vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-17 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I filed a complaint in this site on XX/XX/XXXX regarding Wrong information showing my XXXX that I have disputed multiple time and Hyundai intentionally keep reporting This account is paid off since XX/XX/XXXX. attached are the documents Balance {$510.00} Highest Balance {$0.00} Opened XX/XX/XXXX ( 4 yrs, 2 mos ) Term 72 months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Debt name is XXXX XXXX  XXXX thats what appears on my credit report the name with no account number and is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I have been a Kohls charge card holder for many years. In XX/XX/2018, there was a mix up between mine and my husbands cards and he accidentally used mine rather than his without my knowledge. ( Did you know you guys have sent me SIX new cards in the last year?? SIX. Its no wonder he grabbed one of my SIX Kohls cards that I never requested. And how troubling that the cashier didnt ask to see an ID as the card only has my name on it and says to SEE ID. ) Due to not knowing that I was carrying a very small balance on my card, it went unpaid resulting in a negative impact on my credit score. In this time, I have not received ANY phone calls, or notices that there was a past due amount that needed to be taken care of. I was just in the store last week and used the card and nobody told me then, either!!! I had the funds to pay to small amount due had I known about it. No notices, no phone calls, nothing in the mail. I am requesting that Kohls removes this late payment from my credit report. I have been a loyal customer and without this being removed, I will be forced to close my account. I can not do business with a company who lacks severely in communication with their cardholders!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Orions Management Group, LLC
State: CA

Complaint narrative:
On XX/XX/2018 at XXXX XXXX on saturday I received a voicemail from XXXX XXXX from orion management group. They said it was urgent and to call as asap. So XXXX I called back and spoke with the agent. He then proceeded on about a collection I have through XXXX  credit card. He told me that he has on file that they tried to call me about the debt and that I replyed bavk " just sue me '' I told him that I never received a phone call from them nor did I ever say to just sue me. He then proceeded on to me that I am going to recieve a court summons on Monday. He told me that he is working on behalf of there companies lawyer. He then went on to tell me that if I settle this debt for {$500.00} then they will stop the summons. I then told them that i can pay the {$500.00} on the XXXX, but he wanted my debit card information right now so he can put a ach debit for the XXXX. I then told him I can not do that because I've done that in the past and they illegally tried to withdrawal {$5000.00} in my account, and that I had to hand my account t over to fraud and close it. He then went on to tell me that that isnt his problem and that I have no other option. He then threatened to contact my employer in which I told him that I don't take personal calls at work. He then said again that he will be contacting my employer and that if I'm not willing to give my debit card information right then and there then I will be getting a summons on Monday. I am currently trying to get this all situated as this is a collection account t I don't recognize. I have documentation stated that my information from my background investigation for the military has been hacked into and stolen. I have a letter from OPM amd the federal government. I'm just very careful as I want to make sure this is truly mine and if it is this gives them no excuse to treat people like this and try to harass and intimidate people by misleading them and having very shady collection practices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 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: WA

Complaint narrative:
EQUIFAX IS PULLING THE SOCIAL SECURITY & NAME OF MY SISTER INSTEAD OF ME. ALL OF THE TRADELINES PULLED BY EQUIFAX IS FOR MY SISTER. 

1 ) OUR NAMES ARE VERY SIMILAR INCLUDING THE MIDDLE INITIAL 2 ) OUT SOCIAL SECURITY NUMBER IS DIFFERENT BY THE LAST 2 DIGITS. 

3 ) FOR SOME REASON EQUIFAX HAS BLENDED OUR CREDIT REPORT AND SO ALL OF HER INFORMATION IS PULLING AS MINE. I HAVE TRIED TO CONTACT EQUIFAX SEVERAL TIMES VIA WRITING AND PHONE CALLS WITH THEM NOT FIXING THE ISSUE ON THEIR END 4 ) XXXX AND XXXX SHOW CORRECT INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
The federal law of 'right to refuse service ' has its limits, that may extend beyond civil rights. Likewise, as per the Consumer Review Fairness Act of 2017, it's illegal for a company to impose a penalty against someone who gives a review, which can even be about its customer service. ( Source : https :  //www.ftc.govXXXX ) I asserted my rights as a customer by tweeting against American Express ' poor customer service ( especially that of its overseas ' teams, which provide so poor quality service, that it seems they work on some sort of a contract for American Express , and aren't American Express employees ). Ever since I ( privately ) complained against a deceptive privacy & data security claim by providing audio of a call to the American Express Social Customer Care team ( XXXX handle : AskAmex ), it has been boycotting me by ignoring my XXXX & messages, and helping out everyone else who tweets to it. 

Until that point ( XX/XX/XXXX ), I had only posted a meme about their overseas customer care, and had posted screenshots of comments by one of AmericanExpress.com 's chat-based overseas customer service representative. I hadn't even been remotely rude towards the AskAmex team-members until then, and can prove it via my tweets, and XXXX messages exchanged with XXXX. I also hadn't used vulgar language, and had only provided my honest reviews, yet XXXX has been boycotting me since XX/XX/XXXX. 

XXXX is the best customer care team of American Express. 
I believe it's illegal for it to retaliate against me for posting honest reviews by refusing me service, even though it may disagree with my assessment or opinion of American Express ' overseas customer care teams.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 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: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
XXXX XXXX has erroneously place a 30 day late payment due on my account for the month of XX/XX/XXXX. I leased the vehicle from XX/XX/XXXX and the lease ended in XX/XX/XXXX in which I made all contractual lease payments on time. My lease payments were made in full. At the end of the lease there was a balance of approximately {$4100.00} unknowingly due to mileage. I was not able to pay off the balance however I have been paying the arranged amount of XXXX per month which is indicated on the call and check I sent in ( see picture attached ). I have been sending this payment in monthly. XXXX XXXX is misrepresenting me as late on my lease payment of {$610.00} per month which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Multiple letters were sent to this consumer who can not provide original, valid documentation regarding this debt. 

Letters were sent in XXXX and XX/XX/2018.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
PENNYMAC AT THE REQUEST OF THE INVESTOR WHICH IS XXXX XXXX XXXX HANDLED THE APPLICATION PRIOR TO THE PRIMARY BORROWER WHICH PASSED XX/XX/XXXX. PRIMARY BORROWER WAS INSURED BY OPM/OFFICE OF WORKERS COMP SINCE XX/XX/XXXX. BOTH BORROWERS WAS TOTALLY TAKEN ADVANTAGE OF SINCE THE BEGINING WHEN AT NAUGLE REQUEST MONEY BE LOANED TO HELP RAISE THERE XXXX CHILDREN FROM INJURY. AT THE REQUEST THAT THEY WOULD RESPECT THERE WISHES TO BE ASSISTED BY SON THAT HAS THE ABILITY TO COMPLY AND COMPLETE AND MOST IMPORTANTLY TO BE ABLE TO ADDRESS ISSUES WHEN CLEARLY FEDERAL GUIDELINES ARE UNLAWFULLY BEING REFUSED TO COMPLY FOR NO OTHER REASON BUT TO DISCRIMINATE AGAINST MENTALLY ILL APPLICANT FOR THE INVESTORS FINICAL GAIN. THIS IS NOTHING ELSE BUT TO CAUSE SENIORS TO FULLY BE TAKEN ADVANTAGE OF AND CAUSE TO OWNERS TO LOOSE THEIR ONLY PLACE OF RESIDENCE. PENNYMAC NEVER ACCETED COMPLETED APP. ALWAYS ANSWERED AS NONCOMPLETE WITH EVER SOURCE OF INCOME BEING GIVEN & AWARDS OF SSDI, SSI. XXXX XXXX PRIMARY BORROWER PASSED WITH A WRONGFUL DEATH THE APP WAS DENIED AND RECOMMENDED FORCLOSUREWITH NO ASST PROVIDED OR RESPECTFULLY ALLOWING SON WITH THE ABILITY TO ENFORCE COMPLIANCE FOR ADDITIONAL OPTIONS TO SAVE HOME. TREATENED MENTALLY ILL APPLICANT WHEN SHE SHOULD HAVE BEEN RESPECTFULLY BEEN GIVEN THE TIME TO GRIEVE PENNYMAC DID NOTHING ELSE BUT TO SEEN WORKER FROM PENNYMAC TO FORCE THERE SELF IN SENIORS HOME FOR PICTURES AND TOLD CO BORROWER THE RESIDENCE WOULD BEEN FORCLOSURE WITHIN DAYS TO TAKE STEPS TO ASSURE VACANTING THE HOUSE WOULD OFFER ALITTLE TO NONE AND HER BELONGINGS WOULD BE TROWN OUT OF RESIDENCE INTO FRONT YARD 30 YEARS OF BELONGINGS. PENNYMAC AS WELL AS XXXX XXXX XXXX DOES NOT RESPECT OUR FEDERAL LAWS ASSURING TO ALL AMERICANS BEING A HOMEOWNERS IS POSSIBLE. THERE MAIN FOCUS AND ONLY CONCERN IS HIGH GAINS AND THE PROPERTY IS LOST FOR THEM TO TAKE OUR HOMES. 

THANKS PENNYMAC & XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX has erroneously place a 30 day late payment due on my account for the month of XX/XX/XXXX. I leased the vehicle from XX/XX/XXXX and the lease ended in XX/XX/XXXX in which I made all contractual lease payments on time. My lease payments were made in full. At the end of the lease there was a balance of approximately {$4100.00} unknowingly due to mileage. I was not able to pay off the balance however I have been paying the arranged amount of XXXX per month which is indicated on the call and check I sent in ( see picture attached ). I have been sending this payment in monthly. XXXX XXXX is misrepresenting me as late on my lease payment of {$610.00} per month which is not true.

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 2018-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital one. Has not fixed the issue .. 2 cards open in my name without my knowledge by someone I know. I went to purchased house saw the cards on my credit report. I paid them down. Now the cards are maxed out. Over {$4500.00} on the cards. I dont even have the cards in my possession. I dont shop at XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Multiple letters were sent to this consumer who can not provide original, valid documentation regarding this debt. 

Letters were sent in XXXX and XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Year ago.. XX/XX/2017. I went to go buy home saw someone opened XXXX XXXX card in my name. I paid the card down..my balance was around $ XXXX- XXXX.. now my card is maxed out according to XXXX XXXX and I do not have card in my procession.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Multiple letters were sent to this consumer who can not provide original, valid documentation regarding this debt. 

Letters were sent in XXXX and XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
Multiple letters were sent to this consumer who can not provide original, valid documentation regarding this debt. 

Letters were sent in XXXX and XX/XX/2018.

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 2018-06-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
i had did many complaints with bank of America and is ongoing thing. i feel my identity been robbed of my credit card i want a full investigate because i did so many complaints and never was resolve. i been a client of bank of America two decades i never paid late. and i don't know my bills doesn't get low. my ability i cant i need to now who is robbing my credit and the minimum is XXXX but i pay XXXX every month to get off the amount of money i owed. to get of my debt but what i see the account don't get low i see something not right i be paying i already try talking to bank of America about my complaint of my credit card but still nothing gotten resolve. also i call the credit card number i speak to the operator and still they don't resolve my complaint. i need a full investigation whats going on i feel my identity been robbed. please thank you.

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 2018-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Services Collections, Inc
State: TX

Complaint narrative:
This medical debt that Account Service Collection Agency has been reaged. This debt occurred in XX/XX/2011 and was paid years ago. The debt has been reaged and the collection agency is unable to provide the original documentation of when the debt occurred and actual charges that were assessed. There are 4 accounts and 3 of them are charged multiple times ( 3 for XXXX dollars ). There were only two initial charges which was XXXX and XXXX dollars which were paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-17 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:
These accounts below are paid off. 


XXXX XXXX XXXXXXXX XXXX {$92.00} {$300.00} 31 % Revolving Current XX/XX/XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open Payment Status No status Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Credit Limit - Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Your Statement -

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 2018-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts below are paid off. 


XXXX XXXX XXXXXXXX XXXX {$92.00} {$300.00} 31 % Revolving Current XX/XX/XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open Payment Status No status Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Credit Limit - Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Your Statement -

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 2018-06-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts below are paid off. 


XXXX XXXX XXXXXXXX XXXX {$92.00} {$300.00} 31 % Revolving Current XX/XX/XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open Payment Status No status Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Credit Limit - Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Your Statement -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Negative credit accounts, such as charge-off accounts or collections, have a limited amount of time that they can appear on your credit report. After seven years, most negative accounts are automatically deleted from your credit report, according to the Federal Trade Commission XXXX XXXX XXXX XXXX XXXX {$3000.00} - - Installment Negative XX/XX/XXXX XXXX XXXX {$1000.00} {$1500.00} 70 % Revolving Negative XX/XX/XXXX XX/XX/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 2018-06-17 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: TX

Complaint narrative:
Negative credit accounts, such as charge-off accounts or collections, have a limited amount of time that they can appear on your credit report. After seven years, most negative accounts are automatically deleted from your credit report, according to the Federal Trade Commission XXXX XXXX XXXX XXXX XXXX {$3000.00} - - Installment Negative XX/XX/XXXX XXXX XXXX {$1000.00} {$1500.00} 70 % Revolving Negative XX/XX/XXXX XX/XX/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 2018-06-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Negative credit accounts, such as charge-off accounts or collections, have a limited amount of time that they can appear on your credit report. After XXXX years, most negative accounts are automatically deleted from your credit report, according to the Federal Trade Commission CAPITAL ONE AUTO FINAN XXXX {$3000.00} - - Installment Negative XX/XX/XXXX CAPITALONE XXXX {$1000.00} {$1500.00} 70 % Revolving Negative XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Nelnet/ Have you contact the original creditor to check to see if this is my debt? If you did, name and address and phone number of company of the original creditor.

Company response to consumer: Closed with explanation