vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Paragon Subrogation Services, Inc
State: WI

Complaint narrative:
On XX/XX/XXXX my vehicle was in an accident, I was nowhere near the accident. I had just given XXXX a week before the accident. I was transferred in an ambulance to a hospital that had the equipment to help my XXXX. The hospital is an hour and a half away and I was there for three weeks with my XXXX son. The person driving went through court dates, he is now in prison. I got numerous letters from the company trying to come after me for the money. They sent me letters saying they were going to take legal action if I do not make the payment in full ( XXXX XXXX ), then I got a letter stating that my license plates were going to be suspended if I do not pay. I told them the one responsible for the accident has everything on his case. They said that since hes in XXXX  and cant pay then I have to. They stated that in  Wisconsin both the owner and the person behind the wheel at the time are both equally responsible. I accepted that, I tried working with the company ( Paragon Subrogation ). I gave them a down payment of {$400.00} and started the paperwork. The lady said she was going to mail me the installment agreement so I could have it notarized and that it would arrive Monday. Nothing came in the mail, I called back and told them I had not received the paperwork. The same lady said that she had not sent them out yet, that she was waiting for them to finish the installment loan agreement. During that same phone call she said its ready and that she was going to email it to me at that moment, she stated that it would be in my email within an hour. I kept checking my email during work and I received nothing. To this day I have not received the installment loan agreement and my license plates are now suspended. Im sick and tired of going in circles with this company. I need my vehicle for work and to take my son to his appointments. I work for a company that requires some traveling and if I loose my job then I wont have any money. What really gets me is that after I gave the down payment and they said they finished the installment loan agreement ( which I have not received ). They are threatening the driver, his sister, and his mother after I made the down payment and started the paperwork. They went out and contacted them through email, our question is how did they get their information? His sister lives in a totally different state and theyre going after her for {$18000.00}. We did our research and found out there are other cases exactly like ours that have complained and nothing has been done and none have been resolved. 
If they have the drivers case information and are already going after him for the money. Then why continue to harass me and threaten me for the {$18000.00}?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
2 entries were placed on my XXXX  credit report from original creditor XXXX XXXX, handled by now debt collectot credit control in the amounts of {$560.00}, and {$1000.00} in XX/XX/XXXX, which bought my credit score down 50 points. I don't owe this debt and have asked for validation of this debt. I have not received!!! TODAY XX/XX/XXXX, they have placed yet ANOTHER entry on my report as an collection balance increase of {$150.00}, which bought my score down ANOTHER 25 points for the same unfounded debt for the same amount, I will attach all documents of this abuse. to keep hitting my credit report is UNFAIR and needs to be addressed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: VA

Complaint narrative:
This company is reporting inaccurate information on my credit report. They are reporting that this is account is open with XXXX XXXX but this account has been closed since 2016. I do not know what this account is and has seen it on my credit report. The two main federal laws that apply here are the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have no idea of this account and have not received any valid information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: OH

Complaint narrative:
THIS IS THE 3RD TIME I HAVE HAD TO COMPLAIN ABOUT THIS ISSUE OF FRAUD ON MY CREDIT FILE!! MY NAME IS XXXX XXXX  XXXX MY DOB XXXX MY SS # XXXX THERE IS SEVERAL FRAUDULENT ADDRESSES ON MY FILE PLEASE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX I was going to buy a car and I pulled up my Trans Union, XXXX  and XXXX   credit report XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION XXXX XXXX Fraud Student Loans that were not open by me nor did I give anyone permission to use my name to take out a loan. I found addresses that do not belong to me as well on my credit 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 explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LDF Holdings, LLC
State: NJ

Complaint narrative:
I had taken out two loans with this company, one on XX/XX/XXXX for {$700.00} ( total paid in full plus interest {$1500.00} ) and a second loan on XX/XX/XXXX for {$1000.00}. During repayment for the XX/XX/XXXX loan,  I was counseled that in NJ lenders must be licensed by the state in order to offer loans to its residents and prohibit lending at an excessive interest rate. In addition, it is illegal to provide any loans at a rate higher than 30 % in NJ. I reached out to the company to inform them that because of their practice the contract is invalid and since I had paid {$820.00} in excess interest rate fees, I revoked ACH withdrawal for my XX/XX/XXXX loan since the company was paid more than full. In response to my letter dated XX/XX/XXXX, the company claimed that they have tribal law immunities and can collect on this debt and requested a settlement of {$240.00}, which I denied because they had already been paid {$820.00} in excess fees. I sent a follow up letter dated XX/XX/XXXX, in which I did not receive a response. On XX/XX/XXXX, I received an email ( which I clearly stated in my XX/XX/XXXX letter that I am only accepting communication through regular mail ), stating that my debt is 120 days in collection and will be reported to the credit agencies. This company has already been paid in excess and should not be collecting on this account. They also refuse to follow consumer 's request method of communications, ignore requests, and threaten to place an account which I more than paid their company for with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: SC

Complaint narrative:
THE ACCOUNTS LISTED HAS BEEN REPORTING AS DEROGATORY ACCOUNTS ON MY CREDIT FILE. THOSE ACCOUNTS HAS BEEN TARNISHING MY CREDIT AND I WOULD LIKE THEM TO BE COMPLETELY OF FMY CREDIT FILE. THESE ACCOUNTS HAVE PREVENTED ME FROM ACQUIRING NEW CREDIT AND I AM IN DISTRESSED THAT THIS HAS BEEN GOING ON WITHOUT MY KNOWLEDGE UNTIL I RECENTLY UPDATED MY 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 non-monetary relief
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Recovery Management Solutions LLC
State: KS

Complaint narrative:
I have several back to back phones calls daily from this company. Then some how they got a company phone number that would not have been listed on any loan applications. I spoke with a lady here a requested that she not call my company phone and to refer all matters to XXXX XXXX XXXX. Then after a few days go by once again they called my company phone harassing me at my place of employment. I requested all information regarding this and I have only received a letter saying I owe money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc.
State: CA

Complaint narrative:
A CashApp account was opened under my name. I received a debit card that I did not sign up for. I tried to contact CashApp online by using the support link. Since I do not have an account with them, I can not contact them. I sent them a message on their official XXXX in regards to this fraudulent account. I have never been contacted. Today I received another debit card with another number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: OH

Complaint narrative:
THIS IS THE 3RD TIME I HAVE HAD TO COMPLAIN ABOUT THIS ISSUE OF FRAUD ON MY CREDIT FILE!! MY NAME IS XXXX XXXX  XXXX MY DOB XXXX MY SS # XXXX THERE IS SEVERAL FRAUDULENT ADDRESSES ON MY FILE PLEASE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I was going to buy a car and I pulled up my XXXX XXXX, XXXX  and Equifax credit report found XXXX XXXX # XXXX, XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION XXXX XXXX XXXX Student Loans that were not open by me nor did I give anyone permission to use my name to take out a loan. I found addresses that do not belong to me as well on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: OH

Complaint narrative:
THIS IS THE 3RD TIME I HAVE HAD TO COMPLAIN ABOUT THIS ISSUE OF FRAUD ON MY CREDIT FILE!! MY NAME IS XXXX XXXX XXXX MY DOB XXXX MY SS # XXXX THERE IS SEVERAL FRAUDULENT ADDRESSES ON MY FILE PLEASE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX OH  XXXX XXXX XXXX XXXX XXXX OH  XXXX XXXX XXXX XXXX XXXX OH  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MI  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I was going to buy a car and I pulled up my XXXX XXXX, Experian  and XXXX  credit report found XXXX XXXX # XXXX, XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX Fraud Student Loans that were not open by me nor did I give anyone permission to use my name to take out a loan. I found addresses that do not belong to me as well on my credit 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 explanation
Consumer complaint received 2020-02-25 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: CA

Complaint narrative:
On XX/XX/2020 I went to XXXX XXXX XXXX  in Downtown XXXX XXXX to start an application to refinance my home. After reviewing my credit I was denied immediately because of negative information on my credit. I did not apply or ever authorize any of these accounts to be opened under my name. I have never received or used any of these credit cards. I have never bought a vehicle from 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 2020-02-25 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: CA

Complaint narrative:
On XX/XX/2020 I went to XXXX XXXX XXXX  in Downtown XXXX XXXX to start an application to refinance my home. After reviewing my credit I was denied immediately because of negative information on my credit. I did not apply or ever authorize any of these accounts to be opened under my name. I have never received or used any of these credit cards. I have never bought a vehicle from 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 2020-02-25 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: CA

Complaint narrative:
On XX/XX/2020 I went to XXXX XXXX XXXX  in Downtown XXXX XXXX to start an application to refinance my home. After reviewing my credit I was denied immediately because of negative information on my credit. I did not apply or ever authorize any of these accounts to be opened under my name. I have never received or used any of these credit cards. I have never bought a vehicle from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: TN

Complaint narrative:
account was never my account and still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
This account belonged to XXXX  XXXX XXXX  and has not provided the correct balance regarding this account.I received a letter and a spoke with a representative sometime inXX/XX/XXXX-XX/XX/XXXX and was advised that all of the transactions were credited and that they did update my credit report to remove the late reporting for the fraud charges, agreed to close the account and issued permanent refund. Then I received a bill huge bill and I had no Idea of why. This merchant agreed to do a reasonable investigation for fraud that was done on my account. They removed fraud charges, agents advised that the credits were permanent. The company also sent a letter stating that the the past due history was updated and all fraud charges were removed. XXXX XXXX also agreed to delete the account. However, XXXX XXXX sold the account again and there is a claim that there is a balance of {$800.00} for a credit limit that was only {$400.00}. My fees and interest have not been properly issue doing the investigation and nor did they dispute all of the charges as being fraudulent. In XX/XX/XXXXthey did agree and removed the XXXX XXXX account but now there is a company that I did also advise that I should not responsible for this account due to the fraud that was done because the card was lost/stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: SC

Complaint narrative:
THE ACCOUNTS LISTED HAS BEEN REPORTING AS DEROGATORY ACCOUNTS ON MY CREDIT FILE. THOSE ACCOUNTS HAS BEEN TARNISHING MY CREDIT AND I WOULD LIKE THEM TO BE COMPLETELY OF FMY CREDIT FILE. THESE ACCOUNTS HAVE PREVENTED ME FROM ACQUIRING NEW CREDIT AND I AM IN DISTRESSED THAT THIS HAS BEEN GOING ON WITHOUT MY KNOWLEDGE UNTIL I RECENTLY UPDATED MY 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 2020-02-25 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: SC

Complaint narrative:
THE ACCOUNTS LISTED HAS BEEN REPORTING AS DEROGATORY ACCOUNTS ON MY CREDIT FILE. THOSE ACCOUNTS HAS BEEN TARNISHING MY CREDIT AND I WOULD LIKE THEM TO BE COMPLETELY OF FMY CREDIT FILE. THESE ACCOUNTS HAVE PREVENTED ME FROM ACQUIRING NEW CREDIT AND I AM IN DISTRESSED THAT THIS HAS BEEN GOING ON WITHOUT MY KNOWLEDGE UNTIL I RECENTLY UPDATED MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: CITIBANK, N.A.
State: VA

Complaint narrative:
The company agreed to update the past due history due to an agent error. They have given me a full credit towards the balance but failed to update the reporting. The reporting should be updated because the credit that was given was due to their own error and I should not have been reported late for XXXX and XX/XX/2019.

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 2020-02-25 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These items listed are not my accounts or I did NOT authorize these companies to pull my credit. Please remove them immediately.

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 2020-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These items listed are not my accounts or I did NOT authorize these companies to pull my credit. Please remove them immediately.

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 2020-02-25 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: NV

Complaint narrative:
These items listed are not my accounts or I did NOT authorize these companies to pull my credit. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had a Merrill Lynch credit card issued by Bank of America closed without my knowledge in XX/XX/XXXX. This card was first opened on XX/XX/XXXX. At the time there was a bonus offered after a certain spend requirement was met. I reached that spend and was awarded over XXXX points plus the amount spent which was another {$3500.00} i believe. 
On XX/XX/XXXX i was looking to book travel with these points only to find out the card was closed and all points earned were gone without my knowledge again. 
I immediately called Bank of America and spoke to XXXX who told me the account was closed due to inactivity. I told him i was never made aware they were going to close my account. I told him, Why would i let Bank of America close my account without using my points. 
He told me a letter was sent out on XX/XX/XXXX informing me to use the card or it would be closed. I never received this letter and had no knowledge this was happening. Again, i would have used these points if this was the case or put a charge on the card. 
I would like help in this matter.

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 2020-02-25 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Debts a result of identity theft that happened in XX/XX/2019. Police report was filed and taken to the creditor, which was then given back and marked as not needed. Account was then sold and additional fees were added. I told both the debtor and collection agency the accounts were compromised and they will not stop harassing me. Making threats to have a lawyer sue me. Spoke with police after paying back most of the funds and was told to stop making payments.

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