vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: NM

Complaint narrative:
We had a payment due on the XX/XX/XXXX. we are always late and understand that, however, the calls started on XX/XX/XXXX, and it is now XX/XX/XXXX. my wife and i both have received almost 80 calls put together in that short time period. on average, that equates to a call just about every hour 10 times a day. we are not trying to dodge the debt, and the amount of these calls is absolutely unnecessary. example, on XX/XX/XXXX there were six calls to my wife 's phone between XXXX XXXX and XXXX XXXX. total number of calls that day alone was 15.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
There is an automobile account that was opened due to identity theft. The account is being reported by XXXX only and no other credit bureau is reporting this account. The account is with Mercedes Benz ( XXXX ) for the amount of {$6000.00}. I filed a police report for this item and I am not responsible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLTECH INC
State: MN

Complaint narrative:
Company contacted me and provided no information about the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have utilized XXXX XXXX for over one year and in that time have had numerous hard inquiries put on my credit by an unknown person using an old address of mine. I 've contacted each credit reporting agency, the sheriff Dept, and the ftc and " no one can do anything about it ''. The credit inquiries continue despite multiple fraud alerts placed on my credit and the companies refuse to remove the inquiries despite my insistence that my credit is being fraudulently used. 
I will soon be obtaining legal counsel for this issue if it can not be remedied. Thank you for your assistance in this matter.

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 2017-11-25 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have utilized XXXX XXXX for over one year and in that time have had numerous hard inquiries put on my credit by an unknown person using an old address of mine. I 've contacted each credit reporting agency, the sheriff Dept, and the ftc and " no one can do anything about it ''. The credit inquiries continue despite multiple fraud alerts placed on my credit and the companies refuse to remove the inquiries despite my insistence that my credit is being fraudulently used. 
I will soon be obtaining legal counsel for this issue if it can not be remedied. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: OH

Complaint narrative:
THEY SENT ME TO A DEBT COLLECTOR CALLED NELNET. XXXX HAS THREATENED ME MY LIFE. AND SAID THEY WILL MAKE ME HOMELESS. THEY HAVE CAUSED ME MENTAL DISTRESS ON TOP OF MY PROBLEMS AND MARK MY WORDS IF NELNET DOES NOT LEAVE MY WAY OF LIFE ALONE I WILL XXXX THEM BEFOR THE END OF XX/XX/XXXX AND THAT 'S A PROMMISE CAUSE THEY XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mid-Minnesota Management Services, Inc.
State: MN

Complaint narrative:
Company ignored phone request and written request to verify debt yet continues debt collection. I understand that this company must be a poorly run collections agency that is trying to get by, but unfortunately for them they purchased debt that I do n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 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: NY

Complaint narrative:
no contract with this company! I do n't not owe them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting negative information from XXXX XXXX XXXX under my name and social security number. I never opened the account they are reporting. This account was opened due to identity theft. I submit a police report to them reporting identity theft and based on my consumer rights with the Federal Trade Commission " if a police report is filed based on identity theft the item is supposed to be removed immediately ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had a checking business account with Capital One. On XX/XX/XXXX i tried to make a transaction at a XXXX and the transaction was declined. After several attempts i called the bank and was informed that my account was closed and also my relationship with the bank was ended. The bank was not able to provide me with any information about the reasons behind the closing of the account, yet the still had over {$10000.00} dollars in their custody from my account. I was told to visit a branch but it was too late so all the branches where closed and i had to go the next day. On the XX/XX/XXXX i visited the branch where after a few hours of constant struggle they released my funds but no explanation was provided as the why my account was closed. 
The bank stated that they can close my account for any suspicious activity, or activity that would warrant them the consideration of closing my account, or for no reason at all. 
I mentioned to them that it was not fair that my account was closed since all i own is a tech start-up that works with artificial intelligence and there was really nothing but routine business being conducted on the account. 
After several hours the bank agent said he had done all he can to identify what happened or the reason behind the severed relationship but yielded no results, and that he will get back to me since the fraud department told him it was not a fraud issue. He was told to write an email and they would mail me a check with my funds. I insisted they release my funds which they did and gave them to me in cash. He also gave me a number to call and follow up. I called the number and it was the same thing after over 30 minutes on the phone with them they could n't explain why it happened. I asked them to provide a reason at their earliest convenience since it would look back for my business. During my conversation with the teller on XX/XX/XXXX we where able to identify that someone had access to my account and attempted a transaction at XXXX XXXX. They also failed to give me any information on this in person, or over the phone. So i took the transaction records and i will be reviewing them and going back to them when and if i identify any additional activity or transactions. 
Today is Saturday XX/XX/XXXX and i have yet to receive a call from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent Equifax Credit Bureau a handwritten letter to dispute two bankruptcies shown on my credit Case # XXXX and Case # XXXX. I sent this letter certified ( USPS Tracking # XXXX ) which it was received on XX/XX/XXXX. In this letter I requested Equifax to submit verifiable proof since these are unverified bankruptcies. Equifax sent me a response dated XX/XX/XXXX ( copy is attached ). Per their investigation, the information is reported correctly and currently reporting as discharge. On XX/XX/XXXX, I mailed Equifax another letter ( copy is attached ), stating they did not provide me with a copy of any viable evidence. Equifax has failed to provide me with the information I have requested. This is a violation of the Fair Credit Reporting Act. I have verified and received correspondence from both bankruptcy courts and XXXX, that they do not verify information with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is reporting an account under my name and social security number that I never opened. This account was opened due to identity theft. I provided a police report during my dispute to them. I was never associated with Bank of America or any personal or business account being reported.

