vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN HONDA FINANCE CORP
State: AZ

Complaint narrative:
Was paying for a 5 year auto loan on a XXXX XXXX XXXX and was paying the loan through Honda, paid off the loan in XX/XX/2017. I have had a perfect payment history the entire 5 years except towards the beginning when I initially signed up for automatic payments. When I enrolled in automatic payments they assured me that the payment would get deducted on time and I wouldn't have to worry or do anything. Over 1 month later they call me and say my payment was late and I was furious and told them I enrolled for automatic payment and they put me back on it but didn't remove the derogatory mark but they refused. Now that the loan is paid off I've been contacting the past month or so several times in order to get the derogatory mark removed to improve my credit and they don't care about helping me since the loan is already paid off. Despite this not being my fault Honda still won't take care of me and don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: OH

Complaint narrative:
I have an account from XXXX  XXXX  XXXX  # XXXX that is Fraudulent I have requested that XXXX XXXX XXXX   froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I and requesting a 605b BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

1. XXXX XXXX XXXX  XXXX  with ACCT # XXX opened on XX/XX/2019 with a credit limit of {$21000.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$10000.00} -This is not my account.

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 2019-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Progressive management systems violated title 15 usc 1692c they didnt have my written consent to contact me nor did they have consent to contact any 3rd party ( credit bureau ) without my consent which is invasion of privacy and especially when progressive management systems is FTB suspended which means they are not licensed to do business they can not legally do business Ill upload it on here. Im asking for monetary relief and please be advised that the address thats on the Secretary of State is different from progressive management system address when they registered in 1978

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened 2 credit cards with Capital One and approx 6 mo after having them while out of the area I tried to purchase and they were trying to protect me from fraud, not knowing that it was in fact me, they froze both of my accounts and I was no longer able to make purchases nor make payments and they ended up as charge-offs and I in the end paid them to zero.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 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 was denied from opening a credit card today XX/XX/19 and I was denied because there are several accounts reflecting badly on my credit report. None of those accounts belong to me nor did I ever allow anyone to open them in my name using my personal information. I am not sure who opened these accounts but I have already filed a police report. I do not have any written/verbal contracts with these companies nor did I ever make any purchases or payments towards any of these accounts. I did not benefit anything such as money, goods or services from any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Had a capital one bank credit card and had a hardship of losing a job and was unable to pay for 4 months but after a small time I made a {$15.00} payment and then two larger payments totaling {$220.00} and then they unexpectedly closed the account and will not reopen the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX NJ XXXX DOB XXXX SS XXXX I requested kindly that XXXX   provide legal documentation regarding information transmitted to credit reporting agencies for me, with regard to the asserted account XXXXI demand CONTRACT, PROOF OF OWNERSHIP, from this 3rd party collection agency! I have file a police report and FTC Report against this unknown account. I am asking for a contract between myself and XXXX? I hereby request that your company delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt .XXXX  Corporation is trying to collect on a account and enforce a claim that I do not recognize ever doing any business with XXXX  company management. Should you not be able to provide such lawful documentation during this reasonable period, any information communicated by XXXX  to the credit bureaus should not be deemed truthful and may bespeak your disregard for consumer protection statutes. Please delete this fraudulent account at once.

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 2019-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/2019, I submitted a payoff payment of {$11000.00} to Chase for a credit card. The full balance was paid. Months later, I check my credit report to see that they have sent notice of late payment to the Credit bureaus. I look into it and see that nearly a month after payoff ( XX/XX/2019 ), they charged {$18.00} in Purchase Interest. They neglected to inform me of this via mail because I had " paperless billing '' enabled, and the email account used to send notice was not monitored. As a result that fee snowballed into {$49.00}. On XX/XX/XXXX I attempted to contact Chase via their credit team to resolve the issue. I paid the balance of {$49.00} and requested they remove the late payment from my report. They refused to do so and claim it is not possible. I know this is not true, because I've seen elsewhere online that credit companies will often do this. My payment history with Chase has been 100 % on time for many years before this. This interest charge they assessed almost a full month after payoff has caused my credit score to drop over 100 points. I am desperate to have this removed from my credit as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 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:
I was denied from opening a credit card today XX/XX/19 and I was denied because there are several accounts reflecting badly on my credit report. None of those accounts belong to me nor did I ever allow anyone to open them in my name using my personal information. I am not sure who opened these accounts but I have already filed a police report. I do not have any written/verbal contracts with these companies nor did I ever make any purchases or payments towards any of these accounts. I did not benefit anything such as money, goods or services from any of these accounts.

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 2019-11-28 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:
I was denied from opening a credit card today XX/XX/19 and I was denied because there are several accounts reflecting badly on my credit report. None of those accounts belong to me nor did I ever allow anyone to open them in my name using my personal information. I am not sure who opened these accounts but I have already filed a police report. I do not have any written/verbal contracts with these companies nor did I ever make any purchases or payments towards any of these accounts. I did not benefit anything such as money, goods or services from any of these accounts.

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 2019-11-28 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: Army and Air Force Exchange Service
State: TN

Complaint narrative:
There had been 2 accounts compromised after I had filed bankruptcy ( my social security has been scanned and detected on the dark web ). One was a merchant credit that had been charged to the max limit. I've disputed and it seems like it was removed from my credit but I still receive debt letters from the company about the balance. The other was a credit card that was not opened by me and apparently charged to the max. I contacted the company several times ( XXXX XXXX XXXX ) about the card and they closed the account and i filed a dispute several times without any success. I don't have any documentation because I never opened the account so I don't really know what I can show to prove it wasn't mine. My wife also had the same problem with a card opened in her name without her knowledge and we've been fighting them on this for well over a year now. I had just filled bankruptcy because of my credit being screwed up and also had a credit freeze for a year. I'm getting no help from my side and hoping you can resolve this once and for all.

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 2019-11-28 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: Phoenix Financial Services LLC
State: CA

Complaint narrative:
{$2000.00} they say I owe for medical when I have been getting social security since 2000 ... this is a dilemma that ones pull when me and my wife separate every time they used my credit to destroy my dignity and self XXXX.phoneix financial services ( XXXX ) XXXXthat is the company along with their number.Im XXXX  and this is bringing on another XXXX of my XXXX  condition. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation
State: AZ

Complaint narrative:
SIGNED UP FOR OPTIONAL CREDIT PROTECTION SERVICE AND LOST JOB ONE MONTH AFTER CARD WAS IN MY POSSESSION, ENDED UP MOVING AND OTHER THINGS GOING ON CREDIT CARD COMPANY NEVER LET ME KNOW I COULD HAVE FILED FOR PROTECTION AND HELPED KEEP CREDIT SCORE. NOW THEY TALKED ME INTO MAKING A {$50.00} PAYMENT TO " BRING CURRENT '' AND SAY NOW I CAN BACK DATE TO XXXX OR XXXX FOR HELP.. 


I DONT SEE IT BEING CORRECT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CFW Holdings LLC
State: TX

Complaint narrative:
I have copied communication this company has sent me over time, but does not include the multiple calls from different numbers using a robo dialer. As you read you get a feeling that they are trying to coerce me and threatening with legal action. I was able to call the company today Wednesday, XX/XX/2019 at XXXX XXXX. Spoke to XXXX a text XXXX and still offered a settlement. 



Thursday, XX/XX/2019. XXXX XXXX Want freedom from this loan? At this time we are offering to settle your debt for 40 % ( {$480.00} ) of your outstanding contract balance ( {$1200.00} ). To take advantage of this offer. text " SETTLE '' and we'll get you enrolled in our LAST CHANCE program today. 

Thursday, XX/XX/2019 XXXX XXXX CFW- A payment hasn't been applied to your account for more than 30 days. You have an outstanding balance of {$1400.00}. To avoid further collection activity, an arrangement must be set. We offer a hardship program which lowers your current payments. Text " HARDSHIP '' if you are in need of financial assistance. 


Monday, XX/XX/2019 XXXX XXXX  Want freedom from this loan? At this time we are offering to settle your debt for 40 % ( {$480.00} ) of your outstanding contract balance ( {$1200.00} ). To take advantage of this offer. text " SETTLE '' and we'll get you enrolled in our LAST CHANCE program today. 


XXXX  XX/XX/2019 XXXX XXXX  CFW-Final Warning! Your account has remained in our office for the max allotted time! You have 72 business hours to enroll in our LAST CHANCE program. The final amount listed on the LEGAL claim will be $ {$1400.00} +court costs+attorney fees as permitted by your contract. Text " ENROLL '' to start saving. 


Wednesday XX/XX/2019 XXXX XXXX WARNING! XXXX XXXX, Your loan is in default and is being prepared for LITIGATION. You will be responsible for your BALANCE OF {$1400.00} + court costs + attorney fees as set forth in your contract. To avoid action, please contact our office NOW @ XXXX XXXX XXXX so we can assist you. CASH FOR WHATEVER.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2019 I tried to get my free annual credit report from TransUnion utilizing the XXXX XXXX website. Before I had a chance to print or save a pdf version, my session timed out and I could not get the report again. I had since tried contacting TransUnion about this problem but they kept insisting I have to purchase a 3 credit bureau report and score for {$29.00} in order for me to continue. 
Please assist as I felt cheated and unfairly treated. I spoke to a customer service representative called XXXX on XXXX XXXX at XXXX XXXX central time. She was very evasive and refused to provide her last name.

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 2019-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
i have been watching my credit score daily for 36 months. there is no pattern to my credit score changing ... i pay cc debt to less than 30 % utilization -- credit score drops by 3 pts ( experian, XXXX  and XXXX ). i do nothing, score up 1 point. i have filed dozens of disputes - either no response or just stmt " we believe them '' but they are under no burden to provide actual data to support it. there should be a transparent credit scoring model - not just " it's complicated '' it's not. that's nonsense. do x credit score increases, do y credit score decreases ... the consumer is not protected. the agency websites are not easy to use and the disputes often aren't responded to. i want to know how score is calculated every single time and what causes it to increase/decrease -- - it's insane that the consumer doesn't have a right to this information. my credit has been ruined - i've disputed with all agencies and it takes years for them to do something besides sending a notice saying 'we got your dispute, we're looking into it. ' bad credit has prevented me from employment, insurance, home ownership, etc. this is truly criminal.

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 2019-11-28 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS REPORTING ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION ; THEY HAVE CAUSED SUCH A GREAT HARM TO MY CREDIT, AND BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WERE NOT AUTHORIZED BY ME.

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 2019-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Suntrust Bank # XXXX XXXX XXXX # XXXX, and XXXX # XXXX, XXXX XXXX XXXX # XXXX reporting a fradulent Loan on my credit report,

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 2019-11-28 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS REPORTING ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION ; THEY HAVE CAUSED SUCH A GREAT HARM TO MY CREDIT, AND BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WERE NOT AUTHORIZED BY ME.

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 2019-11-28 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS REPORTING ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION ; THEY HAVE CAUSED SUCH A GREAT HARM TO MY CREDIT, AND BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WERE NOT AUTHORIZED BY ME.

Company response to consumer: Closed with non-monetary relief