vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
This information XXXX XXXX XXXX XXXX  is reporting on my credit file is not my bill or account this has been on my credit report for over 5 years and Id affecting my credit inaccurate information this company or hospital is 4hours away from my home I dont know how they got my information by law this not right to report on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: NV

Complaint narrative:
Please remove the charge off status on the accounts listed here.. THe accounts were never a charge off, I paid them on time and were satisfied as agreed. I disputed the accounts with Equifax but they did not help me..This is a clear violation of the FCRA and I have an attorney in place ready to move forward with legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have never been here to this hospital and this is not my bill or debt inaccurate information on my credit report by law debt company can not report false information on my credit report they have reported two bills on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ewing & Ewing Attorneys, P.C.
State: AZ

Complaint narrative:
I have been dealing with XXXX XXXX XXXX and their representatives, Ewing & Ewing for over 7 years on a debt they purchased for pennies on the dollar. InXX/XX/XXXX, I made an offer to settle debts, after them having collected sums over the years, for a sum of {$5000.00} which was an amount I was barely able to gather. They refused the sum and countered at {$30000.00}, not entertaining any other viable and reasonable negotiations. Their representative from Ewing & Ewing proceeded and placed a garnishment on my wages which grosses me, on average, less than the take home of a person on minimum wage. I asked again, in writing, that they end garnishment on XX/XX/XXXX, as they have collected over {$26000.00} from me toward the debt and I felt this was a fair and reasonable resolution. The only response was a " Thank You '' for my email and I'm on the edge of my finances going past 30 days, barely enough for food and on the brink of bankruptcy. All I ask is for them to consider and resolve the matter as outlined a year ago. They have no inventive and continue to steal money from my family as I work hard to make it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Within the past year, I moved out of an apartment complex that tried to charge me fradulent fees, in the amount of {$290.00}, for painting the apartment. The complex is the XXXX XXXX XXXX, in XXXX, OR. They claimed that the painting was due to black smoot on the walls due to smoke. I contacted the complex to inform them that I never caused any smoke in the apartment, and that I was not responsible for the painiting fee. They tried to extort money from me by threatening me to pay, or they would send me to collections. I refused to pay, since the damages they are claiming, were not caused by me. They did report me me to National Credit Systems who are now trying to collect the fradulent charge, and also are negatively affecting my credit. I charged XXXX, XXXX, and the collections agency with providing proof that I caused smoke in the apartment, whether it be from video or pictures of me producing smoke in the apartment, or a 911 call saying that the authorities were contacted on a specific date, due to me causing a fire or smoke in the apartment. No proof has been provided, and the credit agencies won't fight on my behalf for them to provide proof that I caused any smoke damage to the apartment. I can also provide proof that there were wildfires in the area, during the time that I lived there and if there is even the remote possibility that there was smoot on the walls, it was probably due to the wildfires, which is not my fault nor should I be liable for it. I have no other simple way to say this, other than to say that the apartment complex is trying to extort money from me, with no proof that I caused the damages that they claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: NV

Complaint narrative:
Please remove all the collection accounts listed here.. The accounts listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft I disputed the accounts with Equifax but they did not help me..They never gave me any evidence proving the account as mine..CFPB please do something about this and remove the accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  ( ORIGINAL CREDITOR XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have filed a dispute with Equifax Inc concerning fraud on my credit report and incorrect personal information. Equifax staff members refuse to remove the inaccurate personal information after i have called/sent letters. I believe that Equifax Inc is more interested in reporting inaccurate personal information than helping the consumer by deleting the inaccuracies. My correct and mailing address is XXXX XXXX XXXX XXXX XXXX Mo XXXX and my only social security number DOES NOT end in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: NY

Complaint narrative:
Between XX/XX/2018 and XX/XX/2018 XXXX retail was added to my account and it was closed due to inactivity. I have never opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: NV

Complaint narrative:
Please remove the collection account XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX   ). The account which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft I disputed the account with Transunion but they did not help me..They never gave me any evidence proving the account as mine..CFPB please do something about this and remove the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I applied for a checking account with XXXX today,XX/XX/2018. I was denied stating " Prior unfavorable experience with a financial institution. Current unfavorable experience with a financial institution. '' I contacted Early Warning to contest and dispute the incorrect information being reported that resulted in me being denied. However, as of today, Early Warning has not removed the account from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have a credit card that is open with you all. While I initially thought you all were a good fit, yall have been nothing more than a headache for me and my family. First when making my second payment, discover had it marked on their site that I wanted the full payment made. This put me in a tight spot and roo all of my funds out of my account and sent me into overdraft. I was livid and called and spoke to 2 supervisors, none of them helpful at all in fact they told me maybe qe could go qithout groceries or not leave the house so we were not using gas. I had just found out I was pregnant and lost my job all in the same day. I was really reassured I would have better service seeing my husband has had great experiences. Unfortunately, I had to call my bank and cancel the payment, which made it seem like I was late. I called Monday and made my payment but they persisted I pay XXXX. I said no, finally the rep said we will help you with this and dont worry. So the next month it still shows I have a late fee then this month I got an email saying I was late again. After speaking to a rep at the end of XX/XX/XXXX who again assured me no your payment will only be the XXXX and change payment. But no, I got a passed due bill last night. You guys are fraud and phoneys!! Im taking this to XXXX as well as my local TV station and will blast yall anywhere else. No-one gets back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
I HAVE NEVER OPENED AN ACCOUNT WITH XXXX XXXX. LET ALONE OWE THEM " {$190.00}. " ( TRIDENT ) IS MAKING MY LIFE UNBELIEVABLE ... I CAN HONESTLY SAY WITH CERTAINTY AND TRUTHFULNESS THIS XXXX WHOMEVER THEY ARE ... THIS IT'S NOT MY ACCOUNT PLEASE CORRECT YOUR  ERROR AND LEAVE ME ALONE ... ENOUGH!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: AZ

Complaint narrative:
I have been dealing with Calvary Portfolio Services and their representatives, XXXX XXXX XXXX for over 7 years on a debt they purchased for pennies on the dollar. In XX/XX/XXXX, I made an offer to settle debts, after them having collected sums over the years, for a sum of {$5000.00} which was an amount I was barely able to gather. They refused the sum and countered at {$30000.00}, not entertaining any other viable and reasonable negotiations. Their representative from XXXX XXXX XXXX proceeded and placed a garnishment on my wages which grosses me, on average, less than the take home of a person on minimum wage. I asked again, in writing, that they end garnishment on XX/XX/XXXX as they have collected over {$26000.00} from me toward the debt and I felt this was a fair and reasonable resolution. The only response was a " Thank You '' for my email and I'm on the edge of my finances going past 30 days, barely enough for food and on the brink of bankruptcy. All I ask is for them to consider and resolve the matter as outlined a year ago. They have no inventive and continue to steal money from my family as I work hard to make it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: FM

Complaint narrative:
I applied for a checking account with XXXX today, XX/XX/2018. I was denied stating " Prior unfavorable experience with a financial institution. Current unfavorable experience with a financial institution. '' I contacted Early Warning to contest and dispute the incorrect information being reported that resulted in me being denied. However, as of today, Early Warning has not removed the account from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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 — Problem with personal statement of dispute
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
My property was foreclosed and filed onXX/XX/XXXX by XXXX XXXX XXXX XXXX  c/o Ocwen Loan Servicing, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. The filing was in the state of Wisconsin , county of XXXX XXXX XXXX. The property was sold on auction on XX/XX/XXXX. Ocwen sent me a tax form XXXX for Debt cancellation of {$7100.00} in which I paid taxes on for XX/XX/XXXX filings based on fair market value of {$56000.00}. I recently observed my credit report for XXXX and noticed Ocwen was listed as open and a debt of {$5400.00} with last payment reported XX/XX/XXXX. I filed a dispute and was given the report that Ocwen stated it was legitimate and then they reported I had two late payments for XX/XX/XXXX betweenXX/XX/XXXX, which dropped my credit score 14 points. They also reported me 120 days late. My XXXX report states the same account and same amount, {$5400.00} with Ocwen as Closed and Charged off as bad debt, Profit and Loss write-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: CT

Complaint narrative:
On approximately XX/XX/18 both my checking account and savings account at Discover Bank, were closed and the money was " frozen ''. The checking account had no funds in it, and was a joint account with my mother, XXXX XXXX, The savings account was in my name only, and ends in XXXX. I was told that they suspected some kind of fraud on the account and that they would be doing an investigation. They could not tell me when I would be getting my money back. There was approximately {$4300.00} in the savings account. My mother, XXXX XXXX spoke with : " XXXX '' in the Fraud Department at Discover Bank, and " XXXX '' an " investigator at the corporate office in Delaware. XXXX said that she would be conducting an investigation. She told me to send her information about where the money came from. I send her a document that showed that XXXX had transferred money into the savings account since XX/XX/2018, on a regular basis, and I sent her a letter from the Social Security Administration showing that I had received Social Security XXXX Payments into those accounts at Discover, for nearly a year. My understanding is that social security payments are not allowed to be frozen, except by the federal government.Despite telling " XXXX '' this, no movement was made to release any of the {$4300.00}. I was told that I would hear from her within 30 days, as to the disposition of the {$4300.00}. I have not heard from her as of yet, nor have I heard from anyone else at Discover Bank. I need this money in order to pay for my college tuition. I am attending XXXX CT State University presently. I am a freshman, and need this money in order to continue attending the University. I just want my money back, all {$4300.00} of it, immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Delta Outsource Group, Inc.
State: VA

Complaint narrative:
Delta outsource group contacted me on Friday XX/XX/XXXX in reference to a debt that was sent to them to collect on. I attempted to inform the representative that I had no knowledge of debt and that I would like more information mailed to me. The representative said she wouldnt send any information unless I provided her my information that she would need in order to try and use it to claim I owed this debt I knew nothing about. 

I notified the company in writing of my requests that they provide documentation of this debt. I have received more phone calls every day since XXXX XXXX and nothing in writing. The agent today XX/XX/XXXX called and I explained u have not been provided any documents that suggest I owe a loan and she acknowledged that my request for these documents was received. The agent then started to get angry and hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are tied to my name but I have nothing to do with this.

XXXX XXXX XXXX   CARDXX/XX/XXXX {$5300.00} XXXXXX/XX/XXXX {$620.00} XXXX XXXX XXXX XX/XX/XXXX {$24000.00} XXXX XXXX XXXX XXXX   XX/XX/XXXX {$18000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are tied to my name but I have nothing to do with this. 
XXXX XXXX XXXX CARD XX/XX/XXXX {$5300.00} XXXX XX/XX/XXXX {$620.00} XXXX XXXX XXXX XX/XX/XXXX {$24000.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$18000.00} XXXX XXXX XXXX   XXXX XX/XX/XXXX {$20000.00}

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 2018-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Atlantic Credit & Finance, Inc.
State: TN

Complaint narrative:
I was contacted by Atlantic Credit & Finance on today XX/XX/XXXX. The call was humiliating and harassing because the person I spoke with forced/coerced me to tell why I couldn't make the payment. He consistently asked about my personal life regarding why I couldn't make payments. I told him that I did not want to continue the conversation about my personal issues. I wanted to talk about rectifying the payment. He said he couldn't help me until I tell him the reason why I stop paying on the card. This went on for about 30 minutes. He put me on hold and then his manager got on the phone and said the exact same thing to me. I practically begged both of them to end the conversation because I was in tears. Both of them continue with no concern. I stayed on the phone with them for almost an hour and still no payment arrangement was made when the call ended. I felt ashamed that I had to disclose this information. The amount of the debt balance is {$1800.00}. I received communication via XXXX XXXX  as well. The letter disclosed that I could mail payments. The rep told me that I could not mail the payment in unless I send them {$900.00}. The letter also states that I could make biweekly payments as low as {$25.00}. I was not offered this amount as an arrangement.

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 2018-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX I have disputed account which Transunion reported as late payment. I asked them to send me some kind of information as to why they say the account is verified, true and correct. But they failed to give me. The error has affected my credit score.CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-12 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: IL

Complaint narrative:
I am serious about the applicability and reliability in the recent study along with the balance and missed payments pertaining to CAPITALONE accounts and exactly how they are reporting on my credit report. With Section 1681 ( g ) I recommend them to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but until now no information received. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX  contacted me on Friday XX/XX/XXXX in reference to a debt that was sent to them to collect on. I attempted to inform the representative that I had no knowledge of debt and that I would like more information mailed to me. The representative said she wouldnt send any information unless I provided her my information that she would need in order to try and use it to claim I owed this debt I knew nothing about. 

I notified the company in writing of my requests that they provide documentation of this debt. I have received more phone calls every day since XXXX XXXX and nothing in writing. The agent today XX/XX/XXXX called and I explained u have not been provided any documents that suggest I owe a loan and she acknowledged that my request for these documents was received. The agent then started to get angry and hung up on me

Company response to consumer: Closed with explanation