vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: AZ

Complaint narrative:
I got a letter in the mail from a Harvard Collections claiming that I owe a company that I have never heard of nor received a letter from. The debt was from 2016 which is past the statue of reporting or even attempting to collect a debt. There was no information associated with the letter I received in the mail. This company has also started calling me after I advised to cease and desist and to not contact me as they would not release any information and requested to personal information from me but would not advise who they were or why they were contacting me. After the cease and desist was advised this company has called me several additional times. All within the past month. In the state of AZ any attempt to collect any debt after 180 days of the original collection company is against the statue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a loan with CAPITALONE. 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 CAPITALONE 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/XXXX / XXXX - XX/XX/XXXX / XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: CA

Complaint narrative:
who is XXXX? I am formally requesting validation of this debt, owed to this organization otherwise I am requesting removal for this posting from all impacted credit Bureaus.

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 2018-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: AZ

Complaint narrative:
I received a letter from Associated Credit Services Inc about a bill that I have never received from XXXX XXXX XXXX XXXX. There is not date of when this had happened on the letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
Who is XXXX XXXX? XXXX  reported that between XX/XX/2018 and XX/XX/2018, a new account in collections was added to your report. The collection agency is DIVERSIFIED. The original creditor was XXXX XXXX XXXX.New Account in Collections When you've fallen behind on payments and your debt is sent to a collections agency, you can end up with a Derogatory Mark on your credit report. 


I am requesting validation of the above debt formerly held by XXXX XXXX  or removal from all impacted credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
WORLD OMNI Fhas an account on my credit report with XXXX  and XXXX  that is not mine. 
opened on XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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: ID

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
On XX/XX/2018 I made a purchase for {$75.00}. On XX/XX/2018 I made a purchase of {$160.00} " No Interest if paid in full in 6 months ''. My account had been setup with autopay for the minimum balance. I did not realize the minimum balance would not cover my purchase for {$75.00}. On XX/XX/XXXX I incurred a {$2.00} minimum interest charge. I contacted XXXX customer service who refused to wave the {$2.00} interest as a courtesy.

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 2018-11-29 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: ID

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-11-29 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: ID

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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:
XXXX, XXXX  AND TRANSUNION ARE posting unauthorized inquires to my credit report : XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/ XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX/XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX/XX/XX/XXXX/ XX/XX/XXXX/ XXXX/XXXX  XX/XX/XXXX/ XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX THE FOLLOWING ADDRESS IS NOT MINE I NEVER LIVED HERE : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX THE FOLLOWING ACCOUNTS ARE NOT MINE : XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX   ACCOUNT # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX/XXXX # XXXX XXXX XXXX/XXXX  # XXXX XXXX XXXX XXXX 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 2018-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
As an offer for the Equifax data breach, I entered into an agreement where Equifax would sign me up for their credit monitoring services free of charge. From the very beginning, I had many problems with the service and wasn't able to access the services that were promised. I called in and after sitting on hold for hours, I was able to get a ticket filed with their IT and it was supposed to be resolved 5 days later. After a few weeks passed, I still wasn't able to log in to view my protection services product, so I called again. This time I was told that I needed to wait 10 days and that it would be fixed. About 12-14 days later it started to work again, but that was short lived. Very quickly after that problem was resolved, it appeared once again. Again, I spent hours on the phone with customer service and they were supposed to escalate the ticket and a manager was supposed to call me back. Neither has happened to date and I still haven't been able to log in to see my credit protection product. Equifax allowed my personal data to be breached, entered into a settlement agreement with me for me to review my reports for year and that product has failed more than it has worked and I am unable to obtain resolution. I would like a settlement for my data being exposed and for Equifax breaching their contract with the settlement that they offered, which was to grant access to this credit bureau service that hasn't worked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was having trouble with my loan payments so I decided to file a loan modification. During this process I was informed that I wouldnt be responsible for being reported late to the credit bureaus. Well after the process was done they still decided to report me 90 days late on my credit report. I am not trying to get this loan paid off and get a new home and I am unable to because this loan is showing late.

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 2018-11-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In XX/XX/2018 and XX/XX/2018 I send a dispute into all 3 credit bureaus asking how did they validate the collection items ( XXXX XXXX, XXXX, and XXXX XXXX ) on my report after following up with their results of the investigation of my dispute, as required by the FCRA 611. I still have not received this validation or verification from all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In XX/XX/2018 and XX/XX/2018 I send a dispute into all 3 credit bureaus asking how did they validate the collection items ( XXXX XXXX, XXXX, and XXXX XXXX ) on my report after following up with their results of the investigation of my dispute, as required by the FCRA 611. I still have not received this validation or verification from all 3 credit bureaus.

