vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-15 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: Nelnet, Inc.
State: MA

Complaint narrative:
Good Afternoon, I have for many years been writing and calling ect. I have not been able to resolve this. When i go to get my credit report checked for an apartment or a car it shows 8 to 10 closed accounts since XXXX. I am in good standing with my loans for a long time now with a XXXX XXXX. I been denied for many years because it shows all account on as closed and all i want is it to be removed. I recently just disputed them once again and now they are going to stay on my report til XXXX which i find is unacceptable. I have written letters to all creditors one by one 2 years ago no response. I have also called them as well and no one can seem to help me. I am also working with Massachusetts attorney general because the school i have attended was shut down for where these loans were used for and i have been struggling for years to clear this off my report and i feel helpless now. I would like to see if i can get help to solve this for my future and my family as well. Please i would really appreciate this so much. 

Thank you Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Greetings, On XX/XX/XXXX, I left my place of employment due to a hostile work environment. I followed company policy by informing HR of my abrupt voluntary termination and requested that I be paid my remaining PTO time and wages next pay period. Since I lived at the place I worked ( XXXX XXXX ), I planned to move out of my apartment on-premises. 

XX/XX/XXXX, I moved into my new apartment and drafted the money from my chase account since I was due to get paid on XX/XX/XXXX. 

Unfortunately, the company I once worked for did not pay me the required compensation and because of this, I had to endure 14 days of overdraft fees ranging from $ 33- {$100.00} dollars. Luckily, I had a second banking account with money on it and attempted to live off of that until my situation was cleared up with my former employer. However, I did not have enough money to cover the overdraft because of the situation with my former empoyer and simply had to choose between feeding my family or hoping chase will still provide the overdraft protection for a fee. The former employer not only refused to fairly compensate me within days of their negligence, but also broke Arizona State Law in reguards to Wages and response to a constructive discharge complaint. 

After two weeks of threatening legal action and fighing HR at the previous place of employment, I was paid the morning of XX/XX/XXXX. I immediately transfered the money from my other banking account into my chase account. 

I am claiming hardhsip due to employer negligence as my reason for a request of refund. This situation was far out of my control and there wasnt much for me to do except sue the company or wait to be properly compensated.I almost lost my car and insurance due to this matter and acknowledge that this wasn't chase 's fault. 

I tried talking to a CSR about this on XX/XX/XXXX but was unsuccesful with my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: INTEGRAL RECOVERIES, INC.
State: AZ

Complaint narrative:
I received a letter from a collection agency attempting to collect for a debt from XXXX in the amount of {$1400.00}. 
I immediately called the collection agency and informed them that it was discharged in bankruptcy in XXXX, ( District of Nevada case # XXXX. 
They refused to acknowledge and indicated that they will continue to attempt to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I owe ace cash {$300.00} for a payday loan. 
Due to financial difficulties I was unable to pay. I explained this to them. Now Im receiving threatening calls telling me they are filing to the court and making this public. Also that they will go to my workplace and speak to my supervisor. They told me they will sue me for over {$3000.00}. This is very stressful I have no money in my bank account to pay. I asked for a month extension they said no because {$300.00} is not a lot. And they will not wait another month to file this. They told me good luck in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: IL

Complaint narrative:
Hi, Today, XXXX, I noticed a hard inquiry on my Equifax credit report by XXXX XXXX on XXXX. This is an unauthorized inquiry made by XXXX XXXX  as I did not request anything from this bank in 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: Phoenix Financial Services LLC
State: PA

Complaint narrative:
XX/XX/2013 original date of debt amount {$27.00} This debt first originated XX/XX/2013, the original collection ( XXXX XXXX XXXX XXXX XXXX ) the company change collection company ( Phoenix Financial ) to make it seem this is a new debt, which isn't the case, after seven years this debt  should be removed from my Credit Report immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX  issued a credit card by mail that was mailed to my residence while I was on a trip to XXXX. I never received the card. A few weeks later I received a statement showing charges in a different city than the one I reside in. I contacted them and reported this as fraud. XXXX XXXX blatantly lied about conducting an investigation and deemed the charges as legitimate. This is a physical impossibility as I was literally in the XXXX XXXXl at the time. I have sent proof including a certified notarized police report proving I was in deed in XXXX at the time. My Spouse and I were on this trip. They have continued to report this to credit agencies causing my credit score to plummet. Consequently XXXX XXXX and XXXX XXXX have lowered my credit limits. I have called them numerous times and have send certified mail numerous times. When I make Follow up calls they give me the one around stating I have not provided all the documents. They are falsely reporting my credit info.

