vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
My lease with the apartment complex XXXX XXXX ended on XX/XX/XXXX. I received a final statement through email and regular mail. It said I had 10 days from notice to pay the amount of {$170.00}. Which I went in and paid on XX/XX/XXXX. I have a money order receipt signed by them stating that I was paying my final statement in full. But now it has come to my attention that I have an account in collections that is demanding said amount when it has ready been paid for. Not to mention that upon further inspection i have realized that i was over charged. The bill stated that my lease ended on XX/XX/XXXX which let them charge me extra for staying until XX/XX/XXXX. Which is not accurate given I signed a 13month lease concluding on XX/XX/XXXX. It also stated that my reason for moving out was " money problems ''. In the whole 13months I lived there I missed paying on time once and that was a time mismanagement on my part. I did informed them when they asked what my rent would be at the new complex, that it would be about {$300.00} cheaper. I don't believe that wanting to save money is a reason to be considered as someone who has " money problems ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Not liable for debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Commonwealth, XXXX XXXX XXXX XXXX   XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$180.00}.

I have no knowledge or proof stating that I'm the owner for these debt collection payments but they are showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I signed up for a transunion account today thinking I was just signing up for an account the same way you sign up for XXXX XXXX and XXXX etc. After I registered and verified my identity, it took me to the dashboard but wouldn't show me a score. The dashboard area has a link that says " get the full picture ''. I clicked the link and it took me to a page for ordering " 3-bureau credit report and score ''. I closed out of the page because I realized it wasn't free so closed the page and I logged out of my account. I opened my email a short while later and see an email from transunion that I had been charged {$19.00} for TransUnion Report, Score, and 3-Bureau Credit Monitoring and that it will be a monthly charge until I cancel. I was very surprised by this so I XXXX how to cancel and followed the steps to cancel the subscription. However, I on the cancelation page it showed I have already been charged a one-month subscription fee from XX/XX/XXXX to XX/XX/2018 and I don't even understand why. I didn't actually place any order on the " get full picture '' page, I closed out of the page completely so I don't even understand what I was charged for? Do you get charged simply for registering and creating an account? There was no indication during registration that I would be charged. When I was asked to enter credit card information on the sign up page, I assumed it was part of ID verification. I am thoroughly confused right now and would like a refund of the {$19.00} I have been charged.

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 monetary relief
Consumer complaint received 2018-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I have noticed a few charges to my work pay card that are confusing I have been charged and had money deducted from my accountnow account most recently {$160.00} on XX/XX/18 I actually just got card replaced after this happened previousely and I'm at a loss now as to why or how this is happening I don't even use Western Union. And I noticed a few XXXX rides charged to my card also but the Western Union deductions is what I'm most concerned about all in all it was almost {$300.00} with my prior check and {$160.00} with my next check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
Not liable for debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: TX

Complaint narrative:
ftc violations item unknown XXXX, XXXX  XXXX XXXX, XXXX, XXXX inquires that i'm not aware of

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 2018-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX they have called 47 times, sometimes 3 to 5 calls a day.

I have told them several times that we do not acknowledge this debt, but they continue to the point that I stopped answering the phone. The company is Diversify Adjustment Services.

I have a wife that had XXXX XXXX XXXX, but they keep on Colling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NIC, Inc.
State: TX

Complaint narrative:
Not liable for debt

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
This debt was paid in full in XX/XX/2017, for about {$220.00}. I verbally asked over the phone before settling this debt that in exchange for my payment, they delete this account which was ( and still is ) negatively reporting on my credit. I held up my end of the agreement and paid, but they did not hold up their end of the agreement. They are still reporting negatively on my credit report under collections, as account settled. This is NOT what was agreed upon and they are holding me back from the benefits of having good credit. I have repeatedly contacted them via phone afterwards to dispute this, but after stating what my problem is each time I call, they then transfer me to another line, then the phone coincidentally gets disconnected. I paid this account and in return this was supposed to be deleted. They lied.

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 2018-06-22 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: TX

Complaint narrative:
ftc violations item unknown XXXX, XXXX XXXX XXXX, XXXX, XXXX inquires that i'm not aware of

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 2018-06-22 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: TX

Complaint narrative:
ftc violations item unknown XXXX, XXXX  XXXX XXXX, XXXX, XXXX inquires that i'm not aware of

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control Company, Inc.
State: TX

Complaint narrative:
Not liable for debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: N.A.R., Inc.
State: TX

Complaint narrative:
A deceased family member used my identity to obtain credit and i advice them i had nothing to do with it nor gain access, so they told me they hear a female on the phone so they assumed it was me trying to get out of debt, this is not my account and reporting negative on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Credit Card Company : Capital One Date of Transaction : XX/XX/XXXX Name of Merchant : XXXX XXXX XXXX Amount : {$3600.00} I didn't make any purchase from XXXX XXXX XXXX and didn't take into possession any goods or product related to this transaction of {$3600.00}. I only ordered 2 mattress toppers from the merchant name of XXXX while I travelled in XXXX on XX/XX/XXXX and the original scheduled shipment was on XX/XX/XXXX but I canceled the order on XX/XX/XXXX and reported to Capital One to stop the payment on the same date. I also talked to the sale lady to confirm my cancellation on XX/XX/XXXX. As I called the merchant to cancel my order prior to the shipment date, I assumed the matter had been resolved and I am not liable for this payment. As I can't provide the confirmation of my cancellation in writing, Capital One required me to pay for this amount now even though I didn't receive the product. This is very unfair to me that I canceled my order and informed Capital One to stop the payment on the same date of my purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc.
State: TX

Complaint narrative:
Not liable for debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: PA

Complaint narrative:
In XX/XX/XXXX I contacted the TransUnion Credit Bureau after I noticed a XXXX XXXX XXXX # XXXX credit card on my report. This credit card was opened on XX/XX/XXXX but only appeared on my TransUnion report on XX/XX/XXXX. I told them that this is NOT my credit card and that I never owned a XXXX credit card. They said they would investigate and sent me their investigation report of XX/XX/XXXX ( File Number : XXXX ) which stated that they verified as accurate that this was my credit card. 
I contacted XXXX on XX/XX/XXXX ( spoke to XXXX ) and they verified that this was not my credit card ... the mailing address, middle name, checking account # and date of birth was different from mine but my social security number was associated with that account. They told me it was a " automatic system issue '' problem and they would take care of it. I contacted XXXX on XX/XX/XXXX with no resolution in sight. This credit card still appears 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 non-monetary relief
Consumer complaint received 2018-06-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN continues to report accounts XXXX XXXX and XXXX savings bank as open when it was closed XX/XX/2015

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 2018-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: KY

Complaint narrative:
I try contacting XXXX via their online message regarding payback and qualifying payments for Public health forgiveness program. They never respond and never show proof of messages. If you call to talk to agent, there is no paper trail and calls last for such a long time it isn't possible to call with questions. In addition, information given during the call does not correlate with activity on my account. There is no holding the cust service agent accountable to my actual account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Office of Harris & Zide
State: CA

Complaint narrative:
Someone calling him/herself " XXXX XXXX '' has contacted me multiple times attempting to collect an alleged debt. I asked " XXXX '' several times to provide the account number, the name and address of the alleged creditor, and verification that " XXXX '' is authorized to act in loco creditore. In addition, the website for " XXXX '' does not function. XXXX has refused to provide all of the information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
I broke my lease 4 months early on XX/XX/XXXX due to medical issues. I did advise the rental community of this decision and was aware that I would have to pay a buyout fee. I was then billed by Fair Collections and Outsourcing for a balance signifanctly higher then I was originally quoted. I received a notice advising me that I owed a balance of XXXX to satisfy the delinquency. Upon receiving copies of the rental agreement ( requested by mail ) I found a host of errors which caused the balance to be inflated. I left the residence XX/XX/XXXX,  however I was still being charged for XX/XX/XXXX rent. I also saw a bill for the a/c stat damage. This was already an ongoing issue prior to me moving in and I informed leasing office of this. Lastly I noticed I was being charged for a washer and dryer that I never owned. Nowhere in my lease does it state I was going to be charged {$49.00} for something I never had. I spoke with a representative and requested a copy of my lease which indicated that was something in the contract. I have yet to receive it to this day.

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 2018-06-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED AUTO ACCEPTANCE
State: GA

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I submitted a request on the above dates to validate the debt I included the verbiage : " I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. " No information was ever supplied to me it has been almost 6 months

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
XXXX continues to report accounts XXXXXXXX XXXX and USAA savings bank as open when it was closed XX/XX/2015

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: CA

Complaint narrative:
account was included in BK account is being reported as past due with balance which is a violation under FCRA, accounts are paid BK discharged

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 2018-06-22 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: CITIBANK, N.A.
State: PA

Complaint narrative:
In XX/XX/XXXX I contacted the XXXX Credit Bureau after I noticed a XXXX XXXX XXXX # XXXX credit card on my report. This credit card was opened on XX/XX/XXXX but only appeared on my XXXX report on XX/XX/XXXX. I told them that this is NOT my credit card and that I never owned a XXXX credit card. They said they would investigate and sent me their investigation report of XX/XX/XXXX ( File Number : XXXX ) which stated that they verified as accurate that this was my credit card. 
I contacted Citibank on XX/XX/XXXX ( spoke to XXXX ) and they verified that this was not my credit card ... the mailing address, middle name, checking account # and date of birth was different from mine but my social security number was associated with that account. They told me it was a " automatic system issue '' problem and they would take care of it. I contacted Citibank on XX/XX/XXXX with no resolution in sight. This credit card still appears 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 non-monetary relief
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: United Collection Bureau, Inc.
State: CA

Complaint narrative:
United Collection Bureau , Inc. ( dba XXXX XXXX XXXX ) has contacted me multiple times attempting to collect an alleged debt. I have demanded that United Collection Bureau , Inc. provide the complete account number of the alleged debt, the name and address of the alleged creditor, and verification that United Collection Bureau , Inc. is authorized to act in loco creditore. United Collection Bureau , Inc. has failed to provide all of the information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
COMMONWEALTH FINANCIAL SYSTEMS {$620.00} XX/XX/2018 I tried to dispute it with XXXX because it just was posted on my credit report. I tried calling the company and they were very rude and non responsive and threaten me they were going to sue me if I didn't pay the amount above or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
account was included in BK account is being reported past due and with balance which is a violation under FCRA account is paid

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
account was included in BK account is being reported past due and with balance which is a violation under FCRA account is paid

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation