vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WESTERN UNION COMPANY, THE
State: CO

Complaint narrative:
On XX/XX/XXXX my computer was hacked into by a guy claiming to be from XXXX and wanted to fix a virus I had on my computer. At the time I could not get out of the computer so he took control of the computer only for me to learn he had fraudulently hacked into my debit bank card, my XXXX credit I had and all in all charged off over {$1200.00} in purchases. 
I was able to claim back from XXXX the credit I had there, as well as other charges he had done but the one charge i never recouped was with Western Union and that was a {$430.00} charge or money sent. 
That money sent I learned was to a XXXX XXXX in the XXXX, NY and was picked up at XXXXXXXX XXXX on XX/XX/2018. 
I have spoken to the supervisor XXXX with Western Union butr he claims to still be working on the case. 
The debit card that was used was # XXXX. That card was shut down by my bank, XXXX XXXX as a result of this fraudlent activity. The bank claimed it was my fault. 
The tracking number on the transfer was XXXX. I contacted the Sheriffs Dept and filed a complaint.

The phone number for the Western Union Manager XXXX was XXXX Opt XXXX. 
I do not know a XXXXXXXX XXXX and I did not authorize the transaction and I feel i am owed that {$430.00}. 
Western Union has not helped me in tracking down the guy that did this. I need that money desperately Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
I have been paying XXXX a month on this loan for 12 months. My initial lian amount was XXXX and currently has an outstanding balance of {$6100.00}. As i look over the contract the total balance due is nearly XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: FL

Complaint narrative:
I was out of the countries for 14 months while I was gone my XXXX XXXX XXXX along with 2 other cards were being used In Florida when I was in the XXXX XXXX. I came home to letters from XXXX and saying I owe almost XXXX I didnt even use my card I filed many complaints with including letters and fraud no one has done nothing

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 2018-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I paid XXXX XXXX {$5000.00} so that my account would be at a XXXX balance. But they are still saying I owe them money. They took my money and wont give me credit for it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AE

Complaint narrative:
I can not view updated credit information online through any means that I currently use. XXXX XXXX gives me an error stating that both XXXX and XXXX are unable to provide them with my credit information, it also states that it cant retrieve info from the credit bureau. I have been using XXXX XXXX for two years and haven't had an issue until recently, the last update was XX/XX/2018. The app says to contact XXXX or XXXX to resolve the issue. To verify that whether it is a XXXX XXXX issue, I went to XXXX to request my free credit reports and got errors from all three companies. XXXX says for my protection they can not deliver it online, Experian says a condition exists that prevents them from being able to accept my request, and XXXX says they can not confirm my identity. I called XXXX to see if there was an issue with my credit report, like fraud or theft, and all they could do for me is tell me that they see a credit score and will sell it to me for {$9.00}. Even my credit cards that track my score can't get an update. I am very concerned about the status of my credit but can't seem to get an answer from any entity about what is going on.

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 2018-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Miller, Stark, Klein and Associates
State: OR

Complaint narrative:
I was receiving harrassing recorded voicemails on our business line ( where we have other employees answering and checking messages daily, but not any on my personal cell that I recall. On XX/XX/18 was the last day to date I received a normal voicemail on my cellphone ( XXXX XXXX is carrier ). I received a few missed calls from my sales accounts but no voicemail was left. Only when an account/friend of mine texted me alerting me that my voicemail was rerouting/forwarding to a collection agency in North Carolina. I called my cellphone number from our office line and expected it to go to my outgoing vm message for work, but instead it also went to this company : XXXX XXXX XXXX I spoke with the customer service person who answered and asked why my personal cell number without any authorization from me to do so, was forwarding to their business? He asked " Is this XXXX XXXX? '' which alarmed me since I called from our business number but did answer " yes this is she ''. He then asked if my social was : XXXX which it was, but I was very alarmed he had my personal info so I said that was incorrect and how did they acquire any personal info from me and what was this regarding. He noted an amount of a debt ( but could not disclose the creditor ) of around {$750.00} but they were willing to settle for {$500.00}. I felt this was a scam or identity theft/fraud so I took down their contact info and I asked him to let me speak to a manager but he hung up on me. 
Made several attempts to speak with someone and find out how/why they had my voicemail routing ( which was affecting my business as a salesperson who relies on accounts to call and leave orders on voicemail. 

I filed an online complaint with the FBI and the FTC. I then changed my phone number with XXXX XXXX online, after updating and order new businesscards with new number, sending out updated info to all of my friends, family and colleagues. My new number has now also been hacked and now my voicemail message is now routing to this same debt collection business. 

I want to know how to pursue legal action against this company for id theft, fraud, and any other criminal activity a legal pursuit may turn up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I pulled a copy of my credit report on XX/XX/2018. Upon Review of my report, I saw that equifax is reporting a collection account listed as XXXX XXXX XXXX, account # XXXX, in the amount of XXXX that I do not owe. I sent a letter to Equifax on XX/XX/2018 stating this this is being reported in error and ask for validation of this account. I received a letter copy of my updated report and it stated that the account was verified and reported accurately. I sent another letter to them, once again disputing this account on XX/XX/2018 asking for this account to be validated and to send me written proof, a signed document, contract or the name, number date of who they spoke to so that i call myself and dispute this directly with the collection agency. I received the same response, a letter stating that the account was verified and no proof of anything. I sent another letter XX/XX/XXXX and I received the same response. No proof, just a letter that stated as verified accurate. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that theyverified that these items are being reported correctly? I have the legal under the FCRA to know who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Collection Service Inc (GA)
State: GA

Complaint narrative:
On XX/XX/2018, I received a collection notice from professional collections of XXXX, Georgia, for the amount of {$2700.00}. I have asked for a validation letter from them and they have refused to send me one. I have also spoken with the armour landing apartments landlord. She has said numerous times that the debt was to be split between the 3 people on the apartment lease. Professional collections has said that I will have to pay the amount to be collected within 2 months.

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 2018-10-23 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE

Complaint narrative:
I can not view updated credit information online through any means that I currently use. XXXX XXXX gives me an error stating that both TransUnion and XXXX  are unable to provide them with my credit information, it also states that it cant retrieve info from the credit bureau. I have been using XXXX XXXX for two years and haven't had an issue until recently, the last update was XXXX XX/XX/2018. The app says to contact TransUnion or XXXX to resolve the issue. To verify that whether it is a XXXX XXXX issue, I went to XXXX to request my free credit reports and got errors from all three companies. XXXX says for my protection they can not deliver it online, XXXX says a condition exists that prevents them from being able to accept my request, and TransUnion says they can not confirm my identity. I called TransUnion to see if there was an issue with my credit report, like fraud or theft, and all they could do for me is tell me that they see a credit score and will sell it to me for {$9.00}. Even my credit cards that track my score can't get an update. I am very concerned about the status of my credit but can't seem to get an answer from any entity about what is going on.

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 2018-10-23 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 — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: AE

Complaint narrative:
I can not view updated credit information online through any means that I currently use. Credit Karma gives me an error stating that both XXXX and XXXX are unable to provide them with my credit information, it also states that it cant retrieve info from the credit bureau. I have been using Credit Karma for two years and haven't had an issue until recently, the last update was XX/XX/2018. The app says to contact XXXX or XXXX  to resolve the issue. To verify that whether it is a Credit Karma issue, I went to XXXX to request my free credit reports and got errors from all three companies. XXXX says for my protection they can not deliver it online, XXXX says a condition exists that prevents them from being able to accept my request, and XXXX says they can not confirm my identity. I called XXXX to see if there was an issue with my credit report, like fraud or theft, and all they could do for me is tell me that they see a credit score and will sell it to me for {$9.00}. Even my credit cards that track my score can't get an update. I am very concerned about the status of my credit but can't seem to get an answer from any entity about what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
There are fraudulent charges on my citi/Aadvantage credit card on XX/XX/2018. My card has chip embedded. I also have my wife and son on this card. I had my card in my possession and so did my son. My wife had lost her card. She has filed a police statement with this information. I have procured the fraudulent charges done at Home Depot and given a copy of that to the police. Citi claims the card used for the fraudulent charges has my name on it. Nobody in my family has done these transactions and I did not give my card to anyone. So this is a mystery. The video camera at the point of sale counter should provide a proof of who did the transactions. Also two gift cards of {$2000.00} each were purchased which can be tracked to see who used it. This should absolve me of implied complicity. Instead Citi closed the investigation claiming these are my charges as I had the card in my possession and are now repeatedly making collection calls.

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 2018-10-23 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: MS

Complaint narrative:
My account with CapitalOne was closed in XXXX by CapOne. After closing the account CapitalOne reported late payment activity ( POST ACCUNT CLOSING ) on a closed account. This is a violation of FCRA and FDCPA. Attached is a credit report from XXXX Sent to me on XX/XX/2018 showing the accurate reporting of this account and is attached for evidence that any other reporting took place well after this account was closed. 

I have reached out to CapitalOne via mail and phone with no response. 

Your help in resolving this matter is greatly appreciated. 


Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPL Recovery Solutions
State: CA

Complaint narrative:
Called everyone in family discussing debt and threatening them without contacting me prior and repeatedly calling my work. XXXX ex XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I pulled a copy of my credit report on XX/XX/XXXX. Upon Review of my report, I saw that Transunion is reporting a collection account listed as XXXX XXXX XXXX, account # XXXX, in the amount of {$220.00} that I do not owe. I sent a letter to Transunion on XX/XX/XXXX stating this this is being reported in error and asked for validation of this account. I received a copy of my updated report and it stated that the account was verified and reported accurately. I sent another letter to them, once again disputing this account on XX/XX/XXXX asking for this account to be validated and to send me written proof, a signed document, contract or the name, number date of who they spoke to and I received the same response, a letter stating that the account was verified and no proof of anything. I sent another letter XX/XX/XXXX and I received the same response. No proof, just a letter that stated as verified accurate. 

Despite three written requests, the unverified item listed above still remains on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that theyverified that these items are being reported correctly? I have the legal right under the FCRA to know who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

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 2018-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Control Technology, Inc.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for  collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hi, I'm not sure who to contact with this anymore, but I was shocked when I reviewed my credit report and found late payment on the dates below : Huge variations between the reporting between the major credit bureaus. 

XX/XX/XXXX - 30 days late? 
XX/XX/XXXX - 30/60 days late? 
XX/XX/XXXX - 30/60 days late? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
pulled a copy of my credit report on XX/XX/2018. Upon Review of my report, I saw that Equifax is reporting a collection account listed as XXXX XXXX XXXX, account # XXXX, in the amount of {$220.00} that I do not owe. I sent a letter to Equifax on XX/XX/2018 stating this this is being reported in error and asked for validation of this account. I received a copy of my updated report and it stated that the account was verified and reported accurately. I sent another letter to them, once again disputing this account on XX/XX/2018 asking for this account to be validated and to send me written proof, a signed document, contract or the name, number date of who they spoke to and I received the same response, a letter stating that the account was verified and no proof of anything. I sent another letter XX/XX/2018 and I received the same response. No proof, just a letter that stated as verified accurate. Despite three written requests, the unverified item listed above still remains on my credit report in violation of Federal Law.  They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that theyverified that these items are being reported correctly? I have the legal right under the FCRA to know who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified

Company response to consumer: Closed with explanation