vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-18 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: FL

Complaint narrative:
1. TransUnion shows my credit limited decreased with XXXX XXXX XXXX from XXXX to {$500.00} which is incorrect, credit limit is still {$2000.00}. This false information causing my score to decrease by 99 points.

2. TransUnion, XXXX and XXXX refuse to correct previous dispute regarding XXXX XXXX XXXX  they continue to show a balance with one account was paid in full and the other was discharged in previous bankruptcy and should show a XXXX balance. This is false information 3. XXXX XXXX  was settled and paid in full, Trans Union continues to show a balance owed on XXXX XXXX XXXX This is false information 4. Bankruptcy reporting, TranUnion, XXXX  and XXXX continue to report false information that they have not been able to verify, name and social security number does not match filing and social security administration.

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 2018-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Every few months, I get calls from debt collectors, MRC Receivables ( XXXX ) for a debt owed by XXXX XXXX ( I'm guessing the previous owner of my phone number ). This has been going on every few months for the past 6 years. Every time I inform them that she no longer owns my number ( XXXX ). This morning, XXXX   around XXXX  I received another robo-call from them stating they have a legal case against me ( not stating who the case was against ) and to call them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: MD

Complaint narrative:
JP Morgan is listed on my credit report. My loans have been consolidated with XXXX XXXX since XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
i am writing today in hopes that you can retract the 30 days late you have reported me at the end of my lease on XX/XX/2018. 
here is what happened i returned my viehcle to my dealer once i did that i had thought that there was no payment due so i didn't make any further payments. 
i dont think that i got any statements after i gave back my vehicle if you sent any because if i had received it it would have made my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES INC I continue to dispute the accuracy of the two debts you have in your office. In every complaint I have asked over and over that you please provide me with a copy of the contract with my signature on it that shows the legal obligation that I have to pay you Portfolio Recovery Associates INC the amount you say that I owe. Since XXXX XXXX  2017 you have been reporting derogatory information to all three credit reporting agency and even though these two account were in direct dispute rather then halting collection activity during the dispute process you continued to collect and report this information to the credit agencies with the direct attempt to damage my reputation and finances. I would like to point out the follow under the FDCP 809. ( b ) and 812 section ( a ) Based on validated information from all credit reporting agencies and copies of my reports along with the certified letters that were sent to you disputing this information you clearly continued to collect during the disputed process time frame by reporting and continue to report the invalidated derogatory information even though it's still disputed to this day. The only thing that you have provided is photo copies from another company, that is not even your own in a pdf format that can easily be modified or changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Hi this complaint is in reguards to Wells Fargo and there applicability to any freeze they would have ; Stoping me from being able to clai my unclaimed funds ... the imidiate issue is i have added due to me adding an O, to the end of my last name because i was informed by the worker at the original location of where i spent money provided store credit only and a card i could use at there store only ... ... ... .and then when the store which is the XXXX XXXX  ... further upgraded my store credit card to an offical credit card by XXXX, or XXXX   XXXX without my consent and i am without ability to claim the item ... 
All i did as i stated was added an o to the end of my last name ..my social security is tied to the account for Escheatment of all things and i still cant get any answers with ... from there as well as providing a false address due to thats only a trivial gifting card for merchant profit pertaining to that store only ... the reporter is stated Wells Fargo when XXXX is the origial repoter there for the issue is to be handled with them as well by them i need help please ... Exspidite i have a copy of my new just purchased copy of birth certificate ... .. and documentation proof of my statements i will provde. I also have a XXXX Set aside trust that Wells Fargo has a freeze on aswell but just noteing to provide awareness

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 2018-04-18 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: MD

Complaint narrative:
XXXX XXXX is listed on my credit report. My loans have been consolidated with XXXX XXXX since XX/XX/2014.

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 2018-04-18 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXXs listed on my credit report. My loans have been consolidated with XXXX XXXX since XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: MD

Complaint narrative:
XXXX XXXX is listed on my credit report. My loans have been consolidated with XXXX XXXX since XX/XX/2014.

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 2018-04-18 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: OpenRoad Lending
State: AR

Complaint narrative:
I woke up the morning of XX/XX/2016 to an alert sent to my email for a decrease in credit score. I sent off for my report to access for any changes in activity and I notice that open road lending had accessed my report without my consent. I contacted the company directly to attempt to remove the inquiry and was told it would be removed. I never gave them permission to access my credit. Recently, after applying for a home mortgage I notice that this inquiry is still reporting negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
MY HUSBAND HAS A CAPITAL ONE CREDIT CARD WHICH TO MY KNOWLEDGE I WAS NOT AN AUTHORIZED USER, NOR DID I WANT TO BE AN AUTHORIZED USER. I AM NOT A CO-SIGNER NOR DID I EVER GUARANTEE PAYMENT ON HIS CREDIT CARD ACCOUNT I HAVE MY OWN CREDIT CARDS WHICH I USE CAREFULLY, TO ASSURE THAT I AM ABLE TO PAY IN FULL THE MONTHLY STATEMENTS. I FREQUENTLY MONITOR MY CREDIT SCORE FOR THE PURPOSE OF INCREASING MY CREDIT STANDING. 

IN CHECKING MY SCORE I DISCOVERED A SIGNIFICANT REDUCTION. 

THE REASON? 
MY HUSBAND HAS A CAPITAL ONE CARD WHICH IS DELINQUENT AND BECAUSE OF THIS CAPITAL REPORTED ME DELINQUENT. I CALLED CAPITAL ONE AND SPOKE TO AN AGENT AND TO A SUPERVISOR AND WAS TOLD THAT I HAD ABSOLUTELY NO RESPONSIBILITY IN REGARDS TO MY HUSBANDS ACCOUNT. CAPITAL ONE ALSO OFFERED NO EXPLANATION WHY THEY REPORTED ME DELINQUENT. PLEASE HELP ME TO RESTORE MY GOOD STANDING WITH THE CREDIT COMPANIES

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
After checking my credit report on XX/XX/XXXXI noticed that there was an open collection with XXXX XXXX  reporting that was opened XX/XX/XXXX. I've never had any communication with this company and there was never any communication notices made to me from this company to notify me that they were attempting to collect money from me. They have violated my consumer rights under the Fair Credit Reporting Act for withholding notices. I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under the FCRA occur when a creditor fails to notify you when it supplies negative credit information to a Credit Reporting Agency. A creditor fails to notify you of your right to dispute inaccurate credit information. They've also are in violation due to prohibition of trying to collect on a debt that has resulted from identity theft. I would like to file a complaint to have this reporting deleted from my credit report and I would like to have this company blocked from future reporting of this account. This company has performed unethical business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I was trying to transfer XXXX  American Express membership rewards points to XXXX account on XX/XX/2018 but it wouldn't allow me to complete the transfer, indicating " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XX/XX/2018 Noticed this debt on my credit report XX/XX/2018 Called XXXX XXXX XXXX at XXXX and talked to " XXXX '' where I gave her my phone number, address and date of birth. She pulled up the debt, stated that it was from XXXX XXXX and informed me that the call was being recorded. Great! Since the amount was under 100.00 I asked that the debt could be settled for a 1/3 of the amount and removed from my credit report and written notification of such be mailed to me. Payment today to be done with the debt. She informed me that she was unable to negotiate. I asked to speak to her supervisor. A " XXXX XXXX '' came on the line. I informed him of my desire to settle the debt, and have it REMOVED from my credit report. I will settle for 1/3rd or 2/3rds of the amount owed and again have WRITTEN notification sent to me about the transaction. XXXX XXXX informed me that they do not send written notification, that I must pay the amount owed immediately or I will be charged more. I asked for a his supervisor, whom he says does not take phone calls. I mention to him that I was familiar with the Fair Debt Practices Law and you can't not MAIL me information about my debt, nor can the company increase my charges because I initiated a phone call. He was unwilling to change his statements. I asked for a transcript of our conversation and again was denied.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
A car loan with santander consumer that was closed 8 years ago says i had two late payments but they wouldn't tell me when or provide proof. they said i have to contact credit bureau to get XXXX fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
Upon reviewing my credit reports, I noticed an entry from AFNI collection agency, stating it was for the original creditor XXXX XXXX XXXX, in the amount of {$150.00}. I never received any correspondence from this company, and I do not owe any money to them, or the stated original creditor, XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and was told they did not see any information on this matter. I then sent several letters to this company, AFNI, to the address listed on my credit reports, but have not received any reply from them at all. They have not even sent me any information about this alleged debt, yet they put it on my credit reports. This false information needs to be removed from my credit reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
Good Day.

My name is XXXX XXXX XXXX Late last year my loan with Loancare ( # XXXX  ) was overcharged for taxes but I was able to contact my county auditor 's office to have the payment sent back to loancare. Around XX/XX/XXXX I received an email from loancare that an escrow review had been done and my mortgage was going to go from {$550.00} to {$820.00} because they had to pay out extra for taxes. I called loancare on XX/XX/XXXXand was informed that all I had to do was to go to the auditors office and get the paperwork stating that I had a XXXX balance for my taxes and once they received it they would send a message to have a subsequent analysis done. I got the paperwork submitted to them on theXX/XX/XXXX and called back to make sure they received it, they did receive it and told me to call back in 5 days and it would be corrected.

After 7 days I called back and it still hadn't been corrected and was told to give them another 5 days, which I didn't agree with but there wasn't anything I could do so I agreed. I then called back on the XX/XX/XXXX because it still wasn't done and my mortgage is due on the XXXX of each month. I was told it still wasn't complete and I had to wait, I didn't accept it this time and asked to speak to a supervisor. I was able to speak to a XXXX XXXX  ( XXXX   ) XXXX who informed me that she was going to personally send an email to the escrow department and not to pay my mortgage and she would make sure that it would be complete by the XX/XX/XXXXand as such she take any late charges that occur off. She also told me that it would be finished by the XXXX. I called back on the XXXX to her direct number and left a message, I didn't get a response. I have been calling everyday since then and still haven't received a response.

I just called again this morning, XX/XX/XXXX and now I am being told that they are waiting to update a tax line. I keep getting the run around and I am so frustrated. They also have a direct number, which is ( XXXX   ) XXXX and my loan # is XXXX, again, my name is 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 2018-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC

Complaint narrative:
XX/XX/2018 XXXX XXXX Man from HSBC named XXXX XXXX claimed I had and account with HSBC and was threatening litigation for breach of contract, fraud, falsifying legal documents if I did not pay the amount in full. The man had my personal information and SSN. He would not give any information about the account stating that I know I used the credit card and I better pay it. He stated that they had income tax information and employer verification to prove I opened the account. 
He began to get rude and nasty and threaten to sue and to make me pay. 
Because he would not give any validating information as to what state and account information, I feel this person was lying. 
The phone number given is XXXX. They claim to be a litigation group collecting on behalf of HSBC. 

I have had multiple entities contacting me trying to get me to pay some erroneous debt. I have had several identity theft situations which makes me believe this could be part of it or a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
On XX/XX/XXXX I received a letter requesting payment for {$690.00} for a credit card. When I called that day or a week later they told me I owed a little more than that and to pay XXXX which I did. After that they said I owed an additional XXXX. I replied that I called and obtained the total to pay off and paid what they told me. Now the additional has turned into XXXX with all the fees for the past 10 years. And now out of the blue they are garnishing my paycheck for it. I wish to request a motion to vacate as there is no way I owe this much. I had nothing indicating that I owed this until yesterdayXX/XX/XXXX when I received a letter from payroll.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cascade Capital, LLC
State: TN

Complaint narrative:
I sent a debt validation to the creditor XXXX XXXX XXXX to validate the debt they are saying I owe. After 30 days I contacted the creditor and they informed me that my debt was sold to another company called Cascade Capital LLC. I contacted this company via telephone to ask them there license and bonding number to be able to collect a debt in my state. The representative did not know what I was talking about and put me on hold and hung up the phone after being on hold for over 10mins. This company is not license and bonded and by law are not able to collect a debt in my state. I am asking you to permanently remove this information from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Got a pre recorded message from Transworld Systems Inc on the XX/XX/XXXX. This is not the first time they have called. I called number back and was told i do not have a file with them. I have asked them numerous times to put me on their do not call list to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I paid my account every month using my banks on line system. Every month i got notice that they received my payment but one month we got notice 30 days later that they never received my payment and they were going to report it as a 30 day late account. I have tried to work with them to get it removed since it was not my fault but they refuse to.

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