vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
In response to a loan offer that came in the mail from OneMain Financial in late XXXX of 2019 my wife responded with a request for an additional {$6000.00} added to our existing loan of {$2600.00} in order to help us through the summer. 
On XX/XX/2019 my wife contacted Ms. XXXX XXXX, Sr.  Personal Loan Specialist from OneMain Financial, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, North Carolina XXXX. On the phone Ms. XXXX discusses with my wife providing us a new loan on our car that would fold in the present loan we have and provide us with a better interest rate. This option was attractive to us because my wife is a XXXX  and does not get paid over the summer vacation. The money would be used to help us make it through the summer and pay down some outstanding debts. 
My wife an I met with XXXX XXXX on XX/XX/2019 to discuss this option and sign the new loan papers. At know time during our meeting were we informed by Ms. XXXX that our existing loan of {$2600.00} would not be folded into the new loan request. We only became aware that the old loan was outstanding when we received a bill on XX/XX/2019 for {$480.00}. 
At present we have two outstanding loans with OneMain Financial, the new loan with a balance of {$17000.00} and monthly payments of {$480.00} and the original old loan with a balance of XXXX and monthly payments of {$350.00}. 
This was not our understanding of the facts of the loan we discussed with Ms. XXXX. We feel very strongly that Ms. XXXX " flipped '' us into a situation that is totally unsustainable. These two accounts will put us under extreme hardships unless we are able to get some relief. The contact information for XXXX XXXX is XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: TX

Complaint narrative:
Equifax breach has caused two items on my credit report to be inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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:
XXXX breach has caused two items on my credit report to be inaccurate

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 2019-09-12 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: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX breach has caused two items on my credit report to be inaccurate

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 2019-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Im behing in payments 2months planning on paying what behind an following month installments 1st XXXX 2nd XXXX I just cant pay till End of XXXX beginning of XXXX I dont even have money to put minuets on my phone only have Wi-Fi when available so unable to call to can get minutes to lnmv funding but plan on taking care of whats needed just behund money tight after move

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: NC

Complaint narrative:
I filed a dispute with Experian about a collections item from XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX. I provided documents from medicare showing that I was not responsible for these bills. They denied and redused to take this record off my credit report. The US government says I am not responsible so how can they seny this claim being removed

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 2019-09-12 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: CA

Complaint narrative:
On XX/XX/XXXX, I sent a request to Experion, through XXXX XXXX, to update info on my XXXX XXXX account, which was paid in full on XX/XX/XXXX but was still reflected on my XXXX XXXX report as unpaid. 

An auto response from Experion indicated I would be contacted within 24 hours. It is now XX/XX/XXXX, XXXX PST -- three days later. To date, I have not had a response, nor has Experion 's consumer credit website been updated and continues to show an unpaid balance on my XXXX XXXX account. 

Having this inaccurate information on my account adversely effects my credit score. I am in the process of applying for a mortgage and if my information is not updated within the next 24 hours, I will seek legal remedies.

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 2019-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: NV

Complaint narrative:
I have made several attempts to dispute incorrect information on my credit reports regarding XXXX. I sent several letters to all 3 credit bureaus as well as XXXX asking for this account to be removed from my credit bureaus. XXXX never responded to my complaints. They, nor XXXX, Equifax or XXXX provided proof that I ever had an account with their company but they all continued to report the account as accurate. I would like these companies to provide me with written proof of any contract that I ever signed with them. If they can not provide me with proof, I would like it removed from my bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: NV

Complaint narrative:
I have made several attempts to dispute incorrect information on my credit reports regarding XXXX. I sent several letters to all 3 credit bureaus as well as XXXX asking for this account to be removed from my credit bureaus. XXXX never responded to my complaints. They, nor XXXX, XXXX  or Experian provided proof that I ever had an account with their company but they all continued to report the account as accurate. I would like these companies to provide me with written proof of any contract that I ever signed with them. If they can not provide me with proof, I would like it removed from my bureaus.

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 2019-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: NJ

Complaint narrative:
There is a delinquent account on my credit report that does not belong to me, it was not opened by me. This account is completely unknown to me. 

The account name is : XXXX 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 2019-09-12 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: NJ

Complaint narrative:
There is a delinquent account on my credit report that does not belong to me, it was not opened by me. This account is completely unknown to me. 

The account name is : XXXX 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 2019-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: DE

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: DE

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-09-12 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: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I am a victim of identity theft and someone opened a fraudulent credit card account with Navy Federal Credit Union. I did not apply for any credit card account with Navy Federal Credit Union. The account is fraudulent and not my account. I been receiving harassing and threatening phone calls of profane, vulgar and abusive language, legal action, arrest, job loss, garnishment of wages, jail, prison, XXXX and XXXX XXXX from Navy Federal Credit Union Debt Collection Representatives which is frightening and a major violation of the Fair Debt Collection Practices Act under Federal and State law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX  XXXX XXXX is reporting fraudulent information to early warning services. when I disputed the matter instead of investigating it I was told that the information was accurate but was never given any type of proof to show though I requested it. When I contacted XXXX XXXX XXXX the fraud department told me that they only showed that my account was closed due to an overdraft, another guy left a voicemail telling me that they could not verify that it was me making the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: TN

Complaint narrative:
On XX/XX/XXXX, I received a copy of my credit report from XXXX credit reporting agency. That report stated the following, which was furnished by Ad Astra Recovery Services , Inc. of XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX, Kansas, XXXX. I proceeded to dispute the item. Upon completion of the dispute no changes were made to my report. On XX/XX/XXXX, I disputed the inquiry once again for the inaccuracy. Under the federal Fair Credit Reporting Act ( 15 U.S.C. section 1681 and following ), you are obligated to investigate requests within 30 days, and promptly give credit reporting agencies correct information if you find that information you have reported is incorrect or incomplete. This derogatory mark is wrongfully damaging my credit tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am a victim of identity theft and someone applied and opened a fraudulent Citibank credit card account in my name. The account is fraudulent and is not my account. I been receiving harassing and threatening phone calls of profane, vulgar and abusive language, job loss, garnishment of wages, jail, prison, XXXX XXXX XXXX from Citibank Debt Collection Representatives which is very frightening and a major violation of the Fair Debt Collection Practices Act under Federal and State law.

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 2019-09-12 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I am a victim of identity theft and some applied and opened a fraudulent America Express credit card account in my name. The account is fraudulent and is not my account. I never applied for for an American Express credit card account. I been receiving harassing and threatening phone calls of profane, vulgar and abusive language, job loss, garnishment of wages, legal action, jail, prison, XXXX and XXXX from American Express XXXX XXXX XXXX which is very frightening and a major violation of the Fair Debt Collection Practices Act under Federal and State law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am a victim of identity theft and someone applied and opened a fraudulent Chase credit card account in my name. The credit card account is fraudulent and not my account. I been receiving harassing and threatening phone calls of profane, vulgar and abusive language, job loss, legal action, garnishment of wages, jail, prison, XXXX and XXXX from Chase Debt Collection Representatives which is extremely frightening and a major violation of the Fair Debt Collection Practices Act under Federal and State law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: OK

Complaint narrative:
My complaint may seem silly to some people but, to me, it's serious and I can't get any help with it or even any acknowledgment that anybody has read it, and certainly no acknowledgement that anybody cares. 

It involves Banks and Credit Cards and phones. 

I can not use a phone. 

Specifically my complaint is with : # XXXX XXXX XXXX XXXX and their XXXX credit card ; Background : I opened a credit card account, without using a phone, via internet, approximately a year ago. I was satisfied with the credit card rules, regulations, fees, charges and internet operation until about XXXX months ago. At that time, for no reason, I was denied access to my internet credit card account. 

Every since then whenever I attempt to log into my account I enter the exact same information I opened the account with, { the same information I used for several months before they started this new XXXX } and I get this : " we can not verify your information. call this number or log into your account and send a secure email '' I have wasted several hours trying to find a way to contact somebody connected with my internet account and the best I have found is : call this number or log into your account and send a secure email. 

Through no fault of mine, I can not use a phone. 
I opened the account with out using a phone. 
I can not get access to my account with out using a phone. 
I can no longer use the credit card but they continue taking money from my checking account monthly, and I can not stop it. 
I can not even close the credit card account without using a phone. 

I repeat : I can not use a phone.

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 2019-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

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 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
Freanklin collection service trying to collect from me saying its debt owned to XXXX. ( I currently have XXXX services ). I called XXXX they said Im in good standing and dont owe them anything. Called Franklin collection and asked for more details on collection, they gave me XXXX account number. Called XXXX provided info and couldnt find any debt on my personal info nor with information given. XXXX advises me not to pay anything as I dont own any debt to them. Now Franklin has reported debt on my XXXX report 2 times in XXXX and 1 in XXXX ( which affect my score ) now I feel they I are just harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I tried to remove an address in Texas that I have never lived at with Experian. Address not removed.

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 2019-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I was shocked when I reviewed my credit report and found XXXX  days late payment on the dates XX/XX/XXXX, XX/XX/XXXX and XXXX  days late payment on the dates XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation