vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Dates Fraudulent Accounts Opened : Amount : Company : XX/XX/XXXX {$1400.00} Barclays Bank Delaware XX/XX/XXXX {$5100.00} XXXX After I applied for an auto loan in XX/XX/XXXX, I reviewed my credit report and noticed that there are multiple accounts that were opened under my name with no knowledge about them. I was shocked to find out that I had been a victim of identity theft since my information had been compromised. Me being a victim of identity theft has negatively impacted my life severely causing me to have the worst experience of XXXX and XXXX. I had no idea what to do next. I knew that I had to do something to get the fraudulent accounts corrected immediately. I did some online research and found the FCRA and Federal Trade Commissioner helpful in which had led me filing a police report as it did get approved by XX/XX/XXXX. Furthermore, I had obtained an approved police report and sent it to each major credit bureau via certified mail, affidavit, and notarized to have the fraudulent accounts removed from my credit file. However, only one credit bureau has been compliant thus far and the remaining two have not. The actions I took to try to get my identity theft problem resolved was to also file an identity theft report with the Federal Trade Commissioner as well is to mail the report to each credit bureau ( XXXX and XXXX ) as well as contacting the creditor directly. Still, nothing resolved.

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 2018-09-19 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: Northstar Location Services, LLC
State: TX

Complaint narrative:
Called my sister twice after speaking with me. Called my brother as well after speaking with me. Even contacted my ex husband. Asked for my information without telling me why they wanted it. 
XX/XX/18 was the most recent I spoke with them and the most recent they called my sister. Was told 3 different amounts of a debt and encouraged to give my account information immediately to settle a credit card, when I said I couldn't do that they continued to harass my family who I don't speak to. 
I have received nothing via mail only by phone recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
TO WHOM IT MAY CONCERN : On XX/XX/2018 XXXX charged my Chase Bank debit/credit card via an auto renewal. I never set up auto renewal and they only had my card because of other services I had purchased. I contacted XXXX to follow-up on the unauthorized charge. I informed the the XXXX representative, the day I originally set up my domain with XXXX, that I spoke with a XXXX rep on the phone when setting up my website, that I did not want auto renewal because I often don't have sufficient funds in my account and I also like to keep the decision to renew. I was told to dispute the auto charge with Chase Bank per XXXX, as they noted that they could not refund the charge. 

On or about XX/XX/2018 I contacted my bank to dispute the charge, as I was instructed to do that by the XXXX representative. Chase bank issued a reversal and credited my account for {$200.00}. 

On or about XX/XX/2018 Chase reversed my {$200.00} credit and debited my account. I called Chase Bank and the representative instructed me to follow-up with XXXX as they were the ones that had my funds. 

I followed up with XXXX and the said the funds had been refunded on XX/XX/2018. My XXXX billing history reflects that amount being credited to my account and yet there was no corresponding credit made to my Chase Bank account. 

I followed up with my Bank in XX/XX/XXXX. The reason for the late follow-up was that I was hospitalized for four days due to a XXXX. I spoke with a Chase Bank representative and they put me in contact with a customer representative via phone. They told me the funds were not with Chase Bank and I should talk to XXXX. So they just keep saying the other has the funds and I should contact the other. Chase bank shows the money as being paid to XXXX and the XXXX billing shows the money as being credited to my Chase Bank card. One or both of them are lying and have my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-19 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I disputed a 30 day late on XX/XX/2016 and XX/XX/2016. i disputed this error with XXXX, XXXX , XXXX and XXXX. these companies have not corrected the error.

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 2018-09-19 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: GA

Complaint narrative:
I disputed a 30 day late on XX/XX/2016 and XX/XX/2016. i disputed this error with XXXX, transunion , XXXX  and XXXX. these companies have not corrected the error.

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 2018-09-19 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: GA

Complaint narrative:
I disputed a 30 day late on XX/XX/2016 and XX/XX/2016. i disputed this error with XXXX, XXXX , equifax and XXXX. these companies have not corrected the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAC Financial Corp
State: NV

Complaint narrative:
Back in XX/XX/2015 I was out of town eight hours away from home for work in XXXX, Texas. During this 14 day hitch I happened upon a medical emergency. At the time I realized I did not have my insurance card available. I had mistakenly left my credentials at home. I was treated at the emergency room and then told to call back with my insurance information. Once my hitch was over and immediately after arriving back home I contacted the hospital 's department that handles bill pay. I then submitted my information and then NEVER heard back after following up a few weeks later. At the end of the following month I landed on hard times as I was laid off along with six others in my department due to the crash in the oil and gas market. It was then that I lost my ability to pay for my monthly health care costs. Sometime after this episode this bill was released to collections since I had no way of paying being without employment. This derogatory mark is now weighing heavily on my credit and prohibiting me from getting credit to build my credit report up to a more favorable score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
I have a loan with HOME POINT FINANCIAL C. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and HOME POINT FINANCIAL C with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXXr - XX/XX/XXXX / XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: TX

Complaint narrative:
I disputed the referenced accounts in XX/XX/XXXX. The Equifax credit report attached shows results that these items ( XXXX XXXX and XXXX XXXX ) were deleted from my credit file. Now I notice these items have been reinserted on my credit report. On XX/XX/XXXX I was notified that Equifax had placed XXXX Management and XXXX XXXX back onto my credit report. Back in XX/XX/XXXX I sent in an Identity Theft Report for which Equifax did receive. Equifax removed XXXX XXXX and XXXX XXXX from my Equifax credit report. I have included a copy of my Equifax Credit report from XX/XX/XXXX showing that both XXXX XXXX and XXXX XXXX had been deleted. 