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 2019-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Business & Professional Collection Service Inc
State: AZ

Complaint narrative:
The collection agency is attempting to collect a utility bill that was discharged in bankruptcy ( District of  Nevada # XXXX ). I have disputed this numerous times on credit report & the company still reports it as a collection.

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 2019-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I paid Care Credit/Synchrony Bank on XX/XX/2018 and they continued to draft my account for XX/XX/XXXX and XX/XX/2018 after the account was paid in full. Each month I received a statement now with a credit balance because they continued to draft my bank account for an account that was paid in full. I contacted customer service and they promised my account would not be drafted again but the next month it was again. I finally had to place a stop payment on my account to stop them from drafting my account for an account paid in full. As a curiosity, my bank did not charge me for the stopped payment I requested. This was the only way to stop them from drafting my account. I paid the account off before interest started. Since they continued drafting payment, then interest kicked in on a paid in full account. They charged {$380.00} against my credit report, causing my A-1 credit rating to drop into the 600.

They sent a refund check for {$90.00} for XX/XX/XXXX but did not send a check for XX/XX/XXXX. I received a check for XX/XX/XXXX but Care Credit stopped the deposit and my bank charged me for the stopped check but finally waived this fee. I have been working with XXXX to get the matter cleared up for two months. XXXX   gave me the run around until I asked to speak with a supervisor to finally get them to review the documentation I provided containing a letter and a statement from Care Credit stating my account was paid in full. XXXX investigation is now still pending. Please help so others do not scammed by their deceptive and fraudulent practice. Thanks.

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 2019-11-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc.
State: MD

Complaint narrative:
When moving into the XXXX XXXX XXXX ( XXXX XXXX ) in XX/XX/2018 I paid a security deposit of {$250.00}. 

Over the months leading up to XX/XX/2018 we experienced a number of break ins at our complex that damaged property. I was in contact with property management and had to change the locks several times. After not being satisfied with the response from my property manager regarding the thefts I was forced to create a case with the State of Maryland Office of the Attorney General Consumer Protection Division. Case XXXX. I have a copy of the correspondence dated XXXX XXXX with XXXX XXXX who was my mediator. I also filed a police report. 

The case centered around my ability to be able to change my locks without providing maintenance with a key. This caused an issue with our interactions. The mediators decision was that I could indeed change my lock without giving them a key. 

Essentially I am being charged for damages to the apartment that were made either by thieves or unauthorized entrants while I was at work. 

These charges are false as the damages made to my wall and counters were either made by thieves breaking in or people who were not authorized to be on my property. After the issue was brought up to the State Consumer authority the relationship deteriorated and we were unable to communicate. The property manager that replaced the one who failed to rectify these issues wasn't able to understand my position even though we had documented proof questioning the damages to the property month prior to moving out. 




The debt currently resides with NCAC National Credit Audit Corporation XXXX. XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX, XXXX TX XXXX NC Permit # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX, PA XXXX File # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-15 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: Block, Inc.
State: IL

Complaint narrative:
My card was used without my consent after I lost my wallet. Cash app took weeks to respond to my claim. I had to file two to get a response. They then denied my claim within a few hours of me sending the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX Capital one starts intimating their customers before they even sighn up with them. they feel that they are above the FCC and the cfpb and that the rules and the laws set to protect the consumer and the economy do not pertain to them. Here is what they like to say to the press and to let their customer know what they think. 
It seems Capital One Financial ( XXXX  : COF ) is serious about keeping in touch with its customers -- so much so that it recently sent out an updated terms of service notice to users of its credit cards. The TOS noted that the bank reserves the right to contact customers just about anywhere it wants, and by any means necessary. 

An article Monday in the XXXX XXXX XXXX described the ominous language in the missive, such as the company 's assertion that it may contact customers remotely, as in phone calls, text messages, or emails, or even through an in-person visit, either at the customer 's home or " place of employment. '' In addition, Capital One might find it convenient to " spoof '' customers, presenting a number other than its own on caller ID in order to veil its identity, the newspaper reported. 

A normal part of doing business? 
When questioned, Capital One said it seldom does any of those things, and the visits pertain solely to loans for sports vehicles such as snowmobiles, in case the vehicle needs to repossessed. In the spoofing situation, the company said sometimes the number is " displayed differently '' by " some local phone exchanges, '' something that is " beyond our control. '' This situation would be amusing if it wasn't quite so disconcerting. Although the company told the Times it is taking a second look at the phrasing of the terms of service, it is notable that Capitol One has a reputation for being somewhat hard to deal with -- at least, from a customer 's viewpoint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: VA

Complaint narrative:
Remove hard inquiries on my credit report from XXXX as letters issued by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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:
There are some accounts on my credit report that do not belong to me. Today XX/XX/19 I was looking over my credit report with my realtor because I am trying to buy a house and I found a total of 5 accounts that I never opened. I'm not sure why these accounts are on my credit or who could've opened them in my name because I never allowed anyone to open any account in my name. I did not get any money, goods, services or any other type of benefit from these accounts that were opened without my permission. I have already filed a police report. I do not have any written/verbal contracts with any of these companies and I never allowed them to run or have access to my credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-15 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:
There are some accounts on my credit report that do not belong to me. Today XX/XX/19 I was looking over my credit report with my realtor because I am trying to buy a house and I found a total of 5 accounts that I never opened. I'm not sure why these accounts are on my credit or who could've opened them in my name because I never allowed anyone to open any account in my name. I did not get any money, goods, services or any other type of benefit from these accounts that were opened without my permission. I have already filed a police report. I do not have any written/verbal contracts with any of these companies and I never allowed them to run or have access to my credit information.

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 2019-11-15 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:
There are some accounts on my credit report that do not belong to me. Today XX/XX/19 I was looking over my credit report with my realtor because I am trying to buy a house and I found a total of 5 accounts that I never opened. I'm not sure why these accounts are on my credit or who could've opened them in my name because I never allowed anyone to open any account in my name. I did not get any money, goods, services or any other type of benefit from these accounts that were opened without my permission. I have already filed a police report. I do not have any written/verbal contracts with any of these companies and I never allowed them to run or have access to my credit information.

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 2019-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
This is not my debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-15 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: MA

Complaint narrative:
Good Afternoon, I have for many years been writing and calling ect. I have not been able to resolve this. When i go to get my credit report checked for an apartment or a car it shows 8 to 10 closed accounts since XXXX. I am in good standing with my loans for a long time now with a XXXX XXXX. I been denied for many years because it shows all account on as closed and all i want is it to be removed. I recently just disputed them once again and now they are going to stay on my report til XXXX which i find is unacceptable. I have written letters to all creditors one by one 2 years ago no response. I have also called them as well and no one can seem to help me. I am also working with Massachusetts attorney general because the school i have attended was shut down for where these loans were used for and i have been struggling for years to clear this off my report and i feel helpless now. I would like to see if i can get help to solve this for my future and my family as well. Please i would really appreciate this so much. 

Thank you Sincerely, 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 2019-11-15 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: MA

Complaint narrative:
Good Afternoon, I have for many years been writing and calling ect. I have not been able to resolve this. When i go to get my credit report checked for an apartment or a car it shows 8 to 10 closed accounts since XXXX. I am in good standing with my loans for a long time now with a XXXX XXXX. I been denied for many years because it shows all account on as closed and all i want is it to be removed. I recently just disputed them once again and now they are going to stay on my report til XXXX which i find is unacceptable. I have written letters to all creditors one by one 2 years ago no response. I have also called them as well and no one can seem to help me. I am also working with Massachusetts attorney general because the school i have attended was shut down for where these loans were used for and i have been struggling for years to clear this off my report and i feel helpless now. I would like to see if i can get help to solve this for my future and my family as well. Please i would really appreciate this so much. 

Thank you Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: MA

Complaint narrative:
Good Afternoon, I have for many years been writing and calling ect. I have not been able to resolve this. When i go to get my credit report checked for an apartment or a car it shows 8 to 10 closed accounts since XXXX. I am in good standing with my loans for a long time now with a XXXX XXXX. I been denied for many years because it shows all account on as closed and all i want is it to be removed. I recently just disputed them once again and now they are going to stay on my report til XXXX which i find is unacceptable. I have written letters to all creditors one by one 2 years ago no response. I have also called them as well and no one can seem to help me. I am also working with Massachusetts attorney general because the school i have attended was shut down for where these loans were used for and i have been struggling for years to clear this off my report and i feel helpless now. I would like to see if i can get help to solve this for my future and my family as well. Please i would really appreciate this so much. 

Thank you Sincerely, 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