vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-30 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/2019, I mailed in a dispute to Experian, XXXX and XXXX Credit Bureaus to notifying them that I am a victim of identity theft. I provided my police report and FTC report filed for the identity theft. I requested that the fraudulent accounts be removed from my credit and the creditor be made aware of this discrepancy and the removal of this account from my credit report. When my dispute results came back, the fraudulent information was removed/blocked. On XX/XX/2019, I received a letter from Experian stating the account is now being reported on my credit report, again, because they receive information from XXXX XXXX XXXX stating it was my account, even after I provided all the information necessary to remove/block this from my credit report. My personal information was used to obtain this credit card and many other credit cards, lines of credit, loans and bank accounts. I have both tried working with Experian and XXXX to resolve this issue, so now I am taking it a step further to have this resolved as quickly as possible. This case is being worked on by my local police department, to possibly find out who is responsible for stealing my identity and fraudulently opening accounts using my personal 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 non-monetary relief
Consumer complaint received 2019-10-30 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
synchrony bank- pep boys sold my past account to a collection agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX. the collection agency said once I paid off the balance due, they would remove the charge-off then list the account as PAID IN FULL, not a paid collection or settlement. after paying off the balance, they refused to change the status from charge-off to PAID IN FULL, as agreed. I was informed they could not do it because they did not do the reporting to CRA. they said only synchrony bank-pep boys could remove or change the status. unfortunately, I did not record the conversation, as they always do. i reached out to synchrony bank-pep boys as the collection agency instructed me to do, they said there's nothing they can do. please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Lvnv is trying to collect for something I do not owe. I have asked for proof with my signature and they do not respond. This is a total scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I have received notification from Credence Resource Management LLC that I have 2 outstanding balances from XXXX XXXX XXXX. The first account, according to XXXX XXXX XXXX is for services at my former address of XXXX XXXX XXXX in 2015. I was no longer at that location in 2015. The second account, was supposedly for " new '' XXXX service initiated by me transferring service after the expiration of my contact. I have contacted XXXX XXXX XXXX asking for wording/documentation that this information is provided by them to the customer. To date I have not been provided with that information.I wrote a letter the XXXX XXXX XXXX The Office of the President, received one call from ( XXXX XXXX XXXX XXXX XXXX, prompt 1, prompt 1 then ext XXXX ) asking that supporting data for both outstanding accounts be provided and have not heard from her since. I have left her voice messages but no response. 
I do not owe XXXX XXXX XXXX for account number XXXX XXXX service 2015. I am requesting proof that I was advised that " new '' contract begins automatically after the old one expires.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Premier Student Loan Center
State: MA

Complaint narrative:
I worked with a company called Premier Student Loan Center. They honestly did a great job getting my payments very low. After almost a year and a half of paying them, I started to hear about how this company might be a scam and that I should probably look into it more. I reached out to my student loan lender ( XXXX ) and was advised to file a complaint because it did not appear to be legal/legitimate. 

I filed my initial complaint, here, through this website in early XX/XX/XXXX. I heard from Premier Student Loan Center on XX/XX/XXXX. They wanted to speak to me about my complaint. After our very thorough conversation, the gentleman I was speaking to offered to give me a refund going back to the date I started paying them XXXX XX/XX/XXXX ). He said it would be for a total amount of {$1600.00} and to look out for it in the mail in 5 to 7 days. My complaint on this website was updated from Premier Student Loan Center showing that as well. I closed out the complaint and was happy with their apology and my refund for the inconvenience. 

I received the check on XX/XX/XXXX, and deposited it that same day. The check cleared with my bank on XX/XX/XXXX. Over the course of a few days, I spent half of the money to pay various bills and expenses. On XX/XX/XXXX, I woke up to my account being - {$1000.00}. I called my bank right away and they were able to find out that the funds were returned due to a frozen/closed account. I called Premier Student Loan Center several times this day. The phone ring and ring and went to voicemail ( as a matter of fact, it kept saying to call back during normal business hours even though I was ). I also sent a follow-up email to the gentleman I was talking to ( on the XXXX ) asking about why the check was returned. I also called their bank that the check was written on and the rep said that all she can tell me is that the account is frozen and I need to reach out to the company that sent the check. I found out that the company written on the check was closed after doing a quick good search. As of XX/XX/XXXX, I have heard nothing back from Premier Student Loan Center in regards to this refund check. 

All in all, I believe that they sent out the check to make me happy enough to shut my mouth and to close the complaint that I had originally filed ( which by the way, they responded to by saying they will submit a client refund ). I truly feel like they sent the check knowing the account was closed and that I would never see that refund. Shame on them for scamming people this way. Do not do business with them. You are better off working things out with your lender directly.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-30 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: TX

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TOLEDO FINANCE CORPORATION
State: TX

Complaint narrative:
I have a loan with Toledo Finance. My payment of {$140.00} is due on the XXXX of the month. I am currently 15 days past due. They called me at the following times. 

XX/XX/19 XXXX XXXX XXXX left a voicemail asking me to return her call. 
XX/XX/19 XXXX XXXX XXXX left a voicemail asking me to return her call. 
XX/XX/19 XXXX XXXX XXXX left a voicemail threatening to call my references if I did not call her back. 
XX/XX/19 Someone called my husband asking for me to call them. 
XX/XX/19 XXXX XXXX XXXX left a voicemail reminding me of my promise to pay and telling me I will get a late charge if I did not pay today. 
XX/XX/19 XXXX XXXX XXXX left a voicemail threatening to call my husband because I did not pay on the XXXX as I said I would. 
XX/XX/19 XXXX XXXX XXXX left a voicemail saying she needed a returned call and she was calling my husband and I better call her back if I did not want her to call him. 
XX/XX/19 Someone called my dad asking for me to call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Im not allowed to receive personal calls at work and MidLand Credit continues to call my work number. I have contacted them multiple times to have them stop calling me at that number. It would stop for maybe a week, if Im lucky, then it would start right back up again. Its currently XXXX XXXX  and Ive received 4 phone calls from them today since Ive been at work. I got here at XXXX today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION
State: CT

Complaint narrative:
signed up for a XXXX mastercard back in XXXX of XXXX. Since that time I have had nothing but issues with this company. This card is by comdata and apparently operated under fleetcor technologies. 

The invoices are unclear and set up in a manner that is hard to follow. Access to the payment site is difficult. They were constantly trying to sneak hidden unauthorized fees into the billing. This began in XXXX of XXXX with what they called a fleetdash  fee of XXXX and continued for three months until I caught it. This happened again in XXXX of XXXX. We were enrolled without consent in a service they called fraud protector in XXXX. In XXXX they began billing XXXX per month. This went on for 5 months until we caught it and asked that the fees be removed In XXXX the fees had been credited back with but there was yet another mystery charge. This time it was called a high risk transaction fee for the amount of XXXX dollars. I held back payment in XXXX due to this as well as other issues with service and was hit with interest fees as well as huge late fees. 

On a XXXX approximate balance they charged : XXXX in interest XXXX late fee XXXX high risk transaction fee This all compounded by the next statement and we were unable to access the online portal to view transactions or make a payment. When they unlocked the account finally I made payment for all charges and interest minus late fees. They continue to compound interest and late fees on the initial fees that were unduly charged. I have made numerous attempts to resolve and have been unable.

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 monetary relief
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: MI

Complaint narrative:
I received a scam collection notice from MRS BPO, L.L.C. The mailing address is XXXX XXXX XXXX, XXXX XXXX NJ XXXX. The notice claims to be collecting a debt of about {$200.00} on behalf of XXXX XXXX. I have never used any XXXX credit products and do not owe any money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: States Recovery Systems, Inc.
State: UT

Complaint narrative:
States Recovery System # XXXX is reporting a collection on my account that I never received a notice for. This was put onto my credit without any warning and I only found out about it when I had my credit pulled. I went ahead and paid it and now I need the collection to be removed. They violated my 30 day right to dispute and this collection is now paid and I'd like it taken off credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
On XX/XX/XXXX, I visited my Primary Care Physical 's office for XXXX XXXX and XXXX. Total billing was {$220.00}. In XXXX, XXXX my insurance XXXX declined the claim as " administrative services are not covered '', thus {$210.00} of the billing was not paid by insurance On XX/XX/XXXX provider transfer the bill in the amount of {$210.00} to Collection Agency " Overton Russell Doerr '' On XX/XX/XXXX I paid provider the full amount of {$210.00} with my own credit card On XX/XX/XXXX, When XXXX  XXXX XXXX run my credit report with XXXX, it still shows that I have " a derogatory public record or collection appearing on my consumer credit report '' On XX/XX/XXXX when XXXX XXXX XXXX run credit report via XXXX XXXX, it shows, again " i have Derogatory public record or collection filed '' I have called Overton Russell Doerr many times requested documents about my account payment as well as status, I have not received any from them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: NY

Complaint narrative:
XX/XX/2019 XXXX Unethical and Fraudulent behavior from Chase Reps XXXX XXXX ( XXXX Female XXXXl age XXXX ) and Mohammad ( XXXX XXXX Male XXXXl age XXXX ) at then Chase Branch located XXXX XXXX XXXX XXXX XXXX NY XXXX Phone ( XXXX ) XXXX Given the Original Power Attorney to chase bank reps XXXX and XXXX XXXX and submitted legal copy of {$10000.00} CHECK JPMORGAN, It states you can use the ORIGINAL CHECK TO RESUBMIT. ITS BEEN 48 days since we requested for the REFUND CHECK. 
Complaint XXXX XXXX XXXX Other banking product or service Managing an account JP Morgan Chase XX/XX/2019 Open Sent to Company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I have sent several documentation to Equifax regarding my credit report the information is still on my report, ive provided mailing and documentation from the creditors and they still have not removed the information ive advised im a victim of fraud along with paperwork from ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a collection on my account that I never received a notice for. This was put onto my credit without any warning and I only found out about it when I had my credit pulled. I went ahead and paid it and now I need the collection to be removed. They violated my 30 day right to dispute and this collection is now paid and I'd like it taken off credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a collection on my account that I never received a notice for. This was put onto my credit without any warning and I only found out about it when I had my credit pulled. I went ahead and paid it and now I need the collection to be removed. They violated my 30 day right to dispute and this collection is now paid and I'd like it taken off credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I received a scam collection notice from XXXX XXXX, XXXX. The mailing address is XXXX XXXX XXXX, XXXX XXXX NJ XXXX. The notice claims to be collecting a debt of about {$200.00} on behalf of Paypal Inc. I have never used any Paypal credit products and do not owe any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This credit card company is corrupt I have a security alert which they refuse to verify me Im XXXX and they want me to got to a store when I cant XXXX this is discriminatory against the XXXX their is a very rude guy they tranfer me to XXXX they has he is the only guy to process credit card online applications For Neiman Marcus Im sick and tired of his lies he calls me and asks to speak with XXXX then he calls and asks to speak with me XXXX hes is crazy playing games

Company response to consumer: Closed with explanation