vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-23 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: FL

Complaint narrative:
On XX/XX/XXXX, I submitted to the major credit reporting agencies a dispute in regards to accounts and inquiries on my credit that I never knew about or authorized. It has been well over 30 business days since I have submitted my dispute via certified mail to the addresses they have listed on the websites, yet to no avail as the accounts continue to erroneously report on my credit file.

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 2018-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I've had this account since 2012. I've never missed a payment and often made more that the minimum payment. Over the course of having an open account I've paid the balance off several time.I hold a Platinum XXXX XXXX with no limit so my credit score is above average. Despite the aforementioned facts, I noticed that the balance on my account was not dwindling as I expected. The account has a purchases balance and a cash advance balance. Apparently, the company decided to allocate the payments to the lower balance and any amount over that to the higher balance. The problem I have with the account is as I began to increase the amount of my monthly payments which should have caused the account to be paid off at a higher rate, they chose to raise the interest rate on the account which had the affect of making it more difficult to pay the account off. When I inquired into the reason of interest rate increases I was told they were based on the prime rate in the XXXX XXXX XXXX. The problem with this explanation is that the prime interest to which they referred, increases and rises based on various economic factors. Given the fact the the countries economy was in a recession and the interest rates were at a historical low for the better part of the last twelve ( 12 ) years, I never received a rate reduction. Instead the interest rate associated with the purchase balance increased approximately five ( 5 ) percent from 17.9 to 21.9 while the interest rate on the cash advance increased approximately five ( 5 ) percent from 21.9 to 26.9 as well. These are the types of interest rates that one would expect to receive when hey are attempting to build up their credit not for someone that has a impeccable credit core and and a exception payment history with this institution. I would expect my interest rates on this account to decline not increase. Thus, the increased the interest on my account somewhere in the neighborhood of ten ( 10 ) percent during a time when interest rates were a historical low. All this occurred without the company notifying me of the steep hike in my interest rates. For those that are acquainted with who interest rates works, a increase of one ( 1 ) or two ( 2 ) percentage points has a profane impact on the amount interest charged on the account and my account increased around ten ( 10 ). This is nothing short of predatory lending!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: CA

Complaint narrative:
I have disputed 5 unknown accounts that appear on my Equifax credit report for the past 7 months and they have yet to remove them. I have called and spoke with agents that speak limited English who don't seem to care about my situation. In addition, I have sent in several disputes along with my fraud Affidavit Packet, Police Report, FTC Report and my Notarized Statement and to date no one can tell me why they have not deleted the accounts. Equifax is the ONLY credit Bureau that is reporting the fraudulent accounts and inquiries. 

XXXX Police Report # 's XXXX and XXXX FTC Complaint # XXXX Cfpb Case # XXXX Equifax Confirmation Numbers XXXX XXXX Fraudulent Accounts 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX  XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX XXXX XXXX Fraudulent Inquiries XXXX XXXX XXXX XX/XX/2018 XXXX XXXX   Card XX/XX/2018 XXXX XXXX Card XX/XX/2018, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This Complaint is against Equifax XXXX XXXX  XXXX XXXX, GA XXXX On XX/XX/2018 I have sent a dispute letter to Equifax certified via mail tracking # XXXX and the letter was received by Equifax on XX/XX/2018. I waited 40 days for a completed investigation and response from Equifax and still did not receive anything in the mail from them. So on XX/XX/2018 I sent a 30-day non-response letter certified via mail tracking number # XXXX and was received by Equifax on XX/XX/2018 stating to Equifax to remove all negative accounts that I have disputed with them on XX/XX/2018 because Equifax failed to show proof of debt and failed to respond to my dispute with in 30 days by law. Equifax then sent me letter on XX/XX/2018 stating the identification I sent them does not match their records on file and they needed a utility bill and I.D and social security card and the letter they sent me so I sent them copies they needed on XX/XX/2018 certified via mail tracking # XXXX of the old disputes letters that has a notarized letter saying that its me and my address is correct on the dispute letter. It is now XX/XX/2018 and I have still not received a response from Equifax with an update on my credit dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23 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: FL

Complaint narrative:
On XX/XX/XXXX, I submitted to the major credit reporting agencies a dispute in regards to accounts and inquiries on my credit that I never knew about or authorized. It has been well over 30 business days since I have submitted my dispute via certified mail to the addresses they have listed on the websites, yet to no avail as the accounts continue to erroneously report on my credit file.