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 2018-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: MN

Complaint narrative:
I bought 2 XXXX Gift cards ( serviced by U.S. Bancorp ) in XX/XX/2018. But when I tried to use them in XXXX, I found that both of them were registered by someone else online, and the funds were already transferred to its XXXX account, leaving almost nothing on my gift cards although I still have both of them. I called the card service number on the back of the card on XX/XX/XXXX, and the agent gave me a fax number to send them the receipts, front/back of the cards, and my id. I also wrote my name, address, email, and phone number on the fax sheet together with those requested information so that they could contact me if they had any solution. But after 2 weeks of waiting, nothing happened. I called again on XX/XX/XXXX, and the agent told me they never got the fax and confirmed with me the fax number I got was correct. So I faxed again on XX/XX/XXXX. After a week, I called again, and the agent said they still did not receive the fax. I faxed for the 3rd time on XX/XX/XXXX. On XX/XX/XXXX, I called and they still did not receive the fax. The agent said the department which is in charge of this do not have any phone number to call. The only thing I could do is keep faxing and calling and getting to know that they never received the fax. They are not doing the job at all. When asked, the agent also said they could not provide any time frame regarding how and when they would solve the issue.

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 2018-11-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelson Cruz & Associates LLC
State: TN

Complaint narrative:
In XX/XX/2012, due to rough life circumstances, I had a van repossessed. In XX/XX/2017, a collection agency by the name of Nelson, Cruz, and associates contacted me about a debt that was turned over to them by XXXX XXXX XXXX for said van. XXXX XXXX XXXX ( who conveniently no longer works for Nelson, Cruz and associates ) offered me a settlement to get this debt paid and cleared off my credit and I have the settlement letter I was sent. I agreed to the offer and began to make the monthly payment we agreed upon. After about XXXX to XXXX of making on time payments, XXXX XXXX called me back and said if I would just pay XXXX lump sum payments totaling {$1000.00}, they would consider my debt paid in full. I sacrificed to make those payments but I did, and I also have the letter that states I made my payments in full, on time, and that there is now a zero balance on behalf of XXXX. However, I've been calling XXXX to find out why they're still reporting me to the credit bureau and they are now ( over a year later and my offered settlement was paid ) XXXX XXXX and XXXX XXXX, directors with XXXX, are trying to tell me that they never approved the settlement amount that Nelson Cruz, the collection company they hired, offered me and they refuse to honor it and demanding I pay them an additional amount of over {$4300.00} for them to just remove this from my credit!! I need help, please.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Citigroup Inc. offers a {$400.00} promotion if you deposit {$15000.00} into a new checking account. I completed this action online back in XX/XX/2018. Per their promotional material, I maintained the {$15000.00} balance for 60 days ( completed by XX/XX/2018 ). The language in the promotion is misleading and seems to suggest that you will receive your {$400.00} deposit after the 60 days. Unfortunately, there is a completely separate sentence that states that the bonus will be credited within 90 days after the conditions of the promo have been met. Essentially, this means you are tying up {$15000.00} for 5 months before you will receive your {$400.00}. The frustrating part is that I have now contacted their customer service over 8 times ( saving the transcripts each time ) and they have yet to deposit the {$400.00}, even though I am well past 150 days of maintaining {$15000.00} in this new checking account. They say their promotions department is backed up. I told them that after 6 months, other investment options may have delivered a better return. They do not seem to care to solve the issue and I will likely withdraw my cash and close the account due to what I consider to be false advertising. I followed the promotional requirements to the letter, so there is no reason for them to withhold the {$400.00} at this point. Other banks with similar promotions have paid promptly in my experience ; it's a shame that Citi does not perform similar to other banks.

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 2018-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is charging me for home insurance after I have uploaded and faxed proof and spoke with them on the phone. 
I have been dealing with them for over 3 months and they continue the FRAUDULENT behavior.

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 2018-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: DC

Complaint narrative:
There was inquires from Onemain on XX/XX/2018 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
There was inquires from Chase Card on XX/XX/2018 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
There was 3 inquires from Cap One NA on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverwalk Financial Corporation
State: TN

Complaint narrative:
In XXXX, due to rough life circumstances, I had a van repossessed. In XXXX, a collection agency by the name of XXXX, XXXXXXXX XXXX XXXX contacted me about a debt that was turned over to them by XXXX XXXX XXXX for said van. Mr XXXX XXXX ( who conveniently no longer works for XXXX, XXXXXXXX XXXX XXXX ) offered me a settlement to get this debt paid and cleared off my credit and I have the settlement letter I was sent. I agreed to the offer and began to make the monthly payment we agreed upon. After about 6 to 8 of  making on time payments, Mr XXXX called me back and said if I would just pay 4 lump sum payments totaling {$1000.00}, they would consider my debt paid in full. I sacrificed to make those payments but I did, and I also have the letter that states I made my payments in full, on time, and that there is now a XXXX balance on behalf of XXXX. However, I've been calling XXXX to find out why they're still reporting me to the credit bureau and they are now ( over a year later and my offered settlement was paid ) Mr XXXX and Ms XXXX, directors with XXXX, are trying to tell me that they never approved the settlement amount that XXXX XXXX, the collection company they hired, offered me and they refuse to honor it and demanding I pay them an additional amount of over {$4300.00} for them to just remove this from my credit!! I need help, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I attempted to freeze my credit online at Experian 's official website. I fully completed the form and submitted. I was then presented with the following message : " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' There was no further explanation. I tried again. No luck. 

I had no issues freezing my credit online with XXXX  and XXXX. I don't know why Experian failed. I tried to call their customer service number, but an automated message told me to mail in my information/documents for a freeze. 

I do not want to go through the physical mail option.

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