vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-29 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: GA

Complaint narrative:
On XX/XX/2019, I got a notification from my XXXX  protection with Experian that an inquiry for credit with XXXX card had been made. I never applied for credit with XXXX. I immediately called XXXX, which cancelled the application. They sent me a letter stating they will request the credit agencies to remove the inquiry. After several more calls to the credit agency and XXXX the inquiry has not been removed. XXXX and the credit agency is blaming the other for it still not being removed. XXXX and Experian are the only XXXX showing the inquiry. XXXX state they do not accept inquiry disputes from consumers. They refuse to accept the letter XXXX XXXX sent to me. As of today, XX/XX/219 I'm continuing to have an issue with this, I'm ready to buy a car but the inquiry is causing me to be XXXX point from getting a top tier interest rate.

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 2019-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The Commercial Collection Corporation of New York, Inc.
State: WI

Complaint narrative:
On XX/XX/2019, I received an email regarding a debt I forgot I owed to XXXX from XXXX XXXX at Commercial Collection Corp. They stated I have an outstanding balance and gave the amount, then gave information on how to log in and resolve my balance. 

This wouldn't have been a problem, however, in this email, they CCed 15 other email addresses. Some of these email addresses were ones I used when I was XXXX years old, which I have not touched for decades. Some were to family members. Others I did not recognize at all. 

This is a major violation of my privacy and I am overwhelmed and mortified that this information was released without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Hi, Ally Financial has been calling me to say Im in the process of repossession for my car because Im behind 4 payments. I have receipts and tracking number for my payments from the month of XX/XX/XXXX-XX/XX/XXXX. As I am on the phone with the rep, they are saying Im behind since XX/XX/XXXX and Im catching up on whatever is late. I asked them can they verify the exact dates which ones are missed, they cant seem to give me the information. Instead the rep gets upset and ask if I can make {$1400.00} today. I hung up the phone and called another rep to see if they can help me. The second rep told me I owe {$2400.00} and that I was behind on whatever delinquent. Still no specific dates according to them that I missed. I will not make any payments until I find out what is missing and wheres my payments going to since I been mailing them through money order and express mail. I became frustrated because I felt like every rep I spoke to didnt want to help me, so I hung up the phone. Please help me out.

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 2019-07-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One failed to removed hard inquiry from all three credit reports. Continue to follow up with Capital one and XXXX. Credit Inquiries remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capital One Platinum Card My payment is due on the XX/XX/XXXX of each month, I paid on the XX/XX/XXXX on Capital One website, they issued a late payment fee on the very same day, this company is fraudulently churning millions of customers accounts with deceptive terms of service and advertising. XX/XX/XXXXThey are posting payments made on their website on the XX/XX/XXXX as the XX/XX/XXXX after a certain time of day, when it is still the XX/XX/XXXX, this is part of their great fee ch
urning in the same fashion as XXXX XXXX was convicted for.

An example of the major fraud they are running is something their computer software did to me about a year ago, they actually charged my account a late fee on the XX/XX/XXXX, 1 day before the payment was even due. 

Since their software has charged my account a late fee 1 day before the payment was even due, this tells me that Capital One is fee churning customers for late fees as a cash flow profit center. 

So Capital One is using computer programs to fee churn, they need to be investigated for fraudulent fee churning as they are ripping off millions of accounts with flawed computer software that is assessing fraudulent charges to millions of accounts every year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY
State: MT

Complaint narrative:
I have never been over 30 days late on my car loan with TD AUTOFINANCE. TD AUTOFINANCE STARTED CALLING MY JOB ON A DAILY BASIS DURING XX/XX/2019. I told them to stop calling me at work but they continued and eventually stopped calling me at work and know the call me on my cell by making their phone number pretending it's a phone call from someone in my area code. Days of the calls are the following ; XX/XX/2019 3 times XX/XX/2019 4 times XX/XX/2019 3 times XX/XX/2019 5 times XX/XX/2019 1 time ETC .... 
ETC .... 

I MAILED TD AUTOFINANCE A LETTER TO CEASE AND DESIST IN XX/XX/2019 & TOLD A REPRESENTATIVE ON THE PHONE THE FIRST TIME I SAW THE MASKED NUMBER THINKING IT WAS A CALL FROM A FAMILY MEMBER OR FRIEND. TD AUTOFINANCE HAS NOT GRANTED MY REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX failed to removed hard inquiry from all three credit reports. Continue to follow up with XXXX XXXX and Transunion. Credit Inquiries remain.

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 2019-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Google Compare Credit Cards Inc.
State: WI

Complaint narrative:
On XX/XX/2019, I received an email regarding a debt I forgot I owed to XXXX from XXXX XXXX at XXXX XXXX XXXX. They stated I have an outstanding balance and gave the amount, then gave information on how to log in and resolve my balance. 

This wouldn't have been a problem, however, in this email, they CCed 15 other email addresses. Some of these email addresses were ones I used when I was XXXX years old,  which I have not touched for decades. Some were to family members. Others I did not recognize at all. 

This is a major violation of my privacy and I am overwhelmed and mortified that this information was released without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: NY

Complaint narrative:
I received a letter from a company called Dynamic Recovery Solution stating that I owed {$480.00} for a balance on a XXXX XXXX credit card ending in XXXX. I have two XXXX XXXX credit cards neither end in that number and both have zero balances. I went to XXXX XXXX and they have no record of it other than my two credit cards ending in different numbers. I have never received a past due notice nor has anything ever been on any of my three credit reports. I have had the same address for about ten years and same phone number and I have never heard anything from XXXX XXXX XXXX. I tried to contact Dynamic and not only were they rude but they informed me that they would obtain a judgement and I would have to pay more and that it would be better if I just paid the debt. XXXX  XXXX advised me to not do that and to file a formal complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXXXXXXcontinuestofurnishinquiresonmycreditreport.RequestedwrittenauthorizationandcompanyfailedtocomplyaccordingtoFCRAGuidelines.

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 2019-07-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX continues to furnish inquires on my credit report. Requested written authorization and company failed to comply according to FCRA Guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: Auto Trakk, LLC
State: PA

Complaint narrative:
Autotrakk placed an Hard Inquiry on my credit file XX/XX/2018. Requested company to supply information reasonings of hard inquiry. Company stated inquiry will be removed and still remain on my XXXX report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
XXXX XXXX  account..XXXX reported to the credit bureaus an outstanding bill after service was cancelled. I made numerous complaints to XXXX for poor to no service. XXXX broke our contract because it could not provide consistent serviceyet it tries to charge me and negatively reports me to the credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX placed an Hard Inquiry on my credit file XX/XX/2018. Requested company to supply information reasonings of hard inquiry. Company stated inquiry will be removed and still remain on my Transunion 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 explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received a letter from a company called XXXX XXXX XXXX stating that I owed {$480.00} for a balance on a Capital One credit card ending in XXXX. I have two Capital One credit cards neither end in that number and both have zero balances. I went to Capital One and they have no record of it other than my two credit cards ending in different numbers. I have never received a past due notice nor has anything ever been on any of my three credit reports. I have had the same address for about ten years and same phone number and I have never heard anything from Capital One Bank. I tried to contact XXXX and not only were they rude but they informed me that they would obtain a judgement and I would have to pay more and that it would be better if I just paid the debt. Capital one advised me to not do that and to file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
Greetings. 
In XX/XX/XXXX I saw an offer they made on the XXXX channel of an XXXX cell phone and cable. I called and they sent me the product. When I received the cell phone it was locked and could not be used. I immediately called the XXXX company and they told me to go to XXXX and return everything. About 2 months later in XXXX they began to send me invoices. I sent him the receipts that I had returned the equipment. XXXX sent my names to some collectors who have been calling me and harassing that they are going to hurt me on credit and that they are going to report to me. XXXX tells me that I don't owe them money but the collectors keep calling me every day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX. Furnished a XXXX XXXX on credit file on XX/XX/2018. Requested verification from bank regarding inquiry and no feedback.

