vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-01 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to dispute the following information in my file. 

This item XXXX XXXX XXXX for {$340.00}, XXXX XXXX XXXX XXXX, and XXXX XXXX  Credit entries are inaccurate because I did not own any of these items charged to these accounts and I do not own any account listed as such. I am requesting that the item be removed to correct the information. 
Please review all of my supporting documents including letters to XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX. I do not owe this debt. XXXX has removed this info at one time. It was also transferred over to XXXX XXXX XXXX, XXXX, and XXXX XXXX at one point. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans. I do not have any of these accounts opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: GA

Complaint narrative:
I did - not Authorize / Authorizations the use of personal credit / view and/or open new accounts, IDENTITY THEFT VICTIM - EQUIFAX DATA BREACH ... 

^^^^^^^^^^Equifax IInfomation^^^^^^^^^!!! 
Inquiry details XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 ^^^^^^^^^^^^^XXXX^^^^^^^^^^^^^^!!!! 
Inquiry details XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Equifax Mort Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Bank XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$650.00} 30-59 Days Late XXXX XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$380.00} Credit Cards XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$2900.00} 30-59 Days Late XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$650.00} 30-59 Days Late XXXX XXXX XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$380.00} 90-119 Days Late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-01 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:
I did - not Authorize / Authorizations the use of personal credit / view and/or open new accounts, IDENTITY THEFT VICTIM - XXXX DATA BREACH ... 

^^^^^^^^^^XXXX IInfomation^^^^^^^^^!!! 
Inquiry details XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 ^^^^^^^^^^^^^XXXX^^^^^^^^^^^^^^!!!! 
Inquiry details XXXX XXXX Inquiry from XX/XX/2018 Utilities & Fuel XXXX Mort Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Bank Credit Cards XXXXNeeds Attention Last reported : XX/XX/2018 {$650.00} 30-59 Days Late XXXX XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$380.00} Credit Cards XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$2900.00} 30-59 Days Late XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$650.00} 30-59 Days Late XXXX XXXX XXXX XXXXXXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$380.00} 90-119 Days Late

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 2018-11-01 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: NC

Complaint narrative:
Five cards apparently fell from my wallet last Wed XX/XX/XXXX. I was notified first by XXXX ( XXXX   Mastercard ) that a transaction for {$4500.00} was attempted. They asked if I had the card ... and at that time I realized I did not. I noticed I was missing the five cards.. ( four credit cards and my Fidelity Debit card . The perp attempted with all four cards this transaction.. {$4500.00} ... at the XXXX store here at XXXX XXXX . All were rejected. Then they used my Fidelity VISA debit card ... without my pin.. ( apparently as a " credit card '' and the transaction cleared ... debiting the amount from my checking account. They then took the card to XXXX XXXX and made two additional purchases ..about $ 2K additional. 

So I am out over $ 6K now ... from a card I thought was supposed to be protected by my pin ... but was not. So that is my first issue. 

Then when I call the number on the card I am directed to the Fidelity Card Services team..they route me to the fraud department, that tells me that they will investigate and get back to me by mail in " 8 to 10 business days '' with a decision. 

I am concerned that this is not at all what I expect from the VISA brand and so search " Visa Debit liability '' .. and get this page from VISA assuring me that I should have no worries and that the financial institution will replace the funds within five days. 

XXXX XXXX XXXX This is directly counter to the " 8 - 10 business days '' that Fidelity 's team quotes me. I call back each vendor ... Fidelity shared that this is not their issue., that if I see this on Visa 's page I should take it up with Visa. Visa call center rep tells me that the page is not " false advertising as there is a phrase " for specific limits, consult your issuer '', at the bottom of the page. I am incredulous that he would make this statement ... as Fidelity is a major issuer ... so the rest of the claims on this page are patently false!

Please correct the false advertising of VISA ..and/or ensure that Fidelity step up it's service level to match what VISA is conveying as their expected service level. This is clearly deceptive advertising by both and a great dis-service to a once loyal customer to both firms.

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 2018-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: CO

Complaint narrative:
I received a letter in XX/XX/2018 from a Linebarger Goggan Blair & Sampson, LLP claiming I owed {$52.00} to " XXXX XXXX '' in unpaid tolls and charges. I do not habitually take toll roads so this struck me as odd. Further, I had never been contacted by " XXXX XXXX '' about any amount due so I was skeptical as to how I could be in collections with them. Also, the license plate listed as mine on the letter sent by Linebarger Goggan Blair & Sampson, LLP isn't anywhere close to what my actual license plate is. In fact, the plate number they listed doesn't even follow the naming convention used for personal vehicle license plates in my state. Another red flag! When I researched this " lawfirm '' online I found many accounts from other people of this being a scam and anyone who tried calling the number for the firm 's call center was met with extremely rude, unhelpful people who just wanted to weasel your personal information from you, as well as the money. Consequently, I am not comfortable contacting this " lawfirm '' myself and instead choose to submit this complaint with the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX is currently reporting and added a collection to my credit file without giving me a 30 day right to dispute notice. I have already filed a complaint with them, where they ADMITTINGLY state that the notice was sent to the INCORRECT address, where it NEVER reached me. I did NOT know about this debt until I checked my credit file, and I paid it as soon as I found out. They added this debt in clear VIOLATION of my 30 day right to dispute

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 2018-11-01 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: GA

Complaint narrative:
I did-not Authorize / Authorization the use of credit and/or view credit report, IDENTITY THEFT VICTIM - EQUIFAX DATA BREACH!!!!!!!!!!!!!!! 

@ @ @ @ @ @ @ @ XXXX @ @ @ @ @ @ @ @ @ @ @ @ @ Inquiry details XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Equifax XXXX Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Bank @ @ @ @ @ @ @ @ @ @ @ @ EQUIFAX @ @ @ @ @ @ @ @ @ @ @ @ Inquiry details XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did-not Authorize / Authorization the use of credit and/or view credit report, IDENTITY THEFT VICTIM - XXXX DATA BREACH!!!!!!!!!!!!!!! 

@ @ @ @ @ @ @ @ XXXX @ @ @ @ @ @ @ @ @ @ @ @ @ Inquiry details XXXX XXXX Inquiry from XX/XX/2018 Utilities & Fuel XXXX Mort Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Bank @ @ @ @ @ @ @ @ @ @ @ @ XXXX @ @ @ @ @ @ @ @ @ @ @ @ Inquiry details XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 XX/XX/2018

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 2018-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capital Management Services, LP
State: OK

Complaint narrative:
Contacted this agency to resolve a debt that i had with XXXX XXXX, I had called in to get an acct number and an address to where to send the payment, she wanted to know my whole history as to why i did not pay, when i will pay? I told her i just needed the acct number and address to send payments to for now, and that the reason i called. She just continued to ask, how much are you going to send and why were you not able to pay, and I kept telling here, i only need the address and acct number, she finally got to giving me that info but rudely just blurted the acct number and address so fast, assuming I am a speed writer, to which i told her that i wanted to speak to her manager .XXXX the manger who i should say was trying to be professional but was on some power trip trying to prove him self right by saying his rep was ok in how her dimenour was in bluurting out the acct and address, further telling me that his agent assumed that i was a speed writer. These agency 's really need to be held to a high standard, in life tings happen, people lose jobs etc and agency 's like this really look down on people, is my perspective. XXXX did say he was going to get with their compliance team within the organization but we all know where that is going ..

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 2018-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Beginning in XX/XX/2018 I requested validation of debt showing on my credit report from NCB ( see attach letter. ) I never received any validation of the debt from them but they continue to report to my credit report which is a violation of the Fair Debt Collections Practices Act. I have written to them three times subsequent to my first letter and they continue to ignore my requests to prove up the alleged debt. Even though they are showing a 0 balance they are referencing some sort of settlement which is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP
State: OR

Complaint narrative:
On XX/XX/2018 I sent a prepayment to the company that holds my reverse mortgage. I had to get the check, enclose a statement and then mail the check for the prepayment to them. They did receive it. 
I want to pay them monthly through my banks bill payment system, the way I automatically pay my utilities. The reverse mortgage company will not allow this ; I am required to get the check and manually mail it each month. My complaint is why can't they just accept these automatic payments from my bank like my gas or water utility company would? 
Why do I care? Because it is time consuming and I am busy trying to make a living so I can pay off this reverse mortgage so my heirs can have something.

