vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have tried to update my personal information ( address ) by mail. I have not received a response or any update.

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 2018-12-24 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: MD

Complaint narrative:
I have tried to update my personal information ( address ) by mail. I have not received a response or any update.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XX/XX/2018 i went in my local branch in XXXX ga, to close my checking account and saving account, i spoke to the Head office over the phone and in person they advise me they will not close my acconts, as well they let companys take advange of my checking and countiune to let the companys, countiue to over draft my cheking, and the creadit union kept appling {$36.00} overdraft fees, name of the company that has the account transworld system inc, i do not owe {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have been receiving robo-calls from Navient regarding a debt for a person that I don't know. The calls started out once or twice a week, then ramped up to once a day. After contacting them via phone and explaining, this is a place of business, I have been receiving twice the calls, the last one today, XX/XX/XXXX. I don't mind speaking with an Agent, even though the debt isn't mine in the hopes of resolving the issue. However, these calls are from an automatic messaging system, so you need to call them back and wait for 10-15 minutes to get a live person. Each person is cordial enough and tell you that they will take you off the list, then you receive two calls the next day. Please assist in fixing this issue. I'll provide all the pertinent information. Since, this is a business line, we've got all inbound and outbound call data saved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: FL

Complaint narrative:
XXXX XXXX  # XXXX is using an INTIMIDATION tactic by placing this account on my credit reports, I do NOT have any signed contracts with XXXX  XXXX  OR their client. I do NOT owe {$750.00} and I do NOT have 1 month terms with them OR their client. This intimidation tactic is ILLEGAL and the last time I checked, they WERE NOT allowed to place anything on ANYBODY 'S credit report. This needs to be DELETED immediately before I file my lawsuit!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
back in XX/XX/2018 I contacted this company sending them copies of affidavit that this debt was a result of identity theft I do not recognize this account and it needs to be removed from their records and any reporting agency that they have sent it too .... I have not been able to get a response ... then I mailed them again registered XX/XX/2018 I have had numerous accounts opened from fake addresses from my identity being stolen this is my last attempt to reach out before potential exploring potential legal ways to fix this problem ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Peoples Commerce Inc
State: PA

Complaint narrative:
I leased a motor vehicle for the amount of {$13000.00} I made all my payments on time paid within the first two months of the leasing the vehicle broke down and I had it towed back to the dealer the dealer asked for additional funds for the car repairs the vehicle was not drivable. Prior to this within my first month I had the vehicle in the dealer 's shop several times and they declined to fix it or giving me another vehicle I was forced to keep a bad vehicle with multiple problems that was unsafe to drive when I declined to pay the substantial amount for repairs I involuntary repossessed the vehicle to the dealership the vehicle is currently in possession of the ownership of the dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 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: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
On XX/XX/2017 someone applied for a Barclays Credit Card with my Information without my consent which resulted in an hard inquiry on my XXXX Credit Report. I contacted Barclays Bank Delaware themselves and tried to resolve the issue but couldnt.

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 2018-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
In XX/XX/2018 I bought a new car on XXXX XXXX loan # XXXX to XXXX XXXX XXXX   ... I used my XXXX XXXX as trade in, this car still owed money to ally financial loan # XXXX, loan amount XXXX. 
XXXX XXXX supposed to payoff the trade in car loan but they didnt till XX/XX/2018. Ally financing sent a delincuent report to my credit record so affected negatively my credit score .I explained the situation to Ally financial but they told me that they cant erase the negative credit report.

