vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This complaint is against PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. This company continues to report inaccurate information to the credit reporting agencies. I have sent several letters requesting physical evidence confirming that I owe the company such debt, specifically any paperwork with my signature agreeing to pay such debt. Their response is either copies of some statement with my name on it ( which can easily be made with PDF editing software ) or simply a letter stating that I have to provide evidence to support that they are reporting false information to the credit bureaus. The burden of proof is on them but they refuse to provide the documentation I requested claiming that they received an electronic file when the debt was purchased. This needs to stop! This company has made a mess of my life having false, unverified information on my credit reports which is causing me severe problems in obtaining credit with a lower APR, higher insurance premiums, possibly loosing job opportunities by not being able to obtain a security clearance. I have, as a consumer, requested for validation of my debt on these accounts : XXXX, XXXX and XXXX and so far my requests have not been answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
I applied for XXXX XXXX XXXX XXXX. I was approved and denied financial aid. I was told to pick my classes and apply for loan. I ask them to look into my aid. After I attempt to get my book for the classes .To be told I had to buy the book out of pocket. I drop all the classes. To later get a bill and month later a bill from the collection company. I called Financial aid who agreed my aid was process wrong understood while I drop the classes. Advised me to all the student advisor to help me look into the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch
State: TX

Complaint narrative:
This company continues to report inaccurate information to the credit reporting agencies. I have sent several letters requesting physical evidence confirming that I owe the company such debt, specifically any paperwork with my signature agreeing to pay such debt. Their response is either copies of some statement with my name on it ( which can easily be made with PDF editing software ) or simply a letter stating that I have to provide evidence to support that they are reporting false information to the credit bureaus. The burden of proof is on them but they refuse to provide the documentation I requested claiming that they received an electronic file when the debt was purchased. This needs to stop! This company has made a mess of my life having false, unverified information on my credit reports which is causing me severe problems in obtaining credit with a lower APR, higher insurance premiums, possibly loosing job opportunities by not being able to obtain a security clearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Real Time Group, Inc.
State: TX

Complaint narrative:
From the onset of Realtime Resolutions  has provided false and inaccurate billing statements. Despite paying the agreed amount on time Realtime Resolutions continues to send me billing which reflects that I am behind on payments which actually I am not. This is more than frustrating as this is the third complaint filed to have an official audit of my account. Realtime Resolutions has committed fraudulent acts by sending correspondence which reflects payment up to date. But billing statements from the past four months that indicate that I am delinquent on payments which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/2018 Chase Account ending in XXXX XXXX fax This account should have a XXXX  balance, I owe nothing on it. All XXXX XXXX orders were either returned or were fraud. If there is a balance, which you show of {$290.00} and growing each month because you keep charging late fees and service fees with late fees I have emailed you over a dozen times and have copies of all those and your replies say you will reply within a few days and you do not! Everytime I email I save a copy of my correspondence and you are ignoring all of these. I have proved that all XXXX orders were returned and they refused to refund me. I have saved and sent you all of the tracking numbers via XXXX proving this. Why do you continue to ignore me? I am a XXXX person and can not talk on the phone most days but I am doing my best. What you are doing is not only rude, unprofessional but also discrimination against the XXXX. 

This balance needs to be XXXX. I owe nothing on this account. Please find any open charges and open a new dispute or fraud and clear it out. You can not continue to discriminate against me because I am XXXX and can only call in when I am not very sick. I am documenting all of my correspondence and your lack of a reply and action. If it is too late because of your mistake then you need to eat this balance and XXXX  it out, immediately. This is ruining my credit!! 

Please reply immediately. Please stop charging me late fees and other fees, when the balance should have been XXXX last year. 

I have written to you at least 12 times on this matter and I have yet to receive a reply. I am a person who is dealing with a XXXX  XXXX and have asked you communicate via email or snail mail, yet you havent, and you keep adding late fees and service charges. I am keeping track of every time I email or write or fax you. Please have a heart. You are ruining my credit. This needs to stop! Please forward to an executive in the Executive office. 


Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank is not handling a valid fraud case, and I have opened it four times and submitted supporting documentation and each time they ignore it. My balance is now {$5300.00} account ending in XXXX. I opened this account several years ago to pay for ONE semester left of XXXX XXXX and I finished that year and then my college accidentally charged me for another semester, even though I had already XXXX, finished my schoolwork, and XXXX. I have proven this with varied documentation from my university but Citibank refuses to help even though, by Law, they are bound to do so. 

I am now XXXX and living on XXXX. I have XXXX XXXX XXXX. Citi is reporting this account to the three credit agencies each month and they have ruined my credit. I have stopped paying on this account because these charges are not mine! I have been so sick that calling in is very difficult most days but I have been able to write emails, fax and snail mail letters, and in all I have sent about 31 and I have kept detailed records of each. Citi continues to blow me off and as a XXXX person this is discrimination. I need this account to be cleared off of the Charges that are not mine which is the bulk of the balance through XXXX, University XXXX XXXX XXXX. 

I have read through my legal agreement with Citi and it clearly states this is their responsibility to do. I have also talked with a XXXX lawyer who told me to start making complaints like this one to draw attention to the issue. 

Please help me. These are not my charges! I have proven 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 2018-08-05 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
LIST OF HARD INQUIRY THAT WILL NOT DISAPPEAR OFF OF MY REPORT XXXX XXXX  XX/XX/2018 TD AUTO FINA Finance XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 I bought a car on XX/XX/2018 and was told that the hard inquiries would not stay on my credit report. A month later these are still on my credit report and affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank account ending in XXXX with a disputed charge with XXXX XXXX of {$240.00}. Citi refuses to take my dispute seriously even though I have proven with documentation that this seller sent me the wrong supplements and I returned all of them and this is confirmed and I am owed a full refund. 

I need this removed. I am a XXXX person and on a limited income and can not afford to have my credit ruined because Citi won't help the situation in a professional way.

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 2018-08-05 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
LIST OF HARD INQUIRY THAT WILL NOT DISAPPEAR OFF OF MY REPORT XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 CHASE AUTO Bank XX/XX/2018 I bought a car on XX/XX/2018 and was told that the hard inquiries would not stay on my credit report. A month later these are still on my credit report and affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
LIST OF HARD INQUIRY THAT WILL NOT DISAPPEAR OFF OF MY REPORT XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 I bought a car on XX/XX/2018 and was told that the hard inquiries would not stay on my credit report. A month later these are still on my credit report and affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 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: NV

Complaint narrative:
On my credit report it states that I have two deliquient accounts with XXXX witch was sent to XXXX  XXXX XXXX XXXX with a balance of {$2300.00} on one on XX/XX/XXXX and the second one for {$260.00} on XX/XX/XXXX that do not belong to me and this is the first I have known of it and I filed a dispute with the credit bureau. 

Also there is two accounts that are also in collections from XXXX XXXX XXXX one for {$3300.00} on XX/XX/XXXX and the other one is for {$250.00} on XX/XX/XXXX these accounts are also not mine I have never bailed anyone out of jail and I filed a dispute with the credit bureau on these on XX/XX/XXXX. 

A bank account or credit card at XXXX XXXX  XXXX XXXX was opened in my name with a balance of {$600.00} as well on XX/XX/XXXX that was not me I have filed a dispute with the credit bureau on this as well on XX/XX/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 2018-08-05 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: NV

Complaint narrative:
On my credit report it states that I have two deliquient accounts with XXXX witch was sent to XXXX XXXX XXXX XXXX with a balance of {$2300.00} on one on XX/XX/XXXX and the second one for {$260.00} on XX/XX/XXXX that do not belong to me and this is the first I have known of it and I filed a dispute with the credit bureau. 

Also there is two accounts that are also in collections from XXXX XXXX XXXX one for {$3300.00} on XX/XX/XXXX and the other one is for {$250.00} on XX/XX/XXXX these accounts are also not mine I have never bailed anyone out of jail and I filed a dispute with the credit bureau on these on XX/XX/XXXX. 

A bank account or credit card at XXXX XXXX XXXX XXXX was opened in my name with a balance of {$600.00} as well on XX/XX/XXXX that was not me I have filed a dispute with the credit bureau on this as well on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 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: NV

Complaint narrative:
On my credit report it states that I have two deliquient accounts with XXXX witch was sent to XXXX XXXX XXXX XXXX with a balance of {$2300.00} on one on XX/XX/XXXX and the second one for {$260.00} on XX/XX/XXXX that do not belong to me and this is the first I have known of it and I filed a dispute with the credit bureau. 

Also there is two accounts that are also in collections from XXXX XXXX XXXX one for {$3300.00} on XX/XX/XXXX and the other one is for {$250.00} on XX/XX/XXXX these accounts are also not mine I have never bailed anyone out of jail and I filed a dispute with the credit bureau on these on XX/XX/XXXX. 

A bank account or credit card at XXXX XXXX XXXX XXXX was opened in my name with a balance of {$600.00} as well on XX/XX/XXXX that was not me I have filed a dispute with the credit bureau on this as well on XX/XX/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 2018-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
The contract dates, amounts and city are wrong and the warranty was not honored

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 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: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I lost my walet and there was my social secury number my greencar my ID 2 debit car and some money That was happened in XX/XX/2016 but now i have 4 credit repor  they stold me all my information and make lons and i have problems now

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Capital Enterprises, Inc.
State: CA

Complaint narrative:
In XXXX, I contracted with XXXX XXXX XXXX to spray my front and back yard for pest once a month. They knew that the gate to my back yard is always locked. I operated a XXXX from my home, so there was always someone at my residence to open the gate and give them access to my back yard. 

From the time I hired XXXX XXXX XXXX they kept charging me for services they did not provide. I told them them to knock on my door when they arrived to spray my yard, so I can open the gate. I also told them to leave a notice on my door, if no one answered the door. They never came to my door and never left any message that they were there for months. Then I started getting calls that my payment was past due. 
I told them that I was not going to pay them, unless they showed proof of the service I requested. They kept harassing me with phone calls. I have not lived at that address since XX/XX/XXXX, and these people are still harassing me to pay them and they know that they did not provide the service. They started by telling me I owed them XXXX dollars, after I told them that I was not going to pay for a service that they I did not receive. They have taken drastic measures by submitting my name to XXXX XXXX to collect {$260.00} from me. This company has submitted derogatory and erroneous information to the credit bureaus, tarnishing my name publicly. 

I reporting XXXX XXXX XXXX to you for you to stop them from pursuing this fraudulently collect debt they say I owe. Someone has to protect we the consumers from these vultures.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
I lost my walet and there was my social secury number my greencar my ID 2 debit car and some money That was happened in XX/XX/2016 but now i have 4 credit repor they stold me all my information and make lons and i have problems now

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 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: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I lost my walet and there was my social secury number my greencar my ID 2 debit car and some money That was happened in XX/XX/2016 but now i have 4 credit repor they stold me all my information and make lons and i have problems now

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I paid for a XXXX service threw XXXX once the customer recieved the money i was. Blocked

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 2018-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Sears mastercard states in writing that they ran my credit without my prior approval and reduced my credit limit from {$6000.00} or {$4100.00} based on a fraudulent basis see their note below : Our review was processed by a credit scoring system that assigned a numerical value to various items on your account ( s ) with us and your credit report I never authorized them to re-run my credit report after the initial credit application this is 3 years after the account was opened.

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 2018-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The MASSIVE Equifax hack ( XX/XX/2017 ) exposed personal info for the umpteenth time to Hackers. Yet the CFPB & it's incompetent, do NOTHING head XXXX XXXX gave the company a pass and has done NOTHING, a la Trump, to PUNISH the executives @ Equifax who PROFITED from this massive invasion of consumers privacy. The total lack of action by the CFPB, XXXX and the Trump administration is CRIMINAL, to say the least. The government is NOT protecting our credit & financial information. This is total XXXX!!! We pay taxes to government agencies and they do little to NOTHING to help & protect the citizens. Absolutely NOTHING. I'll hire a consumer rights attorney specializing in Credit to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXXXXXX XXXX put on my credit XX/XX/XXXX from XXXX XXXX for a total of {$1300.00}. And another XXXX of {$1700.00} XX/XX/XXXX. These are not the original amounts of debts that I owe. And Ive never did business with XXXX XXXX. Ive asked them to verify and please delete with disputes letters. And it is still on my credit. And is ruining my credit life. Ive also contacted them. Please delete. I have never done any business with this company. Aslo XXXX a collection for XXXX for XXXX XXXX XXXX. Ive conctacted and made payment arrangement with the original debt owners. So please delete these collections.

Company response to consumer: Closed with explanation