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 2019-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2019, I placed a security freeze on my file with XXXX XXXX XXXX. 
On XX/XX/2019, I sent Equifax a certified letter requesting verifiable proof they have on file regarding the bankruptcies. 
On XX/XX/2019, I sent US Bankruptcy court a certified letter seeking information on how they report to credit reporting agencies. 
On XX/XX/2019, I received a letter from US Bankruptcy court stating bankruptcy court does NOT perform any activities with the credit bureaus. 
On XX/XX/2019, I received a copy of Equifax investigation report. Equifax stated the information, I disputed was verified that the public record item is reporting correctly. Equifax obtained information from local, state and federal courts through a third-party vendor, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: Diversified Consultants, Inc.
State: MD

Complaint narrative:
Diversified Consultants Placed item on my account in reference to XXXX. This account is not mines. Submitted documents to XXXX XXXX department and received no feedback. Requesting total removal from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM A VICTIM OF ID THEFT. I HAVE ATTACHED SUPPORTING DOCUMENTS TO MY ASSERTION. PLEASE REMOVE THE ITEMS CATEGORIZED IN MY FTC REPORTS.

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 2019-07-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: WI

Complaint narrative:
Around XX/XX/XXXX, I contacted Sallie Mae about having difficulty keeping up with payments on my student loans. At the time, I was living in my ( then boyfriends ' ) parents house rent free and substitute teaching. If I were to have worked every school day that year, I would have earned around {$23000.00} ( before taxes ) for the whole school year, I was on my parents ' health, car, etc. insurance and I didn't even own my own car. I was not aware of any income-based repayment options for my loans ( I looked and was on income-based repayment for all of my other student loans ). I had also called them around XX/XX/XXXX to see if there was any income-based repayment available and was told no. 

When I called Sallie Mae in XX/XX/XXXX, I told them I was having a hard time keeping up with student loan payments ( I believe the payments for just my Sallie Mae loans totaled over {$1200.00} a month at the time ). I had not had any late payments and I was told by the representative that there was nothing they could do to help reduce the payments and that I would have to go into default by missing a payment before they could look to see if there was anything they could do. They were clear that there was no guarantee that they could even help me if I went into default. After hearing this, I also questioned them why the interest rates on their variable rate loans had gone up so much ( nearly double ) while another private, variable rate student loan with another lender ( taken out at the same time ), had barely changed. They told me that they were keeping up with the market rates. When I did finally get my last loan out from them, the interest rate had hit 11 % while that other variable rate student loan with the other vendor remains around 5 %. 

My parents ended up bailing me out by lending me money to cover a couple of the Sallie Mae loans so I could afford the payments. Recently, I refinanced the remaining loans with my husband cosigning so I would no longer deal with Sallie Mae. In the end, I have a fixed rate loan with about the same monthly payments, and I will have it paid off in 1/2 the time Sallie Mae was showing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Made partial payment of {$1100.00} on XX/XX/19 and a second payment of {$1100.00} on XX/XX/19 to cover my payment amount of XXXX. The company states they no longer take partial payments but would correct my XX/XX/XXXX payment accordingly. I have called over 20 times and have been told repeatedly the issue is being handled. It has been 29 days and its still not resolved. The company is my loan care/ loan care llc out of  XXXX XXXX va.

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 2019-07-29 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: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
On my first complaint I asked this company to validate this debt because I need to know whos account this is before I make any payments on it. This company is claiming that I made a {$20.00} dollar payment arrangement with them on XX/XX/2016 and that they spoke to my daughter on the phone because I do not speak English. First of all I do speak English very well and second I did not make any payment arrangement with anybody in this company, this company is telling me that two {$20.00} dollar payments were made by me when I fact I have never made any payments to them. One payment on XX/XX/2016 and another payment in XX/XX/2016, I want the original contract from this company bearing my signature on it, I do not want any statements or any itemizations like they told me that they are going to mail to me, I know what the FCRA says and an itemized piece of paper or any statements is not enough to validate a debt or this debt for that matter. Like I said this company and the hospital where this debt came from are breaking the law by sharing personal health information. I want this account expunged from this companys files and deleted from all credit reporting agencies that it is being reported to now. I need the original contract bearing my signature that obligates me to pay this company or delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I am victim of Identity Theft. Someone tried to open many credit card accounts with various banks. All accounts are closed and removed from my credit report except HSBC BANK. I had filed FTC complaint Report # XXXX providing details of HSBC bank along with account details. I had sent dispute letter to HSBC bank dated XX/XX/2018 stating I am a victim of identity theft and I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). 

HSBC bank has not taken action to remove disputed credit card details from my credit report. Details of the account are as follows : Account Name HSBC BANK Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/2018 Credit Limit {$2700.00} Kindly ensure HSBC Bank gets all the details pertaining to my account removed from my credit reports.

Company response to consumer: Closed with explanation