vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-10 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: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I have had repeated problems with Chase bank. In XX/XX/XXXX I was notified of a hard credit inquiry done by Chase on XX/XX/XXXX and I called Chase to find out what was going on as I had not applied for any credit. They said they would mark it as fraud and send a letter to have that inquiry masked on my credit reports. 

In XXXX I was going over my credit reports and noticed that the inquiry from XXXX was still showing and that there was now a second inquiry dating from XX/XX/XXXX. I called in and was told that they would send off a letter to have both of the inquiries masked. I received a letter confirming this on XX/XX/XXXX. 

This evening I received another alert from XXXX and once again there is a new hard inquiry on my credit report from Chase. 

I called them and was passed from person to person and finally spoke with the right department who said that the application came from XXXX. They assured me that they would deny the application and that they would send a request to have this inquiry also masked from my report. 

I find it very hard to believe that if someone has my information that there would't be other fraudulent applications being made through other underwriting institutions. Chase is the ONLY one to show up which leads me to believe that there are other problems at Chase that have nothing to do with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called XXXX XXXX XXXX and they did not have the amount that is reported on my credit report for {$100.00}. I wanted to make a settlement and have it remove off of my credit report but they could not help me. The name they have is my maiden name which is 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 2018-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
This is in regards to CFPB complaint number XXXX. You marked it as duplicate. This complaint is NOT a duplicate. The complaint is as follows ... 

I have several unauthorized ATM transactions on my PNC SmartAccess debit card. I filed a claim with PNC and it was apparently denied. I called to ask why and they said its because of previous spending pattern. I have no control over how or where a criminal used my stolen debit card. Now, you should also be aware that PNC alerted me to the fraud! They would only do that if the spending pattern was unusual. Now they change their mind because they dont want to honor their zero liability policy. The transactions Im disputing are {$500.00} from XXXX on XX/XX/2018, {$500.00} from XXXX XXXX on XX/XX/2018, {$500.00} from XXXX XXXX  on XX/XX/2018, {$500.00} from XXXX XXXX on XX/XX/2018, and {$500.00} from XXXX XXXX  on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Continental Finance Company, LLC
State: VA

Complaint narrative:
Today, XXXX XXXX XXXX left me a voicemail stating " I received an order in my office today to complete and process several pending matters. You are currently being investigated for. I will be verifying your current address and employer. '' I called them back to find out what it was for - They called from XXXX, but told me to call them at XXXX. When I called the woman who answered asked me to verify my SSN and date of birth. When I asked what company she worked for she said client resolution services. I asked what what this is in regards to. The woman responded an old debt from XX/XX/2015. She said that the last payment of {$100.00} was paid on XX/XX/2015. I said I thought that the XXXX made my account paid in full and I never used the card again because the interest was so high. I said that I disputed the debt until I received confirmation as to what I owe - if anything. She because aggressive and said that I defrauded the company out of many and said that if I didn't agree to a {$37.00} biweekly payment schedule than she would report me to their client as refusing to pay! I said I'm not refusing to pay, but need to ensure if I really owe anything. She said that I should already have it and asked if I would pay {$37.00} biweekly. I said not until I received a letter of what I owe if anything. She put another woman on the phone and the above conversation happened again. But this time, they said that they are going to sue me! Over {$200.00} really?!? They hung up on me. I called again and asked to speak to a supervisor ; they said one is not available. I asked for the address to the corporate office ; they said they would not provide it to me and hung up. Called again, and they hung up on me. And most of all, they didn't not tell me, " we are a debt collector and any information will be obtained for that purpose.

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 2018-07-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I called XXXX XXXX XXXX and they did not have the amount that is reported on my credit report for {$100.00}. I wanted to make a settlement and have it remove off of my credit report but they could not help me. The name they have is my maiden name which is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I received a letter ( see attached ) which at first glance appears to be a " final notice '' for some sort of loan. It isn't, it's a solicitation for a service from an ambiguous company ( " XXXX  '' ) to assist with an otherwise free, self-service process for federal student loan recipients. 

It includes information that is not publicly available and obtainable only through a detailed credit report ( " hard pull '' ) which may have caused my credit rating to drop slightly in recent months. This appears to be in violation of the Fair Credit Reporting Act.

Upon calling the company, two different call center associates claimed the information in the report was obtained from publicly available information. When I asked where this information was found, neither agent admitted knowledge of the actual source. I didn't get the impression that they were lying about not knowing the source nor realize that the information they are claiming is publicly available, definitely is not, and can only be obtained from a credit report. This suggests to me that the phone agents are trained by a company that knows the information was obtained from an illicit source. No more information about the company is available on the letter. There was not even a return address on the envelope, although the envelope was stamped " mailed from zip code XXXX '' and " U.S. Postage paid permit No. XXXX '' After obtaining and reviewing my credit reports from XXXX and XXXX, and following several obstinate phone interactions, I believe Chase Auto finance may have given information from, or access to my credit report to third parties for this sort of advertisement. Chase Auto Finance has been difficult to work with, failing to follow instructions given to them about my auto loan repayments over the phone, so I wouldn't put it past them to give out this information to third parties who are unauthorized to access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Razor Capital, LLC
State: MI

Complaint narrative:
Razor Capital tried to sue me for a utility account that I am not liable for. I sent the law firm they hired ; XXXX and XXXX, information about the identity theft case. I sent them information from the IRS, the FTC, the police department and all of the information they needed. They ignored the information and instead sent me the bill claiming that this was verification enough. They tried to get me to agree to a default in judgment and pay them 800 + dollars. I declined and responded with why I wasn't liable. I missed the court day due to an emergency health situation. I filled a motion to set the judgment aside with all of the original information they should have considered and taken a look at before. This debt is beyond the statute of limitations to even collect on a debt that is 7 years old. I will be filing a complaint with the FTC and the attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit rating is wrong. My score is XXXX my rating poor this is wrong. 
The score starts at XXXX top score XXXX. In the United States Of America. 
The math is simple 300-410 is a score. 411-521 is a score. 522-632 is a score.

633-743 is a score. 744-855 is a score. That is the American math system. 
The credit rating allowed by the United States Of America is Bad, Poor,  fair, good, excellent. If this is correct. The math is simple. My rating should read on my credit report fair with a XXXX score. My complaint is XXXX, XXXX, an Transunion has my credit rating wrong according to their allowed score of 300-850. It has a window of XXXX divided by bad, poor, fair, good, excellent you have XXXX in between the XXXX score and the XXXX score. My score falls in the line of fair and once it reaches XXXX my rating should read good. XXXX has a correct credit report but the rating is poor which is wrong. But they are the only credit reporting company with the correct 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 2018-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit rating is wrong. My score is XXXX my rating poor this is wrong. 
The score starts at XXXX top score XXXX. In the United States Of America. 
The math is simple 300-410 is a score. 411-521 is a score. 522-632 is a score. 
633-743 is a score. 744-855 is a score. That is the American math system. 
The credit rating allowed by the United States Of America is Bad, Poor, fair, good, excellent. If this is correct. The math is simple. My rating should read on my credit report fair with a XXXX score. My complaint is Experian, XXXX, an XXXX  has my credit rating wrong according to their allowed score of 300-850. It has a window of XXXX divided by bad, poor, fair, good, excellent you have XXXX in between the XXXX score and the XXXX score. My score falls in the line of fair and once it reaches XXXX my rating should read good. Experian has a correct credit report but the rating is poor which is wrong. But they are the only credit reporting company with the correct 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 2018-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
This complaint is in reference to the XXXX XXXX  entry Account Number:XXXX entry listed both on my XXXX and XXXX   credit reports. I have contacted XXXX XXXX  several times viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e. something with my signature. 
As per FTC opinion letter from Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or an itemized document does not constitute verification. I am challenging the accuracy, compliance, and reportability of the listing. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims action. 
In the abscence of any such documentation I formally request that this information be immediately deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Nicholas Financial Inc.
State: GA

Complaint narrative:
From XX/XX/XXXX - XX/XX/XXXX I was charged {$89.00} per month for insurance coverage by Nicholas Financial. After providing documentation to the company showing that I maintained insurance on the vehicle during that period of time, fees for the insurance which had been applied to the principal amount on my loan were removed. I am concerned that the insurance fees totaling more than {$3000.00} affected the amount of interest that was charged on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This creditor is reporting a paid and closed account with a XXXX  balance as an open account paid satisfactory with a balance of {$19000.00} on my credit report. I called them to inform them and they had the audacity to tell me to send them my credit report to prove this so they can dispute it or Id have to give them permission to do a hard inquiry on my report to see that they are reporting this wrong. I refused both options of course because that makes no sense. In fact all Pen Fed has to do is report the account paid and closed with a XXXX  balance especially when they show the account was paid in full and closed on XX/XX/2018. Its that simple. Credit bureaus only report what creditors send them not what they want as its a violation of consumer protection laws just like the company here is in violation for reporting inaccurate information in an effort to discredit my credibility with others. If they dont stop reporting this account as open with a balance I ask that it be reported to the FTC and they be charged for the violation. Theres no reason for me to send them anything as my business as far as this loan goes is done with them. I have kept up my end so they need to govern themselves accordingly.

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 2018-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
This is a reocurring problem with Equifax and XXXX  allowing a Company named XXXX XXXX to every year update this collections account as current and partially paid on my credit reporting. They are reporting it wrong and against the fair credit reporting act. 
This account started in XX/XX/XXXX when I vacated an appartment and they agreed to take partial payment. They put it on my credit for paid less than full balance. I listed them on my banckruptcy as a debtor in XX/XX/XXXX. On XX/XX/XXXX, the United States Bankruptcy Court, XXXX   District of Oklahoma discharged my debts. XXXX XXXX XXXX is listed as a discharged debtor. I filed a dispute with Equifax. Yet, they allowed XXXX XXXX to continue to report this as an unpaid partial collection.In fact XXXX XXXX is showing they added it again XX/XX/XXXX as a partially paid collection with a note, Consumer disputes this account. This company needs investigated for continually going against the Federal Law and Federal Bankruptcy laws and needs fined so they won't continue to do it. 
Also Equifax and XXXX  need fined for allowing it to be falsely reported on my credit report. I recently was issued a credit card for 24 % from XXXX XXXX because of this lowering my score and showing as current debt instead of included in Bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Auto Trakk, LLC
State: DC

Complaint narrative:
This complaint is in reference to the Auto-Trakk entry Account Number : XXXX reflected on my XXXX  and XXXX XXXX credit report. I have contacted Auto-Trakk several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e. something with my signature. 
As per FTC opinion letter from Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or an itemized document does not constitute verification. I am challenging the accuracy, compliance, and reportability of the listing. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims action. In the absence of any such documentation I formally request that this information be immediately deleted from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
bank did allow me to withdraw XXXX from my retirement deposit for expenses leaving XXXX in my account now my ss check has been deposited but I cant touch it I owe rent money among other creditors and my credit rating is being destroyed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On Sunday, XX/XX/XXXX, I visited XXXX to view my free credit report. 

After clicking through various pages and inputting what appeared to be required data home address, social security number, debit card number, etc. I saw my credit report. 

On Monday, XX/XX/XXXX, I checked my bank account and saw TransUnion had taken {$21.00} out of my checking account. I called to ask why they did this, and they said I signed up for some monthly service that would bill me {$21.00}. They also explained that while my credit report was free to view, my credit score cost money to view.

At no point while entering my personal information to view my free credit report on www.annualcreditreport.com do I recall consenting to pay TransUnion any amount, never mind signing up for a recurring fee. I told TransUnion to cancel my subscription. 

Later, on Monday, XX/XX/XXXX, after doing a quick search to see if anyone else had encountered this problem, I found dozens of people retelling the exact same scenario on various websites. I called TransUnion again requesting a full refund of my {$21.00} in addition to cancelling my subscription. 

Both times I called TransUnion they agreed to my request and said I'd receive a confirmation email. Thus far, I've received no confirmation emails from TransUnion, and the money has yet to be put back into my account. 

From my perspective, TransUnion is tricking people into paying for a service by following the steps on XXXX. They are willfully conflating the free credit report with the non-free credit score. Again, at no point in time did TransUnion inform me that I was buying something from them while trying to obtain my free credit report. This practice seems outright deceptive.

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 2018-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
To whom it may concern : I have several collection accounts on my file from a collection agency named IC SYSTEM the accounts are as follows ( ). Please be advised that I am disputing these collections due to the fact that IC SYSTEM has not responded to my requests for debt validation within the required 30 days. I sent IC System letters requesting debt validation via certified mail using the following receipt numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. These letters were delivered on XX/XX/18, it is now XX/XX/18 and I have received XXXX communication in response to my validation request. I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with proper debt validation from IC System to collect these debts. Your immediate response is greatly appreciated.

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