vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-22 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: GA

Complaint narrative:
My Tranunion score was showing a XXXX on XX/XX/XXXX. On XX/XX/XXXX I received 3 alerts from XXXX XXXX, XXXX   XXXX, XXXX XXXX and XXXX XXXX XXXX from XXXX  that monitors all 3 credit bureau.. One of my TransUnion alert was an increase of XXXX on a XXXX XXXX credit card, another alert said I was added to an authorized user with a XXXX credit limit, and the other said I had a TranUnion decrease on my credit score.. After reviewing my TransUnion credit report I noticed a drop from XXXX to XXXX so I then looked at my XXXX  and XXXX reports and both of them was increased by a few points for the XXXX increased credit card and the XXXX credit card authorization on my account.. XX/XX/XXXX I called XXXX and ask them why did my fall scrore drop dramatically instead of going up because everything that was posted on XX/XX/XXXX was positive and the representative couldve give me an answe ... I been working trying to get my credit scrore decent enough to where I wouldnt be in bondage and have to suffer an high interest rate considering the credit bureaus determine pretty much our futures bye having control of our credit scores.. if these credit bureaus can keep our scores low enough to where they can profit than they will.. I worked hard to get my score at XXXX and every month I pay my bills on time and my score slowing increases by 2-3 points every month until now.. this is the second time Tranunion has deceived me from my credit score raising.. and it wasnt nothing I could do about it but work twice as hard to get it back up and then it happens again ...

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 2018-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion did not correct all the records as I requested in the last case # 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 2018-03-22 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: Student Loan Control, LLC
State: MD

Complaint narrative:
Received a bogus notification of a credit-card debt settlement from an organization that operates under the following company that is already discredited by the XXXX  : Student Loan Control , LLC 7 years in business XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX  Link XXXX XXXX XXXXXXXX They use the clever, but duplicitous, moniker " Department of Negotiations. '' They appear to also operate under the following name : XXXX XXXX XXXX It's a scam designed to prey on the ignorant.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: NY

Complaint narrative:
XXXX : The past due amount reported is incorrect, please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX I made a Kohls purchase and selected for two day delivery as I was heading out of town before XXXX vacation. My delivery was expected to arrive on XX/XX/XXXX. I was heading out of town on XX/XX/XXXX. For some reason or another my package was going from one state to another state and probably was in about 10 states. I have no idea when my package was going to arrive and neither did XXXX. So I called Kohls to cancel my transaction as I would not be home to receive my shipment at this point ( given nobody knew when it was going to arrive and I had to depart town on the XXXX ) and would be no good to me as I was already heading out of town for XXXX vacation and needed those packages with me to take as gifts for my loved ones. Either way my packages never arrived, and I dont know if Kohls ever cancelled my order as requested to do so by me. To this day Im being charged interest on top of interest late fees and all kinds of stuff on a purchase that was blatantly canceled on my end and never received. I keep trying to make a payment to keep my account current balance because I dont want it to go an affect my credit report. Kohls has taken no further action to resolve this issue its been going on for as I said since XXXX of my order was supposed to be canceled and Im still being charged with interest on top of it! Not only that every month my account is different my balance is different just the other month I was supposed to receive {$120.00} check because I was overpaid and I never received anything and then I received a letter from them saying that was an account mistake. I would like to see my account summary because nothing makes sense!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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:
CALLTHE COMPANY TOLD THEY THIS ACCOUNT DOSENT BELONG TO ME EVEN EMAIL AND DISPUTE THIS ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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:
CALLTHE COMPANY TOLD THEY THIS ACCOUNT DOSENT BELONG TO ME EVEN EMAIL AND DISPUTE THIS 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 non-monetary relief
Consumer complaint received 2018-03-22 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: Nelnet, Inc.
State: FL

Complaint narrative:
TOLD COMPANY NEVER OPEN A STUDENT LOAN EMAIL AND CALL FOR PROOF OF DOCUMENT NOTHING WAS DONE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy a bona fide and verified claim must be presented. Therefore, I am conditionally accepting your offer as noted above, upon : 1. VARIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VARIFIABLE Proof of Amount of the actual debt, 3. VARIFIABLE Proof of Payments made on the account, 4. VARIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VARIFIABLE Proof of Fees and interest amounts, 6. VARIFIABLE Proof that XXXX, C/S CARE DEPT is owed money, 7. VARIFIABLE Proof of a signed contract showing the terms about the debt, 8. VARIFIABLE Proof of that XXXX owns the debt/or has been assigned the debt. 
9. VARIFIABLE Proof of a copy of a true bill from the original creditor, 10. VARIFIABLE Proof of a complete payment history, starting with the original creditor, 11. VARIFIABLE Proof of a Certified and True Copy of the original signed agreement or application, 12. VARIFIABLE Proof of a copy of a canceled check from XXXX XXXX XXXX to the original creditor.

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 2018-03-22 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: MI

Complaint narrative:
As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy a bona fide and verified claim must be presented. Therefore, I am conditionally accepting your offer as noted above, upon : 1. VARIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VARIFIABLE Proof of Amount of the actual debt, 3. VARIFIABLE Proof of Payments made on the account, 4. VARIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VARIFIABLE Proof of Fees and interest amounts, 6. VARIFIABLE Proof that XXXX, C/S CARE DEPT is owed money, 7. VARIFIABLE Proof of a signed contract showing the terms about the debt, 8. VARIFIABLE Proof of that XXXX owns the debt/or has been assigned the debt. 
9. VARIFIABLE Proof of a copy of a true bill from the original creditor, 10. VARIFIABLE Proof of a complete payment history, starting with the original creditor, 11. VARIFIABLE Proof of a Certified and True Copy of the original signed agreement or application, 12. VARIFIABLE Proof of a copy of a canceled check from XXXX XXXX XXXX to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: ACRANET INC
State: AZ

Complaint narrative:
On XX/XX/2018 an institution named XXXX placed a hard inquiry on my credit report. I did not give authorization to anyone to place a hard inquiry/run my credit, have not given out my Social Security Number for a credit inquiry, nor do I know who/what this company is.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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:
TOLD COMPANY NEVER OPEN A STUDENT LOAN EMAIL AND CALL FOR PROOF OF DOCUMENT NOTHING WAS DONE

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 2018-03-22 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:
TOLD COMPANY NEVER OPEN A STUDENT LOAN EMAIL AND CALL FOR PROOF OF DOCUMENT NOTHING WAS DONE

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 2018-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch
State: MN

Complaint narrative:
Alleged debt bought by Second Round Limiter Partnership. Failure to provide validity of debt and proceeded to put said alleged debt on my credit report, which is against the FDCPA. Item must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX consistently talks to my relatives, as soon as they identify as a relative, about my debt, how much is owed, account information and attempts to collect payment from them. The latest attempt was XXXX about XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient is showing up on my credit report as late on 9 different loans but not on all my loans that I had at that time. There where different services during that time and they can not explain to me why it is reporting late over 90 days for XX/XX/XXXX and XX/XX/XXXX which are summer months. I have attached an email that I sent directly to XXXX XXXX and she still has not responded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I opened a Chase checking account on XX/XX/2018. Immediately after opening the account I electronically deposited two checks for {$430.00} and {$990.00} respectively. Two days later, I attempted to log in to see if the checks were cleared but I was informed that my accounts were automatically closed. I called chase and the customer service representative told me that my accounts were closed for 1 ) reasons they refuse to disclose and 2 ) that my balances on the account would be sent to me in a check within 5-7 days.

It has been more than 5 days already and I haven't got my funds back. Chase is holding my money hostage and hasn't issued me a refund yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
Received phone call from Ability Recovery Services ( XXXX ) on XX/XX/XXXX. Also received calls on XX/XX/XXXX and XX/XX/XXXX. The company claims that I owe a debt to the XXXX XXXX XXXX for {$100.00} from XXXX. 

The first time I had any phone contact with this company was on XX/XX/XXXX. At that point, they made a claim that they had sent me multiple letters since XXXX attempting to collect this debt. I have received none of them. I told them I was able to make arrangements to settle the debt on XX/XX/XXXX. I did not give them any credit card information. 

On XX/XX/XXXX I called XXXX XXXX XXXX personally. The person I spoke with said according to their records my account did not show any outstanding balance and that my information was never forwarded to a debt collection agency. Also on XX/XX/XXXX, Ability Recovery Services attempted to contact me and left a voicemail because I was unable to answer the call. 

On XX/XX/XXXX, I received another phone call from this company ; this time with a very threatening tone. The woman I spoke to began by telling me that I owe this money and that I should " stop lying about not receiving any of their letters. '' She also threatened to add it to my credit report and refused my request for a certified letter. In addition, she made disparaging remarks about my financial situation and told me I " was a scam. '' She also refused multiple requests for information necessary to dispute said claim. 

Finally, on XX/XX/XXXX, I once again reached out personally to the XXXX XXXX XXXX. Once again, I was reassured that my account was up to date and no further action had been taken against me in regards to my account going into collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
They were providing false information related to account numbers and reference info after I had submitted a payment. What was most disappointing was the fact that this debt was not even mine. Someone had used my social security to obtain service through att and I was paying for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I made my month payment to my loaner. on time but the payment was never apply to my bank account and they told me the bank didnt approve the payment!! When i called again they told me the have the wrong bank account when i been making the payment with the same bank account.they been changing the answer on every single call i did!!! When i called told them to make sure why they didnt take the money out and they gave me a different story i was told that I didnt have enough money when i know for sure i did have the money to pay, the loan now they are charging me late fee and my credit score went down because of that.i just want the bank loaner to fix the payment to make sure they take the money out the bank account and dont over charge me, to fix my credit scores!!! Thank you so much i hope you can help me out

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In XX/XX/XXXX, I received a notice from one of my credit monitoring companies, stating that a bankruptcy that I had disputed with the credit bureaus, had been removed from my credit report. On XX/XX/XXXX, I printed out a copy of that report. On XX/XX/XXXX, the credit bureaus added the bankruptcy back my credit report, as a new bankruptcy, without notifying me within 5 days. Violating the Fair Reporting Credit Act ( FCRA ) 611 ( 15 U.S.C. 1681I ) ( a ) ( 5 ) ( B ) ( ii ). You will see from the  documents I submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BMO Harris repossessed 6 vehicles. One of them was not even financed by them. I owe month of XX/XX/XXXX and I told them we would pay them in full to be current. They will not hear nothing of it. I estimate I have paid out XXXX if the XXXX XXXX dollar price tag and just like that I loose all I have worked for. This is over a two and a half year period. Dealing with these guys is a rip off. I strongly urge consumers to stay away from BMO Harris for financing needs. I told them I was not going to lose my investment and i would send funds to get us current and then they said they were adding 7000 plus for fees related to repossession. Buyer beware!

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 2018-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: TX

Complaint narrative:
This is pursuant to the companies response stating we did not provide evidence that the vehicle is a lower model than that was on the paperwork. The paperwork and price is based on a 2015 XXXX XXXX XXXX. The actual vehicle is the 2015 XXXX XXXX. The lower model is of much lower value. 

Complaint # XXXX We have recieved the actual MSRP document from XXXX XXXX, of the exact vehicle we have, with VIN number. Which is not what was stated to XXXX XXXX, and also presented to her on a fake XXXX report.

Company response to consumer: Closed with explanation