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 2018-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
couple months ago i reported Chase for improperly using my credit. I called and transfered credit line from one credit card to another. while i was doing that i asked if it would hurt my credit. i WAS told no it would no effect my credit. i called on XX/XX/18 and talked to XXXX. later in the month i saw that there was an impact on my credit after this. yes i did apply for a different XXXX  card and also a chase card. the XXXX  card did not report on my credit yet because i have been watching and waiting for it to. i saw a change in my credit report from chase and this must have been from the credit line transfer after i was told it would not effect it. that is when i filed my last complaint and was told that that inquiry was from applying to my new chase card. they then closed the complaint. i am now receiving today another report of a change from chase that is impacting my score. this means i must have been hit 2 times for applying for one card. and if my score was impacted for transferring credit, i was told the wrong information and this should be removed from my credit report. it has cost me time and my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
First of all, Portfolio Recovery calls me repeatedly from different phone numbers. I block a number, and they call from a different one. Not only that, but they called me just a minute ago on XX/XX/XXXXXX/XX/XXXX!!! I've had enough already. I'm tired of them using MY cell phone minutes that I have paid for. This company is already in trouble for their collection practices. I'm wondering if I can join in that lawsuit. The debt I owe to the original credit card company was bought by Portfolio Recovery which means it was paid off. I don't feel it's my obligation to pay a debt that they chose to buy from another company for much less than they're trying to collect from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Barclays XXXX  Mastercard Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$150.00} on my account. The amount is inaccurate because I have not shopped or ordered anything from the following merchants. I recently received my current card ( just weeks old ) as a result of fraudulent activity. On XX/XX/2018, I noticed new fraudulent. I am more concerned with lack of protection and risk I have been subjected. 

Transaction Date Description Category Amount XX/XX/2018 XXXX *XXXX DEBIT XXXX XX/XX/2018 XXXX *XXXX DEBIT XXXX XX/XX/2018 XXXX XXXX XXXX XXXX DEBIT XXXX I am requesting that the errors are corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. I would also like the evidence and source of charges I've identified as fraudulent and also a statement of all transactions that were denied. 

Sincerely, 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 2018-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: KS

Complaint narrative:
On XX/XX/2018 I opened a savings account at U.S.Bank, the representative kept advertising thier credit cards and I replied I would like to wait and see if I had any pre-qualified offers. I signed for a debit card for the savings account and for some reason she took the same signature and applied it towards a credit card we discussed about. I didnt realize this happened until I got an alert on my XXXX XXXX and tried to correct the issue with the bank.

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 2018-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
back in XX/XX/2018 I contacted this company sending them copies of affidavit that this debt was a result of identity theft I do not recognize this account and it needs to be removed from their records and any reporting agency that they have sent it too .... I have not been able to get a response ... then I mailed them again registered XX/XX/2018 I have had numerous accounts opened from fake addresses from my identity being stolen this is my last attempt to reach out before potential exploring potential legal ways to fix this problem ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Last reported date - XX/XX/XXXX Creditor Name - XXXX XXXX Supposedly Opened on - XX/XX/XXXX Limit - {$500.00} Payment Status - Collection/Charge off Creditor Contact Details - XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Number - ( 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 2018-12-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: NC

Complaint narrative:
back in XX/XX/2018 I contacted this company sending them copies of affidavit that this debt was a result of identity theft I do not recognize this account and it needs to be removed from their records and any reporting agency that they have sent it too .... I have not been able to get a response ... then I mailed them again registered XX/XX/2018 I have had numerous accounts opened from fake addresses from my identity being stolen this is my last attempt to reach out before potential exploring potential legal ways to fix this problem ..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
First of all, XXXX XXXX calls me repeatedly from different phone numbers. I block a number, and they call from a different one. Not only that, but they called me just a minute ago on XXXX eve!!! I've had enough already. I'm tired of them using MY cell phone minutes that I have paid for. This company is already in trouble for their collection practices. I'm wondering if I can join in that lawsuit. The debt I owe to the original credit card company was bought by XXXX XXXX which means it was paid off. I don't feel it's my obligation to pay a debt that they chose to buy from another company for much less than they're trying to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
Dear Cust. Relations Mgr., I ask that you provide validation for account history information transmitted to any CHOICE RECOVERY INC # XXXX consumer reporting agencies for me, XXXX XXXX , for the so-called account number CHOICE RECOVERY INC # XXXX. Since personally harmful serious problems may be present within transmitted data, I am asking that your company mail this validated information within thirty days. Additionally, formally concur that you adhered to all provisions of the FDCPA or applicable laws after my term of enrollment as a student. Forward more than a cursory account history. In lieu of that this is a call for a formal audit. If these reasonable demands can not be met during this reasonable period, materials disseminated from CHOICE RECOVERY INC to any consumer reporting agencies should not be regarded as correct and may bespeak an abridgment of the law. Given that circumstance, vacate that reported information immediately. 
I appreciate any assistance you will provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 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: NC

Complaint narrative:
back in XX/XX/2018 I contacted Transunion, XXXX   and XXXX sending them copies of affidavit that these debt was a result of identity theft I do not recognize the accounts on my report and it needs to be removed from their records and any reporting agency that they have shared it with and it be permanently blocked .... I have not been able to get a response ... then I mailed all of them again registered XX/XX/2018 I have had numerous accounts opened from fake addresses from my identity being stolen this is my last attempt to reach out to get this resolved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Last reported date - XX/XX/XXXX Creditor Name - XXXX XXXX Supposedly Opened on - XX/XX/XXXX Limit - {$500.00} Payment Status - Collection/Charge off Creditor Contact Details - XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Number - ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 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: FL

Complaint narrative:
XXXX XXXX # XXXX is using an INTIMIDATION tactic by placing this account on my credit reports, I do NOT have any signed contracts with XXXX XXXX OR their client. I do NOT owe {$750.00} and I do NOT have 1 month terms and I DID NOT open an account with my signature OR their client. XXXX does NOT have my signature at ALL This intimidation tactic is ILLEGAL and the last time I checked, they WERE NOT allowed to place anything on ANYBODY 'S credit report. This needs to be DELETED immediately before I file my lawsuit!

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 2018-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
Account Name : CREDENCE RESOURCE MANA XXXX Original Creditor : XXXX Open Date : XX/XX/2018 ( For Creditor ) Balance : {$1500.00} Debt : {$1500.00} Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Coast to Coast Financial Solutions, Inc.
State: OH

Complaint narrative:
Dear XXXX. Relations Mgr., I ask that you provide validation for account history information COAST TO COAST FINANCIAL transmitted to any consumer reporting agencies for me, XXXX XXXX XXXX for the so-called account number # XXXX. Since personally harmful serious problems may be present within transmitted data, I am asking that your company mail this validated information within thirty days. Additionally, formally concur that you adhered to all provisions of the FDCPA or applicable laws after my term of enrollment as a student. Forward more than a cursory account history. In lieu of that this is a call for a formal audit. If these reasonable demands can not be met during this reasonable period, materials disseminated from COAST TO COAST FINANCIAL to any consumer reporting agencies should not be regarded as correct and may bespeak an abridgment of the law. Given that circumstance, vacate that reported information immediately. I appreciate any assistance you will provide.

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 2018-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: VA

Complaint narrative:
First National Collection Bureau uses intimidation tactics, many phone calls and letters to attempt to collect from XXXX XXXX  XXXX  -which is not related to XXXX XXXX , even if I have repeatedly written to them informing them that I am not the person they are looking for and not even had ever any accounts with that " bank '' in Nevada . I am a current account holder with XXXX XXXX XXXX, in good status and never had any contact with any collection agency representing my banking institution. They are either " phishing '' to see if any innocent bystander answers, or re-dating debts that are not even mine. Not even my name is correctly stated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 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: NC

Complaint narrative:
back in XX/XX/2018 I contacted XXXX, XXXX   and Experian sending them copies of affidavit that these debt was a result of identity theft I do not recognize the accounts on my report and it needs to be removed from their records and any reporting agency that they have shared it with and it be permanently blocked .... I have not been able to get a response ... then I mailed all of them again registered XX/XX/2018 I have had numerous accounts opened from fake addresses from my identity being stolen this is my last attempt to reach out to get this resolved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX # XXXX is using an INTIMIDATION tactic by placing this account on my credit reports, I do NOT have any signed contracts with XXXX XXXX OR their client. I do NOT owe {$750.00} and I do NOT have 1 month terms and I DID NOT open an account with my signature OR their client. XXXX does NOT have my signature at ALL This intimidation tactic is ILLEGAL and the last time I checked, they WERE NOT allowed to place anything on ANYBODY 'S credit report. This needs to be DELETED immediately before I file my lawsuit!

Company response to consumer: Closed with explanation