vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-01 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: MI

Complaint narrative:
I'm on XXXX XXXX but for some reason you won't let me dispute the problems directly on the website but there are multiple issues 1. ) XXXX XXXX XXXX says I owe {$360.00} says original creditor is XXXX but I've never had a XXXX card as you can see there is no XXXX cards listed on my credit report I was a victim of identity theft a few years ago I don't know if this has anything to do with it or not but this account with this collection agency does not belong to me and if XXXX thinks that I owe money than they need to contact me I'm requesting this be removed from my credit report as soon as possible 2. ) There are two XXXX XXXX XXXX one says I owe {$2400.00} the second one says I owe {$6600.00} these were part of the identity theft that happened back in 2016 for the life of me I do not know why they're still being reported the accounts didn't belong to me whenever they were opened and they still don't belong to me they need to be removed from my credit report immediately unless you have some proof that they belong to me if you don't have any proof then remove them please as soon as possible 3. )  There is a closed XXXX XXXX XXXX account says that I owe {$5200.00} this was also part of the identity theft every other bank realizes that this account was not mine and it's been removed I do not know why it keeps getting reported so far at the bank has not been able to provide any evidence any signatures anything concrete that proves the account is mine everything they have is circumstantial doesn't really prove anything they have account statements well yes whoever the thief was was using the card of course you have account statements unless you have some proof I want this removed immediately even the police are aware that back in 2016 I was a victim of identity theft everybody was aware of it we're going on three years later and you still haven't fixed this I'm not going away until it gets fixed this account does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX I purchased a Truck that was financed through Santandar Consumer. The truck stopped working and they picked the truck up. Santandar then put the repo on my credit and sold the truck for the remaining loan balance. Santandar advised me that the loan balance was XXXX but would remain a repo on my credit and I understood. In XX/XX/XXXX I started receiving letter from attorneys stated I needed to contact them bc a Civil action had been filed against me from XXXX XXXX XXXX. in reference to this same santandar loan. This loan has had a XXXX balance since they sold they truck and recouped my loan amount. I also was never served or given any paperwork or documents in reference to this civil action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: Duvera Billing Services, LLC
State: WI

Complaint narrative:
On XX/XX/2019 at approximately XXXX I spoke with a customer service representative by the name of XXXX XXXX who set up a payment arrangement for an account held with XXXX XXXX XXXX ( Duvera ). XXXX XXXX assured me that with following through with the payment arrangement the account would stop reporting negative and any previously reported negative information would reflect positive, effective XX/XX/2019, when the company updated their reporting. I spoke with a representative today who told me that they will not honor the arrangement made between XXXX  and myself because it is not policy. Another representative stated they would " review '' the account to see what could be done. I made a significant sacrifice to make this payment arrangement under the contingency that the previous negative information would be updated to reflect pays as agreed since the so called missed payments would be moved to the end of the loan ( deferred ). I was made a false promise of improved payment history in an attempt to collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
A little over a month ago I opened an account at first Tech Federal credit Union about three weeks after opening the account I deposited a large check in the amount of {$21000.00} in my checking account before making this deposit I verified with a customer service representative from first Tech Federal credit Union if it was OK for me to make this deposit I was instructed that the hold would be seven days for the check, Immediately after making is the deposit I was restricted from my account and a very vague letter was sent to me that the hold would be for 60 to 90 days with absolutely no reason provided other than account Was restricted for activity which is a very vague explanation and absolutely no other reason provided. I have tried to contact the department the placed this hold However all my attempts have had negative results they do not except incoming calls the department that placed the hold.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/2019, I paid {$1600.00} on my card ending in XXXX. That was OVER half of the balance due. In a effort to decrease my debt to income ratio. I was shocked when on XX/XX/2019, I saw on my credit report that my credit limit was decreased {$1500.00}! To be clear, the credit limit decrease hit my credit report BEFORE the debt decrease has even hit my credit report. But that's not even the issue, I want my credit limit raised back to what it was. Clearly, I have the means to pay ( and has always paid ) and I feel betrayed by Synchrony that I can pay you all a lump sum and you all would decrease my limit in the same month so now I am back to where I started, with a high balance card with only {$46.00} to spend. If this complaint does not lead to my limit increased, I will simply cancel not only this card that I have with Synchrony but I will also cancel ALL of the cards I have with Synchrony ( I have at least 3, which I use all of the time ). I'm FED up and feel as if I wasted {$1600.00} and also my hard work has been wasted as well. If I knew I would have ended up with a high balance card anyways, I would have just paid the minimum balance and used that {$1600.00} to pay off other cards/bills.

