have never been informed of these circumstances or guidelines. The manager that I spoke with suggested I visit a branch and find out. I refused as this is after the fact and the manager was unable to determine when I signed up for the alerts. 
My question to him was if your records do not indicate the date of the agreement then how do you know what the agreement states. The agreement had no exceptions. Now the agreement has exceptions for this particular situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Braviant Holdings, LLC
State: UT

Complaint narrative:
I have received many calls from an unknown number telling me to call XXXX which goes to the office of XXXX XXXX. I called and left a voicemail twice now to get additional information and my call is never returned. The messages the keep leaving specifically say a notice of intent IS scheduled to be delivered to your employer today between the hours of - and they repeatedly state I am scheduled to be served documents at my home this evening And my failure to comply could result in a missed court appearance. I finally was able to talk to someone st this number today, XXXX XXXX, who stated ( on a recorded line which can be retrieved to substantiate this complaint ) that I had Missed a hearing and other false misrepresentations which violate the FDCPA. When questioned about this he stated XXXX XXXX was involved in this and then after significant probing on how I missed a hearing without being served an actual complaint or summons states nothing has actually been filed and then refuses to explain to me How I could help lift how I could have missed a hearing that involves XXXX XXXX if nothing was actually filed ... .lastly, he goes on to state he will email me the documents in question I am requesting to review, confirms my email and then refuses to provide the documents ... These are outrageous and illegal communication and debt collection tactics and along with providing false and misleading information or threatening to involve an employer or imply legal action was taken that wasnt is in violation of FDCPA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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 was denied for credit I applied for. This prompted me to take a look at my credit. When I did, I noticed a lot of items that weren't familiar to me. These items are causing me a lot of issues ; personally and financially. I need these items removed from my credit for good so I can be able to get the things I need.

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 2019-05-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
This company sent my loan to collections, I received a call from someone claiming to be from the county court house. This person stated a warrant has been placed against me for a civil suit with no trial date been set and that I had to pay to avoid court. I told them I needed to do my own research on the matter prior to paying and they insisted I call whoever you want they will make you call us again. As it turns out there is no civil suit and it was just a high pressure scare tactic to get the debt paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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:
I had Identity theft from the " XXXX XXXX XXXX '' in XX/XX/2015. I ask for Equifax to remove my wrong information on my credit report. but they still keep it open on my credit report. I don't know what to do. this account really not belongs to me and someone uses my information and applies or maybe confusing with someone else. please clear this. this is not mine. and wrong information on my credit report. please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I was a victim of identity theft and have been trying to get my life back together, and have endured financial struggles due to the theft. I am almost homeless, and have taken all opportunities to survive. I have been trying to open checking accounts, as well as get a loan, and have been turned down each time. each of the credit agencies, as well as Early Warning Services , LLC, and XXXX have contributed to these denials. XXXX  XXXX XXXX, XXXX XXXX, and XXXX have closed accounts without giving me an explanation of why.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Inquiries to many banks without authorization and someone else used my ssn

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: SC

Complaint narrative:
I don't nor have I ever owned any type of account with XXXX XXXX XXXX. I have Disputed this matter with both the company and their representative, Trident Asset Management, negatively reporting on my Credit. I am prepared to sue this company and XXXX for falsifying information about me in Libel and Misrepresentation. I have written numerous statements in Dispute, letters, and request for Discharge on this debt alleged to me. I have requested proving documents to verify the information provided to obtain whatever kind of account this is but these companies refuse to provide the proof that I agreed to or that I used my identification to activate an account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was a victim of identity theft and have been trying to get my life back together, and have endured financial struggles due to the theft. I am almost homeless, and have taken all opportunities to survive. I have been trying to open checking accounts, as well as get a loan, and have been turned down each time. each of the credit agencies, as well as XXXX XXXX XXXX XXXX XXXX, and XXXX have contributed to these denials. XXXX XXXX XXXX, XXXX XXXX, and XXXX have closed accounts without giving me an explanation of why.

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 2019-05-08 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: MO

Complaint narrative:
As a Missourian in concert with the state law one has the right to bring civil action against anyone including a consumer reporting agency, inwhom improperly obtain access to a file knowingly misuses file data, or fails to correct inaccurate file data. My instant issue here is that I have sent a demand to all of the 3 major credit reporting agencies to either provide me with physical documentation of these unknown and unauthorized accounts reporting on my credit file or to block, remove and/or delete these items immediately Pursuant to FCRA 611 ( a ), and the FCRA. 

Accounts 1 ) XXXX XXXX {$4500.00} 2 ) XXXX  XXXX XXXX {$30.00} 3 ) XXXX   XXXX XXXX {$680.00} 4 ) XXXX  {$72.00} 5 ) XXXX {$71.00} 6 ) XXXX XXXX   XXXX  XXXX 7 ) XXXX XXXX XXXX {$140.00} 8 ) XXXX XXXX XXXX   {$5600.00} 9 ) XXXX XXXX {$2800.00} Please remove all the about accounts from my credit data file.

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 2019-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
CFPB reference number XXXX Have no option to use Chase Bank XXXX XXXX pay account USA Treasury pay.gov Company ID XXXX XXXX & XXXX Number JP Morgan Chase International Agencies Banking Account Number XXXX XXXX on Hold XXXX XXXX XXXX XXXX on hold XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: MO

Complaint narrative:
As a Missourian in concert with the state law one has the right to bring civil action against anyone including a consumer reporting agency, inwhom improperly obtain access to a file knowingly misuses file data, or fails to correct inaccurate file data. My instant issue here is that I have sent a demand to all of the 3 major credit reporting agencies to either provide me with physical documentation of these unknown and unauthorized accounts reporting on my credit file or to block, remove and/or delete these items immediately Pursuant to FCRA 611 ( a ), and the FCRA. 

Accounts 1 ) XXXX XXXX {$4500.00} 2 ) XXXX XXXX XXXX {$30.00} 3 )  XXXX XXXX XXXX {$680.00} 4 ) XXXX {$72.00} 5 ) XXXX {$71.00} 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX {$140.00} 8 ) XXXX XXXX of {$5600.00} 9 ) XXXX XXXX {$2800.00} Please remove all the about accounts from my credit data file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Oliver Adjustment Co.
State: FL

Complaint narrative:
XXXX XXXXthat is what is owe on my credit report .But when I called to settle they stated I owe more for several account. But I don't anything because the services for this was covered through medical needy insurance.I submitted all the documents and ask them to take it off my credit report not as paid, but taken off completely. Because it been paid

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 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: AR

Complaint narrative:
This is a inquiry from Discover financial on XX/XX/2019 Re : XXXX XXXX address XXXX XXXX XXXX, XXXX, VA XXXX I did not make this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Back in 2012, my {$200.00} XXXX Secured Credit Card was still open and was fraudulently used and allowed to soar past {$420.00} high limit. While the company gave me back my security deposit ( with no interest I might add ), they said I had to pay the balance in full or otherwise it would be reported as a collection on my credit report. Capital One should be fined for this type of activity for conveying a threat to a customer and forcing them to make payments on purchases they did not make and refuse to send any supporting documentation with my signature. I should be refunded with full restitution of any money over {$200.00} plus interest plus damages to my credit for years and having to pay higher interest rates due to their inaction and non-compliance with federal financial rules and regulations. 

Important Note : The President of the University without notice decided that no further personal mail would be allowed through the University mail system. I was a new hire and went to my superior to inform him I was still living in a motel and could not change the address to the motel as it sometimes changed based on pricing. This caused a dilemma.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have filed a dispute with Equifax saying my account with XXXX has been paid in full. They refuse to change this status on their account even though the loan was paid off almost two months ago ( XX/XX/XXXX ). I have attached the letter from XXXX saying the account has been paid in full and when it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I wanted to purchase furniture at XXXX XXXX  in XXXX, Tx and opened a synchrony bank home furnishing credit card and the owner told me he was going to charge me extra fees if I used that card. I was approved for & XXXX and picked out furniture, but when I realized he was charging that in fees I canceled my order and never received the furniture. He is reporting XXXX. On my credit but I dont have the product so I disputed with Synchrony bank but the took his side and will not put my balance to XXXX. Again I never used the card and never had furniture delivered to my home. Please help!

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 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a mortgage with XXXX/XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/XXXX XXXX and  they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX/XXXX XXXX with no successful resolution. XXXX, TransUnion, and XXXX  reporting me 150 days late payments. There was an error on their part. I was never 150 days late.

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 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a mortgage with XXXX/XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX/XXXX XXXX   with no successful resolution. XXXX, XXXX, and Equifax reporting me 150 days late payments. There was an error on their part. I was never 150 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08 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: CA

Complaint narrative:
I have a mortgage with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  reporting me 150 days late payments. There was an error on their part. I was never 150 days late.

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 2019-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CNG FINANCIAL CORPORATION
State: AR

Complaint narrative:
I was contacted by a company called XXXX and was told I had a " summons '' and if I didn't pay $ 900+ a judgement was to be entered against me. I asked for what and where. I was told it was a " payday loan '' from 7 yrs ago, that I had STOPPED paying. I asked further about non-existent summons, told them I live in Arkansas and " payday loans '' are illegal. I was told it was from a XXXX  XXXX XXXX but they could not tell me where. They had at least the last 4 digits of my social security number. I also contacted XXXX  XXXX XXXX after looking them up online and was told the had no record of me having any loan from any of their locations. It was either a scam or someone has used my identity. The number I have for this XXXX is XXXX. My name is XXXX XXXX as and can be contacted by XXXX, or XXXX Thank you for your time and attention.

Company response to consumer: Closed with explanation