vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc
State: NV

Complaint narrative:
Plus Four Inc, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX has listed 3 inaccurate debts on all three credit bureaus. The medical bills are from one doctor which was paid at the time of service when I visited the doctors office. I did call the office several years ago when I saw this debt was on my credit report and the nurse insured me that they would removed the debt. However since that time the doctor 's office has closed and I have no other recourse. I never owed this debt legally it must be removed from credit report immediately. The following dates and amounts reported to the credit bureau are as follows : XX/XX/XXXX - {$35.00} XX/XX/XXXX - XXXX XX/XX/XXXX - {$120.00}

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 — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied for a Capital One card during a mental illness episode and never used it until XXXX. When I did use it, I used it correctly and paid it regularly. My balance ability to use the card was increased from 300-500. Following the episode, literally the following day, I paid the card off completely. 

In XXXX, I applied for another card and was approved again for XXXX. I used that car to pay off housing debt to move into an apartment with college friends. I had a balance of XXXX when I was then released from my job with XXXX as an XXXX of XXXX. Actually, I was never XXXXXXXX XXXX XXXX, I was XXXX XXXX XXXX. 

Anyway, I still paid that card off and it was paid completely. however, to this day, they refuse to take it off my credit or compensate me for their fraudulent behavior. My credit score was steadily increasing, I have copies of my XXXX and XXXX reports dating back to XXXX when I was re-establishing my credit. 

They still refuse to fix the damage they have done. Due to their negligence, my ability to establish my entertainment legacy, agency, and business has suffered immensely. It actually almost kept me from going back to XXXX XXXX to finish my 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed a few items on my credit report however it keeps coming back as verified. 

XXXX XXXXXXXX XXXX Also a lot or inquires In XXXX i spoke to a police officer they gave me a police report I called all 3 beaus with the report number.

I was told it would take 5 bus days its now XXXX.. the bearus said that it came back verified. not that they verifed what was " verifed '' on top of that i have a enormous amount of inquires that are still there. The Poeple just keep running my credit over and over ..it was so bad they transposed my soc sec giving a me joint file for a long time and no one know Ive now submitted my police report to you guys

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 — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX is trying to collect a debt for PayPal Credit that is disputed because PayPal Credit has done to me what they did to other consumers ( Something CFPB knows about since they filed a lawsuit in XX/XX/2015 and received {>= $1,000,000} from PayPal Credit ).

The debt is in dispute and is not substantiated by anything other than PayPal 's  dubious word ( again we know it is dubious because the XXXX CFPB filed a suit against PayPal Credit in XX/XX/2015 and received {>= $1,000,000} from them ).

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: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
I signed up with XXXX XXXX XXXX XXXX to help me get control of my debt. I am paying them twice a month and they are paying my creditors including the Payday Loan Company CheckSmart. They have been notified and will start receiving payments soon. However they are calling my work every day and harassing me and this is causing me trouble at work. I believe it is illegal to call people at work and harass them. The Payday Loan is CheckSmart at XXXX XXXX XXXX, XXXX OH XXXX ( XXXX ) XXXX, also known as XXXX XXXX. It is Loan number XXXX. Please stop them from calling my work.

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: TX

Complaint narrative:
I applied for a XXXX XXXX card during a mental illness episode and never used it until XXXX. When I did use it, I used it correctly and paid it regularly. My balance ability to use the card was increased from 300-500. Following the episode, literally the following day, I paid the card off completely. 

In XXXX, I applied for another card and was approved again for XXXX. I used that car to pay off housing debt to move into an apartment with college friends. I had a balance of XXXX when I was then released from my job with XXXX as an XXXX of XXXX. Actually, I was never XXXX XXXX XXXX, I was XXXX XXXX XXXX. 

Anyway, I still paid that card off and it was paid completely. however, to this day, they refuse to take it off my credit or compensate me for their fraudulent behavior. My credit score was steadily increasing, I have copies of my XXXX and Equifax reports dating back to XXXX when I was re-establishing my credit. 

They still refuse to fix the damage they have done. Due to their negligence, my ability to establish my entertainment legacy, agency, and business has suffered immensely. It actually almost kept me from going back to XXXX XXXX to finish my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Auto Finance, in conjunction with XXXX XXXX XXXX XXXX XXXX and XXXX have attempted to extort my family name and family business ever since I went in seeking an auto loan following the illegal activities of XXXX XXXX and their agents at XXXX XXXX XXXX and XXXX. 

I was unable to secure a loan for a new vehicle, I was forced and almost coerced by " XXXX '' " XXXX '', IDK his real name, to sign for a XXXX XXXX at a rate that was the exact same as the rate for the 2018 XXXX XXXX. Once I refused and pressed harder, he literally begged me to get in a new XXXX. 

When I refused that, he then proceeded to act aggressively and in a XXXX manner that made me and the employees at the nearby XXXX XXXX XXXX uncomfortable. 

I do not trust him, I do not trust Capital One on XXXX XXXX and I will never return to ask them for any credit in my name or my business tax ID ever again.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have disputed the late payments on this XXXX XXXX XXXX   XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX   on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: FL

Complaint narrative:
I was summoned by XXXX XXXX XXXX for a debt for an account " XXXX ''. I received no letters from XXXX XXXX XXXX asking me if I validated this account was ever mine. Instead they had someone send a summons to me to appear in court. I appeared in court on the day requested to contest the account and they did not hsow up. They sent an affidavit blaming their no show on a scheduling issue. Immediately after I was summoned I sent to the court and XXXX XXXX XXXX a challenge to verify if the debit is mine but all I got was a letter with some statements and one page part of a forward flow agreement between them and " XXXX ''. To this day I have not received proof that I have opened this account such as a signature and per federal law, they should not be able to come after me for this debt if they have no proof. Attached is 5 letters. One is the letter with the entire suit package, second is the summons to appear, three is my answer in response to the matter requesting proof I opened the account, four is the court 's dismissal due to no show by plaintiff, and five is the affidavit explaining their absence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ASTA FUNDING INC.
State: VA

Complaint narrative:
Based on complaint : # XXXX XXXX claims debt originates from XXXXXXXX XXXX. 

XX/XX/2018 - XXXX XXXX - I contacted XXXX XXXX / XXXX - ( XXXX ) XXXX and they did not have any records of me every having an account. 

They transferred me to the department that handles charge-offs and selling accounts - XXXX XXXX XXXX XXXX and they have no record associated with my social security number. 

They recommended I contact XXXX XXXX. 

XX/XX/2018 - XXXX XXXX - I contacted XXXX XXXX - XXXX ( XXXX ) XXXX and they only found two accounts ( current ) having ever been opened under my social security number. 

XX/XX/2018 - XXXX XXXX - I contacted XXXX XXXX XXXX - XXXX XXXX XXXX XXXX to discuss the above and they have been told to no longer discuss this account because I filed a complaint and the complaint department will be handling this. I requested to speak to the manager and was transferred to the voicemail of XXXX, out until Monday. I identified myself by name and social security number and advised of the above and that the Proof of Debt Validation letter has arrived and that I would be awaiting a response. 

It has been 14 days since my wages have been garnished for a debt that is not mine. 

CC : Virginia Attorney General XXXX XXXX Office of the Attorney General XXXX XXXX XXXX XXXX XXXX, Virginia XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: D2 Management LLC
State: CA

Complaint narrative:
I have been repeatedly called by D2 Mgmt. regarding a debt that they say I owe to XXXXXXXX XXXX on an account they say was opened on XX/XX/2006. D2 states that I owe {$1600.00}. I have told them each time they call me that I do not owe them or XXXX XXXX anything, that I am on permanent XXXX and that I will not pay them a XXXX on a debt that I do not owe. D2 representatives have bullied me, threatened me, stated they will sue me, and refuse to cease and desist calling my telephone. I have checked my credit reports with 3 different credit bureaus at least once a year since 2006 and there has never been an account with XXXX XXXX   shown as in collection or delinquent on any of them. Frankly, I am tired of this company 's threats. Today, I finally told their representative that if they believe they can sue me for a debt that I do not owe, they should do so and stop calling me. The D2 rep did her best to scare and intimidate me and has repeatedly lied to try to get me to pay a debt that I am not responsible for paying. I want it to stop!

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 is not yours
Company: Delmarva Collections, Inc.
State: MD

Complaint narrative:
delmarva collections of XXXX md - XXXX XXXX XXXX XXXX XXXX md XXXX - XXXX this company is trying to collect a debt i believe i do not owe. i am not aware of any debt i should owe to one of their clients - XXXX XXXX XXXX {$24.00}. delmarva 's internal collection account number is XXXX and the disputed date of the disputed service is XX/XX/2018. i sent a letter to delmarva collections requesting information on the debt they claim i owe. i asked for information not an investigation. i asked for information that the federal trade commission expects collectors to provide as per 1.5 u.s. c. 1681 fair practices for debt collectors. 

i received a letter dated XX/XX/2018 from delmarva stating reference to their internal collection account XXXX they claim that i did not provide enough information about my challenge to this disputed debt. when in fact - i provided everything they could possibly need - i disputed the debt as " service not received '' this is easy to understand - they also state that they are refusing to provide me the information -- they must provide based on the previous stated ftc rule. i expect either for them to provide me this information about the disputed debt or release the debt from my name. this is unfair debt collecting practices.

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 — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
USAA Bank I received a text XX/XX/XXXX that my ex-husband had been added to my profile at USAA. When I called, the first agent told me there were 4 accounts under my soc sec that I was listed as trustee but she was unable to give me any info on the accounts ( I have three daughters ). The third agent that day with the fraud department started to give me the account info, then stopped because it was noted that he wasn't allowed to share info with me. Within 10 minutes, he claimed that suddenly my accounts " disappeared '' and that I no longer had accounts with USAA. 
Since, I have tried to get through multiple times - every other time, the agent says I have/had accounts and they aren't allowed to give me info because of their dedication to customer privacy. OR, they tell me accounts never existed. At one point, a woman walked me through the security questions so that she could give me XX/XX/XXXX ( and XX/XX/XXXX ) tax  paperwork ( I am responsible for the 4 of our filings ). Then, could not proceed without my ex verbally verifying himself as well, per notation on accounts that he was required to issue permissions.

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 — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc
State: TN

Complaint narrative:
I am re-opening this case due to the fact that issue was not resolved or addressed. The company in question is and used threating tactics in it's written correspondence of this disputed debt. Which is a direct violation of the FDCPA. Stating in the letter that we have not received any correspondence as it relates to this disputed debt when you have received correspondence from me and stating in both letters " if you don't pay us we will damage/negative your credit on your report ''. I would be happy to provide copies of these letters if you or the CFPB need them. I consider this wording to be very threatening and aggressive. I look forward to working with you to address this concern and issue.

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: CA

Complaint narrative:
I have disputed a few items on my credit report however it keeps coming back as verified. 

XXXX XXXX XXXX  Also a lot or inquires In may i spoke to a police officer they gave me a police report I called all 3 beaus with the report number. 

I was told it would take 5 bus days its now XXXX.. the bearus said that it came back verified. not that they verifed what was " verifed '' on top of that i have a enormous amount of inquires that are still there. The Poeple just keep running my credit over and over ..it was so bad they transposed my soc sec giving a me joint file for a long time and no one know Ive now submitted my police report to you guys

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: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had 3 fraudulent charges from my Chase Checking account. Chase reversed the first 2 charges and not the third saying their company policy is to only reverse the first 2 charges because they have a 60 day time limit. The 1st charge was {$54.00} in XX/XX/2018, the 2nd charge was  {$180.00} in XX/XX/2018 and the 3rd charge was {$530.00} in XX/XX/2018. I can't get passed anyone at Chase because all they are telling me is that it is company policy. When I originally filed the claim they told me it had to reported within 60 days which I thought I did seeing I filed the dispute in XX/XX/2018.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Hello We need to get what we were offered and promised! It's a contract! 

The issue here I think can be that the person which I sent a referral to used my original email address when I registered with coinbase almost a year ago, and which I gave to her to register for coinbase, while she didn't have any spare email for that time. So their automated system probably detected duplicate email address which already received a referral offer a year ago. But the person who got a referral has her own name, social security, account number, it's not a duplicate profile! And referral offer was under her name! 

We contacted coinbase many times, they are not willing to help, or even to understand what the issue is and why it's not triggering the referral offer for both of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have been repeatedly called by XXXX XXXX. regarding a debt that they say I owe to U.S Bank on an account they say was opened on XX/XX/2006. XXXX states that I owe {$1600.00}. I have told them each time they call me that I do not owe them or U.S. Bank anything, that I am on XXXX XXXX and that I will not pay them a dime on a debt that I do not owe. XXXX representatives have bullied me, threatened me, stated they will sue me, and refuse to cease and desist calling my telephone. I have checked my credit reports with 3 different credit bureaus at least once a year since XX/XX/2006 and there has never been an account with U.S Bank shown as in collection or delinquent on any of them. Frankly, I am tired of this company 's threats. Today, I finally told their representative that if they believe they can sue me for a debt that I do not owe, they should do so and stop calling me. The XXXX rep did her best to scare and intimidate me and has repeatedly lied to try to get me to pay a debt that I am not responsible for paying. I want it to stop!

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: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I was once a customer of XXXX XXXX. I was an account holder in XX/XX/XXXX. I switched companies, to XXXX, in XX/XX/XXXX for the XXXX XXXX. 

Ever since the switch, which was done improperly by agents of the company in XXXX, IL, I have repeatedly received bills from XXXX XXXX in XXXX, WA. 

The reason I switched companies was because I was doing music on an old XXXX  device. The phone fell flat on its face and broke completely in my dorm room. I then switched companies to get an XXXX XXXX because I never had one. 

I paid XXXX off and told them to switch my service, however, they have continued to follow my activities socially and continue to send me past due collections bills regarding their device. I I paid every single phone I have ever had from XXXX off, but I still receive bills from XXXX XXXX. I called XXXX, I called XXXX, I called XXXX, I called all of them to tell them I don't own the account, but they continue to say I owe XXXX for past due bills that do not exist.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Navient emails me to tell me to go login to their website. You can not reply to the email, and the website says ACCOUNT DISABLED. Click here to Contact Us. The Contact Us link goes to a Error - Page not Found on their website. If you do a XXXX search for Contact Us Navient, it sends you to a page on Navient that says LOG IN TO CONTACT US, you click that and attempt to login, it says ACCOUNT DISABLED. Do you see the endless LOOP here???????????????

Company response to consumer: Closed with explanation