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 2018-11-01 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: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I am writing to dispute the following information in my file. 

This item XXXX XXXX XXXX for {$340.00}, XXXX XXXX XXXX XXXX, and XXXX XXXX Credit entries are inaccurate because I did not own any of these items charged to these accounts and I do not own any account listed as such. I am requesting that the item be removed to correct the information. 
Please review all of my supporting documents including letters to XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX. I do not owe this debt. XXXX has removed this info at one time. It was also transferred over to XXXX XXXX XXXX, XXXX, and XXXX XXXX at one point. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans. I do not have any of these accounts opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: Conn's, Inc.
State: TX

Complaint narrative:
I am writing to dispute the following information in my file. 

This item XXXX XXXX XXXX for {$340.00}, XXXX XXXX XXXX XXXX, and Conn 's Credit entries are inaccurate because I did not own any of these items charged to these accounts and I do not own any account listed as such. I am requesting that the item be removed to correct the information. 
Please review all of my supporting documents including letters to XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX. I do not owe this debt. XXXX has removed this info at one time. It was also transferred over to XXXX XXXX XXXX, XXXX, and XXXX XXXX at one point. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans. I do not have any of these accounts opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: ERC
State: UT

Complaint narrative:
ERC is currently reporting and added a collection to my credit file without giving me a 30 day right to dispute notice. I have already filed a complaint with them, where they ADMITTINGLY state that the notice was sent to the INCORRECT address, where it NEVER reached me. I did NOT know about this debt until I checked my credit file, and I paid it as soon as I found out. They added this debt in clear VIOLATION of my 30 day right to dispute

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The account was under autopay at the end of my credit payments with XXXX XXXX XXXX. I called them numerous of times and they had said many times that it is being disputed on the credit report and it has not been disputed at all. All the payments during 2 years is all current. At the end of of the last payment, the company put late payment when it is current.

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 2018-11-01 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Beginning in XX/XX/XXXX I requested proof from Chase that I was ever late and why they are reflecting this account as charge off which is not accurate. ( see attach letter. ) I never received any documentation from showing either a signed appliction or a complete pay history., cies but they continue to report to my credit report which is a violation of the Fair Credit Reporting Act. I have written to them three times subsequent to my first letter and they continue to ignore my requests to prove up the information reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPL Recovery Solutions
State: CA

Complaint narrative:
JPL Recovery Solutions is a debt collector that has been calling my work at different clinics locations, family members, friends, and previous housemates claiming they are " doing research '' on myself. They have contacted family members several times and over the last week they have contacted my job three times ( XXXX ). I requested that they do not contact my work as they have my personal line, they stated the calls will not stop and they will continue to call me at work because they will be garnishing my wages, although I have not received any details of a lawsuit for garnishment of my wages. I requested that they send me the details of the debt they are attempting to collect to my address, and the representative took down my address and said they will be sending me details of the wage garnishment to my address at work, instead of my home address and hung up the phone before I could decline. Their calls are very harassing and disruptive of my work place. They have also given me various amounts of the debt I owe from {$18000.00}, {$16000.00}, {$4500.00}. I have spoken to XXXX at least XXXXhree times as well as two different supervisors. They have been rude to other employees I work with who have answered their telephone calls. I have no written documentation of these amounts despite requesting a letter confirming they are a legitimate debt collector or representative of the company that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am XXXX Lifetime, XXXX through California XXXX XXXX XXXX Retirement Lifetime Pension. 
On Thursday XXXX XXXX XXXX XXXX XXXX XXXX my pension funds to my close account in ending # XXXX and new account ending in # XXXX was implemented so my XXXX Pension would be directed and deposited and funds be available to me in my account # XXXX on XXXX XXXX. 

So l can purchase my Prescription Medications for my XXXX. 
Chase XXXX stated on recorded phone conversation on XXXX XXXX around XXXX or XXXX California time, that l have to wait for XXXX business days, so l can have my funds on my new account. 
Chase Bank administration has violated my XXXX XXXX Civil Rights Act under Department of Justice and this is a Discrimination and Retaliation against me as a XXXX Military Veteran. 
Chase bank administration shouldn't have to hold my XXXX pension funds for two days. 
They also placed overcharge fees on my new account. 
Very Urgent Matters

Company response to consumer: Closed with explanation