I am demanding that both XXXX XXXX and XXXX XXXX be REMOVED AND BLOCKED from my credit file. Please see attached documentation I am also requesting that Merchants Credit Guide be removed and blocked from my credit file as well. I expect to have an updated Equifax showing the removal in 30 days per law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
In XX/XX/2018 my girlfriend and I moved across the country from XXXX to XXXX, XXXX so she could pursue her career with a new company that offered her a significant promotion. After this move my finances were drained from all the expenses involved. I had to use my stipend from the federal student loans I had acquired from the previous semester to cover these costs. This stipend had been budgeted for the cost of my car loan. Having no other option I had to use that money to cover those costs. While in my new city it took until late XX/XX/XXXX to find a decent paying job. During this excruciating process I then fell way behind on my car payments that I had diligently stayed on top of for over two years. The car was repossessed and had been taken THREE HOURS away to XXXX, CA. ( to make matters worse ). After about 45 days I was able to save enough money to reclaim my vehicle. This wound up costing me {$2000.00} that I had to scramble to save. Since this time I have been on time with all payments ( 5 months ) and I believe my positive track record of paying on time for over two years prior to the repossession should speak for itself. These 3 late payments are weighing very heavily on my credit report and hinders me from getting more favorable loan agreements.

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 2018-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XX/XX/2016-XXXX XXXX i was never served with papers on this debt for court and the debt has never been prove to me in acordence to FCRA and all three are listing this debt incorrect i want this full debt on all three removed asap i am a XXXX vet frighting with them for going on two years please help 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 non-monetary relief
Consumer complaint received 2018-09-19 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: MI

Complaint narrative:
XXXX XXXX XXXX I have No knowledge of the account information and its inaccurate.I contacted them by phone and the representative hung up on me, once i stated I have no knowledge of account or whatever it is. 

STATE OF MI XXXX XXXX XXXX ACCOUNT ISNT PAST DUE AND IS PAID IN FULL. I contacted them. 

I have inquiries that were made on an auto loan that I never acknowledged nor did i approve 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 2018-09-19 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I had purchase a vehicles back in XX/XX/2017 and I had know idea that all these hard Inquires will be on my XXXX report. I have wrote many letter asking XXXX to removed all of 11 hard inquires that were listed without me knowing it. When I request my credit reports thats when I saw all of these 11 hard Inquires that I requested XXXX to removed them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX XXXX i was never served with papers on this debt for court and the debt has never been prove to me in acordence to FCRA and all three are listing this debt incorrect i want this full debt on all three removed asap i am a XXXX vet frighting with them for going on two years please help 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 2018-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX XXXX i was never served with papers on this debt for court and the debt has never been prove to me in acordence to FCRA and all three are listing this debt incorrect i want this full debt on all three removed asap i am a XXXX vet frighting with them for going on two years please help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: MI

Complaint narrative:
XXXX XXXX XXXX I have No knowledge of the account information and its inaccurate.I contacted them by phone and the representative hung up on me, once i stated I have no knowledge of account or whatever it is. 

STATE OF MI XXXX XXXX XXXX ACCOUNT ISNT PAST DUE AND IS PAID IN FULL. I contacted them. 

I have inquiries that were made on an auto loan that I never acknowledged nor did i approve 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 2018-09-19 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:
XXXX XXXX XXXX I have No knowledge of the account information and its inaccurate.I contacted them by phone and the representative hung up on me, once i stated I have no knowledge of account or whatever it is. 

STATE OF MI XXXX XXXX XXXX ACCOUNT ISNT PAST DUE AND IS PAID IN FULL. I contacted them. 

I have inquiries that were made on an auto loan that I never acknowledged nor did i approve of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I requested the Note on the account I had been making payments on since 2012. A promissory note was sent to me by Nelnet with my name and personal information but the address is not mine. I think I have been a victim of identity thef and making payments on account that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
This company keeps harassing me. This company is claiming that I have multiple accounts with them. This is entirely inaccurate. Midland Funding is Im accurately reporting on my credit file. I have no knowledge of the accounts that they are reporting. 

The accounts listed as : Midland funding {$3200.00} Midland Funding LLC {$340.00} The accounts listed on my credit file are not my accounts. 

Midland Funding LLC are in violation of the FCRA. 

I did NOT give Midland Funding LLC any authorization to access or report on my credit file. 

Please have these accounts removed immediately. I have never been associated with these accounts. I have no knowledge about the accounts being reported. 

I have asked for verification, validation as well as my signatures on any documentation pertaining to the accounts listed negatively on my credit file, they have not responded after my many attempts of reaching out to them. 


Midland Funding LLC has threatened me with lawsuits and garnishing my wages but has mot provided me with any of the information I have asked for regarding these accounts. I work extremely hard for my money. It is unethical and unfair for Midland Funding LLC to hold me responsible for accounts that dont belong to me. 

I have no obligations or signed contracts with Midland Funding LLC. 

I look forward to having Midland Funding LLC remove all accounts that they are negatively reporting to be removed from my credit file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19 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: GA

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19 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: GA

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19 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: GA

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had a Wells Fargo secured card that I paid off on XX/XX/2018. I did this inside of a local branch where the bank representative stated that once my account closes the bank will not only remove it from my list of accounts that I have with them but I will be refunded {$1800.00} and the account will also be removed from all three of my credit reports. I recently checked my credit reports and I see that the account is still listed. I decided to call Wells Fargo card services and a customer service rep. states that I must have my secured card account number in order for Wells Fargo to remove it from my credit reports. I know longer have that and nor can I find that on the credit reports that I pulled from XXXX XXXX. I don't understand why they can not take a copy of my credit reports and my social security number to eradicate the account from all three of my credit report. 

Last four digits of my Social is # 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