vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Avadyne Health Holdings, Inc
State: NC

Complaint narrative:
Upon reviewing my XXXX, XXXX  and XXXX  credit reports, I noticed a debt which has not been validated, reporting by a collection agency I am not familiar with. After further review and upon visiting the NC Department of Insurance website I realized not only is this not a company I'm familiar with, but they are illegally reporting me to the credit bureaus because they are not licensed to collect in the state of North Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MT

Complaint narrative:
Attempted to sent money via XXXX to our son via online ; XXXX  held our money for 30 days and then cancelled the transaction and said we could not send money via online anymore ; we send money to our son once a month, {$40.00} at a time, and now we are banned because flagged as fraud ; then we have to deal with third world customer service, who we can not understand over the phone, finally today over a month later were told the transaction would be cancelled and we would be refunded our money .... we'll see.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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: NY

Complaint narrative:
Hi I am contacting you because all 3 major credit bureaus have recently dropped my credit score due to fraudulent information being reported on my credit report. Let me first start by saying my name is XXXX XXXX and these accounts listed do not belong to me and are fraud I am a victim of identity theft and I want these account removed off my credit report at once because they do not belong to me and were opened with my consent XXXX XXXX XXXX XXXX XXXX/XXXX Also there are several credit inquiries that are also listed that are fraud and I want those removed from my credit report as well. These companies have dropped my credit score significantly do to this fraudulent activity and I want a accurate credit rating not one that's built on fraudulent credit ratio. Also the balance reporting on my XXXX XXXX card is wrong on XXXX and XXXX  because I paid my balance off in full so I don't owe them anything. 
Also my balance at XXXX  bank and XXXX XXXX bank, XXXX, XXXX  bank all need to be updated because all cards that I mentioned are showing inaccurate balances which is another reason my score dropped tremendously. And last but least this account XXXX Inquiry from XX/XX/2018 Is also fraudulent and does not belong to me and I would like it removed from my credit 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 2018-06-19 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: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below for my 2 Capital ONE credit cards ; [ XX/XX/2016 - 30 days late payment ; CAPITALONE XXXX ] [ XX/XX/2016 - 30 days late payment ; CAPITALONE 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 monetary relief
Consumer complaint received 2018-06-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
OnXX/XX/18 I sent out a certified letter to XXXX XXXX XXXX a collection agency who purchased my account with Capital One Auto Finance to dispute the account on my credit file. XXXX XXXX XXXX recieved and signed for the letter onXX/XX/18 XXXX XXXX XXXX failed to respond to my letter. So I sent out a certified letter to XXXX XX/XX/18 proving I tried to dispute the account XXXX  received and signed for the letter XX/XX/18. XXXX did their investigation and updated : data updates, data closed, and the remarks state : disp invg comp-report by grntr ; >unpaid balance charged off<. This has caused my credit to drop 19 pts because of wrong updating nor did they provide me proof of how the account was verified when the letter I sent specifically asked then to provide with proof as to who they spoke with and how they verified the account as accurate. XXXX XXXX XXXX is no longer on my report but Capital One is when XXXX XXXX XXXX bought the account. How is Capital One still reporting on my credit file as an active charged off account? This erroneous reporting has not only caused my credit rating to drop, but XXXX XXXX XXXX is still calling me asking me to set up payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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: URS Holding, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX I sent out a certified letter to XXXX XXXX XXXX a collection agency who purchased my account with XXXX XXXX XXXX XXXX to dispute the account on my credit file. XXXX XXXX XXXX recieved and signed for the letter on XX/XX/XXXX XXXX XXXX XXXX failed to respond to my letter. So I sent out a certified letter to XXXX  XX/XX/XXXX proving I tried to dispute the account XXXX received and signed for the letter XX/XX/XXXX. XXXX did their investigation and updated : data updates, data closed, and the remarks state : disp invg comp-report by grntr ; >unpaid balance charged off<. This has caused my credit to drop 19 pts because of wrong updating nor did they provide me proof of how the account was verified when the letter I sent specifically asked then to provide with proof as to who they spoke with and how they verified the account as accurate. XXXX XXXX XXXX is no longer on my report but XXXX XXXX is when XXXX XXXX XXXX bought the account. How is XXXX XXXX still reporting on my credit file as an active charged off account? This erroneous reporting has not only caused my credit rating to drop, but XXXX XXXX XXXX is still calling me asking me to set up payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Initial Dispute sent via certified mail was received from Experian Dispute Center for XXXX XXXX   XXXX collection Item for {$500.00} on XX/XX/XXXX via certified mail. 