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 2018-08-23 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: FL

Complaint narrative:
On XX/XX/XXXX, I submitted to the major credit reporting agencies a dispute in regards to accounts and inquiries on my credit that I never knew about or authorized. It has been well over 30 business  days since I have submitted my dispute via certified mail to the addresses they have listed on the websites, yet to no avail as the accounts continue to erroneously report on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX in the amount of {$140.00} is being reported onto my account and i have no idea who or what this account is for. I have reached out to XXXX  and they have informed me that this account has been closed and should not be reporting onto my credit file. Yet Equifax  still continues to report information that is a direct result of identity theft. XXXX or XXXX the company they represent has never contacted me about this fraudulent debt not given me the chance to dispute the validity of the account. I have ask XXXX  and XXXX to send me all copies of records relating to this account yet that cant provide it to me so how in the heck are you verifying it Equifax? Please delete or block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23 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: CORELOGIC INC
State: TX

Complaint narrative:
I bought a new car and paid cash. However, XXXX XXXX XXXX used XXXX  and pulled my credit without my consent! I received a notification from XXXX while in the lobby and inquired about it and was told it was because I wrote a check. I was not applying for credit and my credit should not have had a hard inquiry to buy a new car without financing.

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 2018-08-23 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: I.C. System, Inc.
State: AZ

Complaint narrative:
Telephoned the collection agency in XX/XX/2018 and disputed the debt. Did not accept that I do not owe this debt. Have no idea why they are charging me and now it is on my credit reports.Just mailed out a certified letter asking for them to show me proof of the charges

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 2018-08-23 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: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
1. On the credit report from XXXX, there is a " collection '' record from EASTERN ACCOUNT SYSTEM. The balance is {$560.00} first reported on XX/XX/XXXX. On " Payment History '' it shows " Failed to Pay '' on XX/XX/XXXX. 2. A check was made payable to XXXX XXXX XXXX dated XX/XX/XXXX with the amount of {$560.00}. ( this is the exact amount of service requested, rounded up in credit report to {$560.00} ) 3. OnXX/XX/XXXX, the same check was deposited by XXXX XXXX XXXX  in XXXX CT with proof of check image attached.

4. The credit report is incorrectly showing " Failed to Pay '' on XX/XX/XXXX, this collection is reported 3 years after the check was deposited by XXXX XXXX in XX/XX/XXXX 5. An online dispute was submitted to XXXX  to correct this. However, XXXX did not make the proper correction and still shows this collection record and " FAILED TO PAY '' in current credit report 6. A email was sent to EASTERN ACCOUNT SYSTEM requesting correction. No response was ever received.

7. Called XXXX XXXX XXXX  Office and was promised to correct the record but it never happened.

8. A mortgage loan was rejected from XXXX XXXX XXXX  in XX/XX/XXXX due to the false record of collections showed inXX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Creedence resource management is calling non stop from multiple phone numbers. They've called from the following numbers : XXXX XXXX XXXX XXXX I have previously reached out to the creditor to fix this issue and had been making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I sent {$400.00} to someone through XXXX by XXXX on Sunday, XX/XX/2018. The email the money was sent to is XXXX. This persons phone number is XXXX. Maybe an hour or so later that same night I realized my mistakeI didnt not want to send this person $ XXXXand requested they refund me the money back. They told me in writing they would refund me my money by Wednesday, XX/XX/2018 and did not do so. Ive come into contact with numerous other people who have been scammed out of money when trying to buy concert tickets by this same person. All of us ( including myself ) who have contacted our banks have gotten the same responsetheres nothing they can do about it. My bank is Chase. If theres any way this person who scammed me and so many others out of hundred of dollars can be tracked down and held accountable that would be amazing but Ive quickly lost all faith in XXXX and the banks that support it. All I want is a refund of my {$400.00}. I realize its not Chases fault, but at the same time I feel I was mislead in regards to the nature of XXXX and the utter lack of protection associated. As a result, I am strongly considering withdrawing what little money I have left and leaving Chase Bank. Im very upset about this entire situation and just want a little bit of justice. The lesson Im taking from this terrible experience : never use XXXX, especially if the recipient of your money is not personally known.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX And COMMONWEALTH FINANCIAL   negatively reaged my credit. Saying it was opened on XX/XX/XXXX (XX/XX/XXXX) and openedXX/XX/XXXX ( commonwealth financial ) when this debt is from XX/XX/XXXX-XX/XX/XXXX and should be off my credit by this year as originally stated before reaging it on my credit report. I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: CA

Complaint narrative:
Transunion was incorrectly reporting that I was late on payment for my HELOC account. I have never missed or been late on a payment for this account and the balance is currently {$0.00}. I disputed the issue with Transunion and my score was corrected. However, the issue reoccurred the next month. I disputed the issue again with Transunion and they have done nothing to correct the issue this time. How many times should I have to ask them to fix this?

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 2018-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Credence Resource Management ( CRM ) has been reporting a collection account from XXXX XXXX XXXX XXXX in the amount of {$1600.00} to all 3 credit bureaus on my name since XX/XX/2017. The XXXX XXXX XXXX balance was settled DIRECTLY with XXXX XXXX XXXX in payments over the last few months and closed.

Credence has been inaccurately reporting this account on my credit report as a collection and I want this reporting deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
DEBT RECOVERY SOLUTIONS , LLC, XXXX XXXX And XXXX XXXX   negatively reaged my credit. Saying it was opened on XX/XX/XXXX ( XXXX XXXX  ) and opened XX/XX/XXXX ( XXXX XXXX  ) when this debt is fromXX/XX/XXXX-XX/XX/XXXX and should be off my credit by this year as originally stated before reaging it on my credit report. I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
This account is not owed by me. I previously disputed the debt and it was investigated and removed only to be sold to another debt collector a short time later. I have mailed letter and disputed the debt via the credit bureaus. This account is fraudulent and I provided proof of the dates I lived at the address tied to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HONOR FINANCE, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX  was a company that provided sub-prime auto loans in Illinois and several other States. During the years of XX/XX/XXXX to and through XX/XX/XXXX they engaged in deceptive, fraudulent and illegal debt collection practices as they preyed upon unwitting previous customers. XXXX XXXX XXXX through the use of XXXX XXXX XXXX XXXX and XXXX XXXX ( Honor Finances General Counsel ) engaged in the practice of debt collection, on XXXX XXXX XXXX behalf, without being licensed to do so. The actions of XXXX XXXX XXXX  ( XXXX XXXX & XXXX XXXX  ), Honor Finance, XXXX XXXX XXXX XXXX   and XXXX XXXX  can best be described as THEFT by DECEPTION.

I have submitted a complaint through your department regarding XXXX XXXX, CPA and it has been confirmed by your office that he is not nor has never been licensed to engage in the practice of collections in Illinois or any other State. Honor Finance facilitated the fraudulent & illegal collections activity and under the supervision of XXXX XXXX and XXXX XXXX at Honor Finance, XXXX XXXX  would collect payments by check & credit cards and submit the funds back to the offices of Honor Finance. In many cases these payments would come in as a result of wage garnishments that were initiated by XXXX XXXX, CPA and processed by XXXX XXXX, General Counsel for Honor Finance.

XXXX XXXX XXXX  states that they have no relationship with XXXX XXXX  and that these old accounts were purchased by himalthough hes not a licensed debt collector. Given the fact that XXXX XXXX had a personal username and login to Honor Finances proprietary computer system in addition to a personal login to Honor Finances XXXX account to access customer credit reports ( PRIVATE/CONFIDENTIAL/PERSONAL INFORMATION ) and also personal logins to Honor Finances skip tracing programs, its hard to believe that he had no relationship with their companyhe spent more of his work day on Honor Finances customers than he did on his own.

All accounts, by virtue of XXXX XXXX lack of having a debt collection license, were being fraudulently and illegally collected upon. The most egregious act that these individuals perpetrated against these unwitting consumers was collecting payments and not applying them to any believed debt that they thought they owedthe funds were collected and pocketed by these individualsTHEFT! There are customer scenarios where customers cars were repossessed and sold and the sale proceeds were never applied to their accountsTHEFT!

My allegations & accusations are from first-hand accounts and Im more than willing to meet, discuss and provide any supporting information that I have. In meeting with your representative in your XXXX XXXX  office, he urged me to follow up with your office after he had a chance to review the documents I had regarding XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
In the course of 3 years, I have tried several times to dispute this problem. The college I was attending took down the wrong contact information on my loan application. I did not know that I was missing payments until I was notified by mail. By that time I was around 3 months late. I corrected my contact information and haven't missed a payment on my credit report since then. I tried disputing this situation with multiple credit bureaus with no yield. I also tried contacting the college and was told they could not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX Was removed from my XXXX report but still remains on my XXXX. They relentlessly call 10 times a day. Its an old debt from XX/XX/2011 reaged to ruin my credit and is therefore violating consumer laws

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