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 2019-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
An American Express collection person named XXXX  at XXXX has repeated called me XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 3 times, XX/XX/XXXX - 2 times and XX/XX/XXXX - 3 times. He has also contacted phone numbers of relatives and people NOT related to me looking for me. He has called my grandmas XXXX  line, which I have never lived at and is very inappropriate when it is not a relative. He contacted my mother 3 times. He contacted my husbands uncle, who is NOT related to me. This is borderline harassment at this point. He can call me or my husband as many times. But reaching out to people who are not my relatives is unacceptable and totally violates my privacy. This should not be acceptable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01 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: NY

Complaint narrative:
I have no knowledge of some accounts on my credit report. I didn't even know about credit system since I got to this country in 6 years ago, until got separated from my husband and move out then I started receiving letter form companies about debts that I did not own or have knowledge of. 
I called these companies and told them that I did not open an account with them or have knowledge of any accounts. They assured me that the issue will be resolve because they couldn't or have any prove that it was me. 
They did close the accounts and I never received any letter again from them. 
Years gone by I ask told by a friend that I can sign for credit monitoring and keep track of my credit when I will did and discovered that those accounts were added to my credit report. I called the 3 credit bureau agencies numerous times and sent the letters three times and informed them that I have no knowledge of the accounts and they accounts doesn't belong to me. After several dispute they still have the accounts as open and collections without any prove. I asked for prove and they sent me a summary of monthly data of reports that was sent by these companies ( collections ). 
It is clear that these 3 credit bureaus are working for other companies and collections companies to put false information and false accounts into consumers like myself, to use their power to make me as a bad credit consumer. 
And what that means is that I will be force to pay for something that I have no knowledge of, to be able to get approved for any purchase of a car, a home and etc. They have refused to investigate, they have not sent me any prove, they have not deleted the fraudulent accounts and am asking for the intervention.

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 2019-02-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have no knowledge of some accounts on my credit report. I didn't even know about credit system since I got to this country in 6 years ago, until got separated from my husband and move out then I started receiving letter form companies about debts that I did not own or have knowledge of. 
I called these companies and told them that I did not open an account with them or have knowledge of any accounts. They assured me that the issue will be resolve because they couldn't or have any prove that it was me. 
They did close the accounts and I never received any letter again from them. 
Years gone by I ask told by a friend that I can sign for credit monitoring and keep track of my credit when I will did and discovered that those accounts were added to my credit report. I called the 3 credit bureau agencies numerous times and sent the letters three times and informed them that I have no knowledge of the accounts and they accounts doesn't belong to me. After several dispute they still have the accounts as open and collections without any prove. I asked for prove and they sent me a summary of monthly data of reports that was sent by these companies ( collections ).

It is clear that these 3 credit bureaus are working for other companies and collections companies to put false information and false accounts into consumers like myself, to use their power to make me as a bad credit consumer. 
And what that means is that I will be force to pay for something that I have no knowledge of, to be able to get approved for any purchase of a car, a home and etc. They have refused to investigate, they have not sent me any prove, they have not deleted the fraudulent accounts and am asking for the intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
BMW auto was totaled in XX/XX/2014 due to an accident. My insurance paid my loan in full in XX/XX/XXXX. BMW has been reported for 5 years that I was 30 days late and that it was in collections and part of a bankruptcy. I have attempted to resolve directly with bmw and credit bureaus with no result. I believe they are purposely doing this do I will have to pay more with following contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc.
State: VA

Complaint narrative:
Company making repeated harassing calls to my business ( XXXX XXXX XXXX, XXXX. ) after being told calls are to wrong person. Speakers allege they are calling on behalf of U S Department of Education. Callers demand personal identifying information and state they will continue to call until I disclose such information to them. Also spoke to Supervisor and asked that calls cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In regards to XXXX I called talked to someone at Sychrony Bank and they stated they did not need any additional information from me. 

I just want my record to reflect that I am seeking damages per : The Fair and Accurate Credit Transactions Act of 2003 ( FACT ) CFPB please document this as I will use my previously file cases as evidence of the violation. 

Thank you

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 2019-02-01 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In early XXXX I was shopping for a new vehicle. During this process multiple credit pulls were initiated and are now being reported without a permissible purpose of auto financing. I contacted the financial institutions initially on XX/XX/XXXX, when they failed to correct the situation I contacted the bureaus on XX/XX/XXXX. I also made an online dispute to Experian on XX/XX/XXXX and in two days they still responded stating that it was verified. They all responded that the inquires were authorized.

My credit score is being heavily affected because multiple ( predatory lending ) inquiries were initiated for the purpose of personal financing when I was actually shopping for an auto loan. These entries are being reported incorrectly and not one of these credit reporting agencies completed an actual investigation to validate this. 

XXXX XXXX is reporting hard inquiries without a permissible purpose for XXXX  ( XXXX  XXXX XXXX  XXXX  ) on XX/XX/XXXX and XXXX   XXXX on XX/XX/XXXX. 

Experian is reporting hard inquiries without a permissible purpose for XXXX  ( XXXX XXXX XXXX  XXXX  ) on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX  XXXX XX/XX/XXXX. 

XXXX  is reporting hard inquiries without a permissible purpose for XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. 