Report # XXXX This report states the credit item XXXX XXXX XXXX was deleted and removed from credit report. 

I noticed on XX/XX/XXXX that this item reappeared or was re inserted on my credit report by Experian through my credit monitoring service. 

I contacted Experian on XX/XX/XXXX via certified mail to remove this item from my report since the FCRA states that the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion which in where i was never notified of reinsertion and why. 

Report # XXXX I received a reply from Experian on 6/18/18 with an updated report showing the XXXX XXXX  XXXX collection which still remains on my credit report. The status of the collection reads that " this item remains unchanged from our processing of your dispute in XX/XX/XXXX. '' This statement is inaccurate because this collection item was in fact deleted from my dispute inXX/XX/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 2018-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX doesn't belong to me on all the 3 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 2018-06-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My Name is XXXX XXXX, I receive my child support put on a " XXXX '' WELLS FARGO XXXX. The Bank charges inquiries on the balance of the child support card of {$1.00} by ATM, so I stopped requesting atm balance inquiry several years ago. I know that WELLS FARGO Customer service charges XXXX per phone call to customer service. They offer 3 customer service calls per month free of charge. So, I very rarely, call customer service - except for lost card circumstances. Which has happened twice in the past 7 years, I lost my card. and they replaced it. Wells Fargo would have charged fees on those accounts as well. 

I have been receiving child support for 15 years, as I have XXXX children. I have been using the automated system for my balance inquiry as I have {$170000.00} in child support arrears and I rely on the child support agency to collect the funds by bank and or wage garnishment. and sometimes my balance fluctuates. I use the automated inquiry system to make sure what I am purchasing does not get overdrawn. 

Wells Fargo never mails out any debit card statements by mail. I rarely, go one line to check the activity. Recently, I had reason to check my balances and history, as I had XXXX request evidence of the child support deposits into my account which I cashed through the ATM machine. To my surprise, I have been charged numerous times for balance inquiry XXXX per transaction for over 10+ years. I read the disclosures, no where does it state that when a child support recipient calls through the automated system to check balance inquiry they will be charged XXXX as if they are speaking to and calling customer service agent. 

This is very sad, and unreal. There are so many single parents who are struggling. and Wells Fargo as big as they are, charging for a automated balance inquiries under phone number XXXX. I've been a Wells Fargo customer for over 15 years at the XXXXXXXX XXXX XXXX location, there is no reason for excessive fees nor automated inquiry fees. 

The statement online customer service number for inquiry charges is XXXX always states your call can not go through, please try again or hangs up on 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 explanation
Consumer complaint received 2018-06-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX doesn't belong to me on all the 3 credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-19 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX doesn't belong to me on all the 3 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 non-monetary relief
Consumer complaint received 2018-06-19 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: IL

Complaint narrative:
XXXX XXXX should be off of my account as paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX should be off of my account as paid off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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: IL

Complaint narrative:
XXXX XXXX should be off of my account as paid off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I have been trying since XXXX to get an amortization schedule from Bridgecrest for my auto loan showing how my payments are allocated on my loan. I kept seeing a very high payoff quote online for my loan, near what I paid for the original loan. I keep getting conflicting information. Today I recieved a transaction history of my payments on my loan which clearly shows that they are not applying my payments correctly to my loan, including 3 payments towards nothing but interest on the loan. I have spoken to them several times about this and the foreign customer service is not understanding my complaint or requests for the payment schedule. I have made several payments well before the due dates to help keep the interest charged to me lower on a daily basis. Roughly around $ 10/day in interest. Please help me with what I believe is illegal practices on part of Bridgecrest. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
PORTFOLIO RECOV ASSOC is attempting to collect and is reporting to XXXX, XXXX and XXXX an unverifiable debt that i do not owe in the amount of approximately {$1800.00}, I never signed any contract, agreement or Document with PORTFOLIO RECOV ASSOC saying i owe this debt or agree to pay this unverified debt, i never gave authorization for PORTFOLIO RECOV ASSOC to obtain or use my personal social security number, Photo ID, address or phone number, i did not provide this company with this private and personal information therefor the debt does not belong to me and i believe PORTFOLIO RECOV ASSOC it attempting to collect on a fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
i did not authorize this company or any affiliates to pull or inquire on my credit report. I did not request service or nor did I try to obtain service with said company. I called company sent a letter as well as the XXXX XXXX XXXX XXXX. Please correct and remove the inquire off 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 2018-06-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
XX/XX/XXXX spoke with them several time explained situation and told them my next pay day left a message on my phone with them calling me a XXXX tried to speak with a manager he hung up on me trying to handle situation my bank account had fraud over the weekend told him when I could handle this matter would like to handle matter but insultins will not be acceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
i did not authorize this company or any affiliates to pull or inquire on my credit report. I did not request service or nor did I try to obtain service with said company. I called company sent a letter as well as the Transunion Credit Reporting agency. Please correct and remove the inquire off 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 2018-06-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo auto dealer services. Ive co signed for vehicle with primary joint holder and joint holder was responsible for making payments.. which was opened on XX/XX/2007 I was never made aware of account being in default.. Due to not having access I was receiving phone calls and being threatened to pay debt.. Which I had no knowledge of. The FCRA states any account thats over 11 years old or more she be considered no longer responsible and be removed off of credit 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 2018-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Tried to access XXXX app to play the lottery. Went to fund my account by signing in to capital one. Capital one is blocking access to my account and I can not fund my account. Not asking for much ... only a few dollars per week.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed an account on my credit file, it has been resolved by all but Trans union. It was reported paid in full XX/XX/XXXX, it was an auto loan with a total loss in hurricane XXXX. this item has been disputed in XXXX XXXX XXXX and XXXX and yet trans union still shows an open account. I had to purchase a used car and due to the XXXX balance I am paying 22 % interest and have not been able to refinance due to it still showing on my credit file. 
This is what it sows as of 10 minutes ago and it is costing me thousands of dollars that I want back due to there failure to correct this XXXX XXXX XXXX XXXX XXXX XXXX $ We Think You Could Save Last reported : XX/XX/XXXX {$22000.00} Good Overview You've paid off 26 % of the original amount. 
Balance {$22000.00} Highest Balance {$30000.00} Monthly payment {$490.00} Opened XX/XX/XXXX ( 2 yrs, 7 mos ) Term 75 months You have an estimated {$3600.00} in interest left on your car loan We think your 7 % APR may be high ( est. from your credit report ). Refinancing might help you lower your APR and save on interest.

See if you can save Payment History Youve made 100 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Current Worst Payment Status Current Account Details Account status Open Type Automobile Responsibility Co-signer Remarks -- Times 30/60/90 days late 0/0/0 See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX , TN 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 2018-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is an issue with hard inquiries on my credit report that I did not authorize. On XX/XX/18 an inquiry was made on TransUnion by a firm called XXXX XXXX and on XX/XX/18 on XXXX by a firm called XXXX XXXX . I have since found out this is the same company. I contacted TransUnion I was told to contact XXXX XXXX and they gave me the contact number of XXXX. The representative XXXX XXXX XXXX would have to offer a letter to have the inquiry removed. I contacted XXXX XXXX and the woman who answered the phone informed me they were a credit bureau and they didn't pull my credit and some other company did. The woman at XXXX told me they pulled a tri-merge report to all three major credit bureaus and I would have to contact another company who pulled my credit. I did not apply for any credit, I did not authorized any company to run my credit. XXXX XXXX is the entity listed as the institution that pulled my credit. I don't know who XXXX XXXX XXXX XXXX, I have never done any business with them and have never given them permission to make any inquiry on my credit. The only contact information I have is the above listed phone number and location listed as XXXX XXXX, Ca XXXX. Please have XXXX XXXX XXXX remove these hard inquiries.

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