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 2017-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are 4 accounts on my credit report they are not mind. 
Someone must have used my information. 
I am not even old enough to have these things on my report. Havent bought anything done any thing. I just graduated from high school. All 3 of the 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 2017-11-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting an auto loan that was opened due to identity theft. The account is under my name and social. The account is from creditor XXXX XXXX XXXX ( XXXX ) with the balance of {$17000.00}. This account was opened after I experienced identity theft and I have provided a previous police report to dispute this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
An unauthorized withdrawal of {$120.00} was made by Capital One from my XXXX XXXX  Checking account on XXXX XXXX, 2017. I contacted Capital One the next day and they were unable to explain how this withdrawal was made from my personal account since I have no financial relationship with Capital One. They indicated a willingness to investigate and now, after almost 3 months of telephone conversations with Capital One banking representatives, they have still not provided an explanation of how they made this fraudulent withdrawal. 

Additionally, they falsely claim that Capital One reimbursed the {$120.00} to my XXXX XXXX account. XXXX XXXX XXXX XXXX confirms this has never occurred. 

No evidence has been provided explaining the withdrawal nor has Capital One provided any evidence of the reimbursement to my XXXX XXXX savings Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 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: Nelnet, Inc.
State: CT

Complaint narrative:
Nelnet erroneously reported 6 student loans totaling {$13000.00} as 90 days delinquent in XXXX of 2015 despite numerous attempts to submit documentation that I was eligible for deferment, or at a minimum forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My husband and I have a mortgage with Chase bank. They collect money and hold in escrow to pay our taxes and homeowners insurance. 
- On or about XX/XX/XXXX, I called Chase to ask them to pay a supplemental tax bill in the amount of {$2000.00} from our escrow account. They paid it. 
- In addition, they paid a second supplemental tax bill in the amount of {$11000.00}. They paid this without our consent, authorization, or knowledge. 
- This payment resulted in a shortage in our escrow account of - {$4200.00}. 
- Our monthly payment includes {$1100.00} in escrow collection, so by maintaining our regular payment, we would replenish in the 4th month - so by XX/XX/XXXX we would be positive. 
- However, they made an error in our escrow analysis. They accounted for paying the taxes they had just paid ( a payment in XX/XX/XXXX and XX/XX/XXXX ). Taxes are paid in full through XX/XX/XXXX. 
- Based on that error in escrow, they recalcualted our payment to {$6800.00}, {$1000.00} higher than our regular payment. 
- We paid our XXXX payment on time in the regular amount of {$5700.00}. Chase will not process it, because we did not pay the additional {$1000.00}. They are instead holding our money in a " suspense account. '' **How is it legal to refuse to apply our money to our mortgage account?? 
- I have called 4 - 6 times. Chase understands that no taxes are due until XX/XX/XXXX. They understand the escrow analysis is inaccurate. 
- I called again yesterday and was told they will report our mortgage as unpaid. We will have a mortgage late on our credit, which will RUIN our credit. 
** Chase is holding our FICO score hostage to collect money that is n't required. The errors are on their end, admittedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
XXXX is reporting an auto loan that was opened due to identity theft. The account is under my name and social. The account is from creditor XXXX XXXX XXXX ( XXXX ) with the balance of {$17000.00}. This account was opened after I experienced identity theft and I have provided a previous police report to dispute this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 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: R.M. Galicia, Inc.
State: CA

Complaint narrative:
On my XXXX and XXXX credit report, XXXX XXXX XXXX are reporting a debt ( {$77.00} ) that was included in my bankruptcy as collection accounts and money that I still owe. My bankruptcy was discharged XX/XX/XXXX. They are reporting this as of XX/XX/XXXX. XXXX is reporting this as being included in my bankruptcy with {$0.00} being owed. Please advise and have it removed. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are 4 accounts on my credit report they are not mind. 
Someone must have used my information. 
I am not even old enough to have these things on my report. Havent bought anything done any thing. I just graduated from high school. All 3 of the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are 4 accounts on my credit report they are not mind.
Someone must have used my information.
I am not even old enough to have these things on my report. Havent bought anything done any thing. I just graduated from high school. All 3 of the 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 2017-11-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed a Bankruptcy with the Credit Bureau who continues to inform me that verification is verified as accurate when it is not. The Bankruptcy Courts mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

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 2017-11-26 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: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
On my XXXX and XXXX credit report, A collection agency is reporting a debt ( {$44.00} & ) that was included in my bankruptcy as collection accounts and money that I still owe. My  bankruptcy was discharged XXXX 2011. XXXX is reporting this as being included in my bankruptcy with {$0.00} being owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 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 have disputed a Bankruptcy with the Credit Bureau who continues to inform me that verification is verified as accurate when it is not. The Bankruptcy Courts mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

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 2017-11-26 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On my XXXX and XXXX credit report, A credit collection agency is reporting a Two debts ( {$720.00} & {$280.00} ) that was included in my bankruptcy as collection accounts and money that I still owe. XXXX is reporting this as being included in my bankruptcy with {$0.00} being owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have had this account with XXXX XXXX XXXX XXXX card since on or about XX/XX/XXXX. ( I had the card before this date but XXXX XXXX bought out XXXX ) I have never been late, never carried a balance, never had any problem until XX/XX/XXXX when I tried to access may account on line like I always have about once a week to make sure no one is trying to use may account. When I tried to log in to my account on, or about XX/XX/XXXX I received a message that I  could n't check my account on line until I gave them some some personal information, like my social security number ( which they already have ) bank account number, and other personal information that I do n't consider any of their business. ( I will attach some of their requests if possible ) I have not requested an increase in my credit line, or any other requests.I would have discontinued the account but I was afraid it might hurt my credit score, my line of credit on that account is about {$9000.00}, I have a score of XXXX on my last report, this month of XX/XX/XXXX. I  feel they are trying to force me to submit information I do n't want to give.

Company response to consumer: Closed with explanation