vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Capital one placed restrictions on 2 of my credit cards and changed credit cards and refused to send me new credit cards once they was completed with fraud investigation. They also reported false information to credit bureaus that my accounts was past due. I have contacted capital one fraud management to try and resolve this matter. Capital one is taking money automatically out of my bank account monthy for my payments. This is so unfair to me as a customer. If capital one dont send me new credit cards and remove restrictions from my cards, I will not be paying them any longer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Relief Center
State: NY

Complaint narrative:
I received a letter from the Debt Relief Center stating it was an important second notice to help alleviate my credit card balance of {$29000.00} for a pay off amount of {$14000.00}. The letter is very deceiving in that it makes it look like I have {$29000.00} in credit card debt. There is no way this company would know how much debt I truly owe, I have strict credit monitors in place through the one credit card company I use and my current balance to them is less  than {$250.00}. I have no other open credit cards and have not been notified by my credit card company that any new inquiries have been done on my credit report. I can supply a copy of this letter to you and fear that someone not educated about their credit like I am will be taken advantage of

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX, I've became aware of the following addresses being on my credit report. The addresses listed are inaccurate and I would like for them to be removed : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I'm also requesting for the following phone numbers to be removed : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 2018-11-09 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX, I've became aware of the following addresses being on my credit report. The addresses listed are inaccurate and I would like for them to be removed : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I'm also requesting for the following phone numbers to be removed : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Adjustment Bureau of Mid-America, Inc.
State: FL

Complaint narrative:
I have been a year to result this dispute, and them put back my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My XXXX card that I have through SYNCHRONY BANK has been closed by the bank. 
On XX/XX/XXXX I made a payment of {$150.00} only to get a letter a few days later stating they had closed my account because of to many dishonored payments. I have had NSF 'S but I also know that when you have them that you pay for them through fees. 
I have fell into hardship. I had an accident was out of work, went back to work, then Hurricane Florence hit, and that put me back out of work. As of right now my account is caught up. I had no idea about the closure until I received a letter ... I then called Synchrony Bank and talked with 2 representatives and got no response except you can't have NSF 'S with us or we will close your account. They acted like they could careless about anything. Not profesdional and that is not acceptable I have paid the fees when that happens.

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 monetary relief
Consumer complaint received 2018-11-09 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: Capstone Credit & Collection, LLC.
State: TX

Complaint narrative:
Capstone credit & collection is reporting incorrect information on an account that does not belong to me. The balance on the account is {$3200.00} as of XX/XX/XXXX. Account states that it was opened on XX/XX/XXXX. Capstone has made several threatening phone attempts and. I have asked the company previously to verify the account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The account dates of opening, closing, last update continues to change as a tactic to keep this account on my credit report longer than it is supposed to be. The dates continue to change. I feel that this account should already have been removed from my credit report. I attempted to dispute again with Experian to get a confirmation date that this account will be removed. XXXX and XXXX have already removed this account from my credit report. Experian refuses to do so by not verifying the initial information.

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 2018-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: The Outsource Group, Inc
State: OH

Complaint narrative:
In XX/XX/XXXX, I received a call from XXXX XXXX stating there was a collection entry on my credit report and they gave me XXXX phone number. I called XXXX and asked them what this was about because there was no collection effort and I was unaware of this debt. I spoke to a lady with XXXX and she said that if I paid the amounts due which were {$1500.00} and another for {$45.00} that it would be removed from my credit report within 90 days. I sent payment out same day. Approximately six months went by and it was still showing on my credit report, therefore I called XXXX again and asked why it was still on my credit report and was told they did not remove entries from my credit file, So I dispusted it through XXXX and they removed the {$45.00} but left the {$1500.00}. I recently was denied credit after that and found out it was still on my credit file with XXXX so I disputed it with XXXX and XXXX and then and called XXXX and asked what was going on and she told me to be patient that it would be removed within 30 days. During this time I received notice from XXXX  and XXXX stating it would be removed. Another credit denial in XX/XX/XXXX because of the collections on my credit report. I called XXXX again, and they told me it would be on my credit file until XX/XX/XXXX. Can you please help me with this as this should have never been in collections and is affecting my credit score and my ability to obtain credit through no fault of mine. 
Thank you, 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 2018-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
Navient is my loan holder of which I am disputing the principle and interest allocations of my payments for account XXXX DL Consolidated Unsubsidized loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I have never done business with RS Clark and Associates. I do not have a signed contract with RS Clark and Associates. I am not liable for any debt from a company in which I have never done business with. I have send a debt validation letter to RS Clark and Associates on XX/XX/2018 and I did not receive any substantial debt validation. Specially I did not see anything validating the alleged debt with my signature. According to the FRCA regulations, RS Clark and Associates are in violation and are subject to fines starting at {$1000.00}. This is my third time asking for the appropriate debt validation. The next time will come with litigation. I hope that this can be resolved without litigation. It is not suffice to present any papers from any other company other than RS Clark and   Associates. RS Clark and Associates can not simply respond by saying they will send me something in the mail. RS Clark and Associates does not have permission to contact me by e-mail, phone, nor us mail. All communication is to be handled via CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: TX

Complaint narrative:
XXXX and Equifax were provided with police reports regarding me being a victim of fraud. XXXX XXXX XXXX {$4000.00} was removed from XXXX after receiving my credit report and further investigation. Equifax and XXXX   continue to report this account on my credit report. The Company was also contacted regarding fraud. Nothing has been done to remove this incorrect reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I received a copy of my credit report and am disputing Several addresses some which I have not resided at.I am requesting these addresses be deleted. I have highlighted these addresses and I am disputingthe following items : The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX The following numbers need to be removed due the they are no longer active or attached to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GMA Investments, LLC
State: OH

Complaint narrative:
XXXX XXXX  contacted my work number on Wednesday, XX/XX/2018. As I was off, they left a voicemail stating that if I did not respond immediately, they would be starting a verification of employment. I got the voicemail today ( XX/XX/2018 ), and called back immediately and left a message advising that I would like to make a payment arrangement of low monthly payments, as I was trying to get involved with a debt consolidation program. I received a return call from a Ms. XXXX or XXXX, but I had missed the call. I called back, and offered the same information I had left in my message. This rep rudely stated that she had already started the verification of employment process, because I did not call back yesterday. I told her I was not at work, and therefore would not have been able to call back, as I did not get the message until today. She told me they were going to start garnishing my wages, unless I paid the {$1300.00} I owed XXXX right away, or paid over {$170.00} bi-weekly. When I said I couldn't do either of those things, and again offered {$100.00} per month, she said she was putting me as " refuse to pay '', and would be garnishing my wages. When I cited FDCPA, she stated that they are not held to the FDCPA laws. I tried to explain that I was trying to find a debt consolidation program, and she said it wouldn't stop the garnishment. Her bullying and scare tactics caused me to have an XXXX XXXX, and had me in tears, because I can not afford to have money taken out of my paycheck.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-09 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: TX

Complaint narrative:
Experian and XXXX were provided with police reports regarding me being a victim of fraud. XXXX XXXX XXXX {$4000.00} was removed from XXXX after receiving my credit report and further investigation. XXXX and Experian continue to report this account on my credit report. The Company was also contacted regarding fraud. Nothing has been done to remove this incorrect reporting.

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 2018-11-09 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: OH

Complaint narrative:
I received a copy of my credit report and am disputing Several addresses some which I have not resided at.I am requesting these addresses be deleted. I have highlighted these addresses and I am disputingthe following items : The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX The following numbers need to be removed due the they are no longer active or attached to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 2018-11-09 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: OH

Complaint narrative:
I received a copy of my credit report and am disputing Several addresses some which I have not resided at.I am requesting these addresses be deleted. I have highlighted these addresses and I am disputingthe following items : The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX The following numbers need to be removed due the they are no longer active or attached to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09 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: TX

Complaint narrative:
Equifax was provided with a police report regarding me being a victim of fraud. XXXX XXXX ( XXXX XXXX ) in the amount {$620.00} has continued to report this account disregarding my disputes. There was another account from XXXX XXXX XXXX, XXXX that was removed from my credit reports, however this account in dispute continues to be reported. If one account is deemed fraudulent and removed how is it that this account continues to be reported. XXXX and XXXX   removed both fraudulent accounts from my credit reports, however Equifax continues to report this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Hello and how are you? Listen, I was going through my credit again, and noticed several variations on the way this account is reporting on my credit file. How is it possible all the 3 major credit bureaus are reporting wrong date of last activity, wrong reporting date, wrong balance, etc? I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation