vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-14 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: AZ

Complaint narrative:
Hard inquiry on my trans union report no way to dispute on their website. 
From XXXX XXXX see 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 2019-05-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
I paid the property tax on XX/XX/2018 according to my statement and my regular installment was paid on XX/XX/2018. 
The Leasing company has been sending me bills saying that the total amount due is {$0.00} and when I contacted the billing dept on XX/XX/XXXX. I spoke with XXXX in customer service ( Finance Dept ) as per her I don't owe any payments this month. 
When I asked for Clarification, The taxes were applied to the monthly installment and I don't owe them anything. But the taxes are still due, I never received any statement or letter from them saying that my taxes are pending. 
When I asked them to correct this error, she said that this can not be done. 
If I my taxes are due, I should get a letter from them which I never received anything. 
They should at least fix my account and let me have my concise monthly statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: IN

Complaint narrative:
Equifax reported account right then turned around and changed it to report wrong and decreased score 49 point. The account is paid and I want my points back. It was their error.7

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: STERLING JEWELERS, INC.
State: VA

Complaint narrative:
For last 10 years I have received calls about a debt with kay jewelers that I never owed and was fraudulent after Kay jewelers sold debt to a collection agency over the last decade I have been contacted by multiple collection agencies trying to collect the fraudulent debt repeatedly I ask all agencies to verify proof of debt as I never nor will I ever shop at Kay jewelers and as expected no response from any to verify debt and no return call till another agency who has purchased the claim contacts me as of XX/XX/2019 I received a letter stating notice of bank levy from XXXX XXXX XXXX XXXX but was never sent any correspondence to allow a defense against a bank levy for a fraudulent debt the letter contained my name and social which is scary to know companies like this have it now thanks to original fraudulent creditor Kay jewelers I tried contacting XXXX XXXX XXXX XXXX to discuss bank levy mailer and only got a voicemail box to leave name and number left multiple message over last 30 days with no response tried to look up company online and couldnt find anything about this XXXX XXXX, CA XXXX based company XXXX XXXX XXXX XXXX I am tired of the constant harassment and uncertainty this matter has had me endure and would like to come to resolution as at this point I feel violated by the continuous attempts by debt collectors to collect this fraudulent debt that still to this date a decade later has not been verified by anyone or resolved and it has continued to be passed along from companies who tried to collect debt but sold debt once realizing that wouldnt be able to verify it for me being it is fraudulent debt owed

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
On XX/XX/2019, I mailed a certified letter to XXXX XXXX for validation of the auto account stating I owe {$21000.00} they placed on my credit report, which does not belong to me, I never open this account with them, its been over 120 days and no response back from XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XX/XX/2019 while checking out I applied for a Kohl 's credit card and was approved. I received the card 7 days later. Approximately two weeks later I received a letter from Kohl 's that they received a letter from me requesting the account closed because I never opened an account with Kohl 's. I wrote a letter to Kohl 's CEO Mrs XXXX that this was a mistake and this letter was fraudulent. In XX/XX/2019 I recieved a call from Mrs XXXX 's president, XXXX, that she was submitting this to the fraudulent department. I informed her that I was a innocent person of fraud and that my bank account was hacked. I suggested that this may be related to the hacking of my personal information with my bank account. Approximately one week later XXXX called me and said that my letter to Mrs XXXX and the letter requesting my account be closed were too similar and they were canceling my account. I informed her that there are millions of computers exactly like mine and I didn't write the closure letter. I reapplied for a Kohl 's credit card and was denied. I wrote a letter to Chairman CEO, XXXX XXXX on XX/XX/2019 about this matter. He never replied to my letter. I feel I was mistreated and accused of writing a letter to close the account that I never did. I feel they should reopen my credit card account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Last year, about in XX/XX/XXXX, I closed my XXXX account and returned the boxes because my wife opened another account to take advantage of some promotions. I paid my last bill and when returning the boxes I asked again about a balance pending to be paid, and they said I was up to date with my payments.

Last week, XX/XX/XXXX, I received a phone call from a lady claiming I needed to pay {$76.00} for a past debt with XXXX. I asked for clarification but she just said I needed to pay it right away or she will send me to collections. I told her I paid everything when I closed the account and she just said call XXXX  and talk to them. Then Hanged up. I called XXXX  and they said I was up to date with my payments. I asked to check in previous accounts and they didn't find anything. I thought that call was a scam, due to they didn't find anything in their system.

Today, XX/XX/XXXX I received a letter from Diversified Consultant Inc. stating I am in collection for that amount. I called and they said my credit was already affected. That is completely not acceptable!!!! If I owe the money I can pay it, but I would like to receive clarification about it due to the fact all other customer services agents were saying I was Ok with them ( XXXX  ).

Additionally, it is completely unfair to damaged my credit score for something I didn't even know I was owing. If I owe that money, I can pay it with no problem, but they need to fix my credit because now this record affecting my credit history and score.

I can assure you I never received anything from XXXX  on regards to this balance, otherwise I would have called them to find out about it and pay it. This is the main reason I am submitting this request, so they remove that from my credit history and fix my credit score. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: FL

Complaint narrative:
I ordered the cable and internet service with the XXXX XXXX XXXX   without a contract. I canceled the contract and they are charging me the equipment. I give the equipment and I will send you proofs. I did not give him the information of my social security I do not understand how they got it.

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 2019-05-14 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've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. I have filed a FTC report and contacted my local police department. I'm doing this on my own behalf. XXXX XXXX XXXXXXXX, 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 2019-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was forcibly given a contactless card by Chase in XXXX without being notified or asked beforehand. I have had this card prior to the advent of this technology. Chase refuses to let me opt-out. 

They absurdly claim that the cards can not be accidentally charged, yet O had this very thing occur today. When I called they would not reverse the payment because it had not posted yet. I should not have to spend large amounts of my time to resolve small payment disputes that are the fault of irresponsible decisions on the part of my bank. 

It would adversely affect my credit to cancel this card, so I am stuck at the mercy of this completely unnecessary and ridiculous decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
XXXX XXXX XXXX has 11 accounts totaling of {$8000.00} on my credit report for my soon from XXXX my son had nj family care Medicaid at that time and I cant even check with Medicaid to confirm the dates because I have not had custody of my son they cant even speak to me. My son has been in his fathers custody. This information is on my credit report I attempted to solve this issue with XXXX and they told me to work it out with the father so he can help me pay the debt the father has a restraining order on me and I can not work anything out with him. I am disputing this and will get a lawyer if this is not removed. I will be filling a police 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 2019-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Debt Counselors, LLC
State: TX

Complaint narrative:
Today I got another threatening letter from UDC, LLC XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX-XXXX-XXXX-XXXX ) telling me I owe money. I don't owe them any money because its 's a scam. I received a second letter the same day I received the threataning letter from UDC, LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX-XXXX-XXXX-XXXX ) and they want to give me a loan for almost the exact amount of money I owe the other company. Please, stop UDC, LLC from sending threatening letters to people that don't owe them money. Also, shut down XXXX to keep them from pretending to save people from fake debt by giving them real debt. A scam like this can easily ruin the life of someone that can least afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: UT

Complaint narrative:
I've been trying to fix the spelling of my name on my Equifax profile to no avail. 

My home purchase is currently in jeopardy because of this : I'm probably going to miss my closing deadline and lose a lot of deposit money. 

I finally was able to send them a fax with verification of my identify ( SSN card + drivers license ), and then I had to call them multiple times to initiate a credit dispute, each time it took about an hour speaking with a person who barely speaks any XXXX I tried to do this online, but those functions are currently broken on Equifax website. I even tried to pay them $ XXXX to access my credit report online - and that doesn't work too, the registration wizard is broken. Specifically " Step 3 : Identity Verification '' page has XXXX failures which prevent it from loading ... 

With credit dispute open and after I confirmed my identity over the phone a number of times, it still will take them " up to 30 days '' to just fix the spelling of my name! This is outrageous, it's been a week and I haven't heard any updates. Their website function to verify a status of the case is broken too, so I'll have to call again to check - and waste another hour of MY LIFE talking to them. 

Naturally, I'm not the only one experiencing such problems : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Oh and I forgot : they also leaked everybody 's data all over the Internet in 2017. 

This company is a disgrace. It needs to go, broken apart, restricted, taken over by the government. 

Thank you XXXX XXXX for dreaming this agency up. I have a lot of respect for you, for challenging the status quo on so many issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D&A Services, LLC
State: NY

Complaint narrative:
D & A services keeps calling me and sending me letters for some " XXXX XXXX XXXX '' debt I've never had - {$1100.00}. I wrote a letter and answered the phone one time stating such and to please stop contacting me about this. Additionally, that being on SSDI I couldn't even afford to pay this just to get it off my credit report and move forward. Suffice to say, I never received a reply and when I answered the phone the one time and said that I was hung up on. This particular company has a lot of negative complaints about it on XXXX on various forums and web sites. I only want this to stop and have it removed from my credit report. Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Kentucky Higher Education Assistance Authority
State: FL

Complaint narrative:
I have a consolidated student load balance that was refinanced in early XXXX with Kentucky Higher Education Student Loan Corporation. I had made monthly automatic fixed amount EFT payments over the first year of the loan. In XX/XX/XXXX and again in XX/XX/XXXX I made extra one time payments through the KHESLC online payment system with the intent of accelerating the payback of the loan balance. In XX/XX/XXXX, I received an alert from my credit monitoring service that my student loan balance had increased. I logged into the KHESLC web portal to determine what caused my balance to increase, and was surprised to learn that now EFT payment had been made in XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. 

I contacted KHESLC on XX/XX/XXXX. I was informed by XXXX that when you make a one time payment online, EFT is temporarily suspended and your due date is pushed out equivalent to the number of monthly payments the one time payment would have covered automatically. The only way to prevent that and continue with the scheduled EFT payments and make a one time payment is to either email or call into a servicing specialist first. I was informed I accepted this practice by signing up for EFT payments 14 months ago, and was also denied my request to have the payment I made back in XX/XX/XXXX and XX/XX/XXXX retroactively applied to the monthly statement balances and accrued interest credited. I also requested and was denied an escalation to a manager or supervisor to review. At no time during the online payment process was I made aware the one time payment would pause my monthly scheduled EFT payments, or given the option to choose whether or not I wished to pause or continue those payments. If desired, it would have been very easy for KHESLC to make me aware with a pop up or acknowledgement at the time of payment so I could take appropriate action to ensure my regularly scheduled EFT payments continued. 

I believe this to be a predatory lending tactic whereby KHESLC is able to increase accrued interest on the loan without the knowledge or intent of the borrower, in an effort to increase their profit. As a result I lost over {$300.00} of what should have been a payment on loan principle to interest. If not outright illegal, this practice is clearly unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY My problem is with the company Quicken Loans Inc. The company is reporting to me in the three credit  companies XXXX, XXXX and XXXX that the payment for the month of XX/XX/XXXX was not made before XX/XX/XXXX. The payment was made on XX/XX/XXXX. Quicken Loans alleges that the bank rejected it. I reject it because they sent it to the account of the XXXX XXXX that account is closed and I let them know. They say that after they sent him to the correct bank and he was cashed on XX/XX/XXXX. I'm not to blame for the mistakes of Quicken Loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: IL

Complaint narrative:
I accidentally made a cash app transaction that took money out of my bank account instead of my cash app. After that I logged out of my cash app for a few months out of frustration. When I came back to my cash app account, I couldn't add my credit card or send or receive money. But my money is already there. My account seems to just be frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
I disputed this debt and they sent me a medical bill in return, this is not verification of the debt and they are also disclosing personal health information without my consent. They are breaking the privacy law by releasing health information about the condition of my son. The privacy law is being broken by the medical care provider and the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Convergent Outsourcing Inc . 
Illegal collection Activity through US Mail Repeated collections letters Debt is over 18 years old.

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 2019-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
I was a consumer of the XXXX XXXX XXXX. I was issued a check attached to an informal letter with a very generic letterhead. My family and I had concerns about the validity of the check and deep concerns with depositing the check with my financial institution. The check was never deposited or cashed. I wish to have the check reissued in order to claim the redress pursuant to the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ). Case No. XXXX. 

I attempted to resolve the matter by speaking with the company at the following telephone number : XXXX. This number is different from the number list on the letter. Some research was required to find a valid telephone number. Once a number was located ( XXXX ), I first explained the issue to a young lady that explained that a supervisor will contact me. A follow-up telephone call was not received as promised. I contacted the company again and spoke to a male who identified himself as XXXX. XXXX simply stated that no more checks will be issued or reissued.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
On XX/XX/2019, I mailed a certified letter to XXXX/XXXX, and Radius Global for validation of the credit card account stating I owe XXXX  {$2300.00} and XXXX  {$2900.00} they placed on my credit report, which does not belong to me, I never open this account with XXXX/XXXX, Radius and XXXX, its been over 120 days and XXXX ( XXXX  ) only sent was bill statements attempt to show proof, no proof of signature which I requested. Radius Global never replied with the XXXX XXXX  collect account and now XXXX   ( XXXX ) is stating they have assign to Radius Global. I need Radius Global to show proof of both accounts by supply signatures.

Company response to consumer: Closed with explanation