All parties involved are fully aware that continuing to report this is a FCRA violation and defamation of my character by portraying me to look as though I'm applying for multiple personal loans from various financial institutions.

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 2019-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have had to file two previous complaints against this company due to inaccurate information being reported on credit report. As of XX/XX/XXXX, when myself and a representative from XXXX XXXX called in on a three way phone call, due me attempting to refinance my mortgage once again, the representative had two simple questions : Payment History Date of Discharge of Bankruptcy Payment history was reported accurately but the representative from their bankruptcy department, XXXX, ID # XXXX reported that my discharge was in XX/XX/XXXX, not the actual date of XX/XX/XXXX. I even went so far as to ask the Wells Fargo rep did he not want to contact Ms. XXXX XXXX to ensure accuracy and he reported that XX/XX/XXXX was the correct date as per Ms. XXXX 's documentation. The representative then went on to read verbatim from Ms. XXXX XXXX 's notes that a work order had been submitted to the credit reporting department to go in and retroactively report my credit, even though Ms. XXXX had reported to both myself and her response to CFPB that they had been doing this all along, except for the period of XX/XX/XXXX thru XX/XX/XXXX. Also in one of the multiple letters I received from Wells Fargo, it was reported to me that as of XX/XX/XXXX, they would start the process of actively reporting. On XX/XX/XXXX it was reported to the three major credit bureaus that my account was closed and paid in full. I had to call in and ask for this to be addressed but at this point Ms. XXXX reports that Wells Fargo did not report that, I am to believe that the three major credit reporting agencies just randomly chose Wells Fargo and chose to list my account as closed and paid in full. Please find attached an active copy of a report pulled on XX/XX/XXXX, which clearly shows the last activity from Wells Fargo as being reported closed and then reopened again on XX/XX/XXXX. Also on this you will see that Wells Fargo has me listed in two different types of bankruptcies-a chapter XXXX and a chapter XXXX. The process of reporting my account paid in full and closed, then opening it back up and placing the balance has affected my credit score tremendously and has caused three of my credit cards, to lower my credit limits. Also please notein the Additional dates area of this same document, it clearly states, Bankruptcy XX/XX/XXXX, Closed date XX/XX/XXXX. I would like sanctions brought against this company.

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 2019-02-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: JTM Capital Management, LLC
State: UT

Complaint narrative:
" XXXX XXXX '' from XXXX XXXX XXXX left a voicemail on my phone on XX/XX/19 at XXXX XXXX  MST stating, " Yes, Hi. This message is only intended for ( my name ) with the last 4 of your social on this docket here ( xxxx ). This is XXXX XXXX with XXXX XXXX XXXX XXXX. We had a court docket delivery, it was a failed attempt today at ( my address ). You obviously have got to reschedule the summons. Contact your petitioning party directly to do so. The phone provided is XXXX. I would advise you to review the charges and allegations prior to signing. ( my name ), you have been notified. '' I do have the voicemail from this company saved on my phone if you would like a copy. 
He then proceeded to call my husband and informed him that he ( XXXX ) had issued a warrant for my arrest and was having me arrested and jailed for 3-5 years for check fraud. He got upset when my husband questioned who he was, where he was calling from, and what he wanted and hung up on him. 
I called the number back left in my voicemail and spoke with a XXXX XXXX who gave me the runaround for a bit but finally gave me the correct info on who the debt was for and the amount. I made arrangements to pay with a credit card the next day. I spent over an hour calling the original company ( XXXX  XXXX  ), the company they sold it to ( JTM Capital Management, that doesn't do payment processing ), the company they outsourced the payment processing to ( XXXX  XXXX  XXXX, who then outsourced it to XXXX for payment collection ), and was eventually transferred back to XXXX again to make sure this was a legitimate company because they were so unprofessional on the phone. 
When I called back the next day, as soon as my payment processed, XXXX gave me a confirmation number. I got halfway through asking for a receipt, and he hung up on me. The document they sent to my email is very unprofessional, something anyone could create on a home PC, with the required legal jargon photocopied on it. I emailed back asking for an actual receipt and have received no response. 
I also spoke with a man named XXXX and a woman named XXXX from this same company. At no point did anyone with this company ever identify themselves as a debt collector or go through the required script for FDCPA. This company is extremely shady and should be shut down immediately. They also have not reported to the original company that they have received my payment ; the account is still showing as owed the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: SC

Complaint narrative:
I have a collection on my account from a collection company ERC who claims they are collecting on behalf of XXXX XXXX XXXX. I have never had Services with XXXX XXXX XXXX. I contacted them and was informed that they don't have anything on record for me having a bill. I informed them that a collection is on my account in the amount of XXXX. I was informed to submit a complaint and file a dispute with ERC. I sent ERC a letter asking for PROPER validation and I got back the paper work that's included and doesn't make sense.They sent me what appears to be a billing statement from XX/XX/2013 that does not have account details. This collection is bogus and I want it immediately removed from my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation