vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-08 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: Iron Capital Group
State: WA

Complaint narrative:
On XX/XX/XXXX, I applied for a business line of credit with Iron Capital Group. This was under the understanding that personal credit would come into account, however, still under the business entity and under the pretense that this would be like a loan, line of credit or one credit card for the business. On XX/XX/XXXX, I found out that this company ( Iron Capital Group ) applied for about 15 credit cards in my personal name. Opening up credit card lines with out prior permission. When requested a list of companies they submitted information to, they only provided piece mill information. Making a huge decrease in my personal credit scores. This came about when XXXX XXXX  from Iron Capital sent an email stating, " if the credit card company calls, don't tell them we did your application. '' wanting me to provide fraudulent information to the creditor. Then, created an email on their own behalf ( Iron Capital Group ) with out my approval to communicate with these credit card companies. Not knowing WHAT information they have provided on my behalf and if it is even fraudulent or fictitious.

THE BIG ONE : contacted existing personal mortgage lenders, with perfect standings, and changed contact information. this was discovered when the mortgage lender contacted me regarding a fraud alert.

When requested Iron Capital Group to cease and desist. Which they did not and requested a fee of {$5300.00} for their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I was billed from an merchant. Once I saw the unauthorized charge on the account and did not recognize the charge so I called td bank and they advised it must be fraud. They did not advise me of who the merchant is. They did not tell me who to call. They did not guide me in any way to show me if this was fraud or a dispute. They treated it as fraud and received a sales draft or a representment back stating I authorized this charge and sent me the documentation dated XX/XX/XXXX showing XXXX XXXX is for the taxes I was refunded when I made a purchase in duty free. They claimed I did not submit the form however I did. I was advised to drop the form into the blue box thats in the airport which I did do. XXXX XXXX does not have a phone number that I can call. The number is out of the country and the transaction is still a billing error. By the time I saw the documents I had already received a letter dated XX/XX/XXXX stating they had issued a credit to my account and the dispute was resolved in my favor. XXXX XXXX XXXX  XXXX I started getting collection calls saying I owed this amount. I contacted the bank and they advised they never sent the letter and I told them they did. After them investigating some more they said the letter was sent in error. I have been going back and forth with the fraud/dispute department manager XXXX XXXX who advised I was wrong for claiming fraud and I said no one told me who it could possibly be so if the bank cant tell me who they are then how would I know. She said there was nothing she could do. I was sent to collections. It effected my credit and I was charged interest and late fees. XXXX said the letter was an error. No one caught this error before I was sent into collections. I had to call them to tell them they sent me this letter months ago. I asked XXXX to speak to my daughter and they talked on XX/XX/XXXX. XXXX advised she would submit the escalation and we would have an answer within 7-10 days. No one has called us back. We called two to three times and my daughter left voicemails for her to call back and she has not. Td bank has mishandled this case and incorrectly sent my account to collections and has not been in communication as promised. The transaction is still a billing error since I did everything I was told to do per the merchants terms and conditions and they refuse to take this dispute or credit the account for the error

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I was notified by the Illinois Department XXXX XXXX XXXX that my personal information was stolen and XXXX gave me a year of credit monitoring. Fraud alerts were placed with the major reporting agencies. My credit reports were being monitored and no fraud accounts were opened or reported until I received credit report notifications from the 3 credit reporting agencies on XX/XX/XXXX regarding a new collections account from Security Credit Services for {$2300.00}. The original creditor is reported as XXXX XXXX. XXXX XXXX never ran a credit inquiry or reported any accounts on my credit reports until the collection account. XXXX has the collections account reporting last activity on XX/XX/XXXX. All 3 credit reporting agencies have the collections account reported on XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX and they had the wrong name, the wrong address, only the last XXXX digits of my SS number, incorrect phone number and email address. They also told me they would open a fraud case and have someone call me but I never received a call for them. I then filed a police report with the XXXX XXXX XXXX police on XX/XX/XXXX for identity theft. On XX/XX/XXXX I called Security Credit Services to get more information and made the mistake of giving my current address as of XX/XX/XXXX, recently moved. Then I received a letter in the mail from XXXX XXXX XXXX XXXX requesting information to send to Security Credit Services and stating that the account information was verified, although the name is incorrect. The letter also asked for more information including my signature, but I feel I am giving them too much correct information and after reading the reviews and complaints of Security Credit Services, I feel they may be creating a fake debt and again, nothing was ever reported, inquiry or account on my credit reports for XXXX XXXX. On XX/XX/XXXX I filed an identity theft report with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 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: EdFinancial Services
State: CA

Complaint narrative:
EdFinancial reports as late items that date from 2005 or before, when I left the XXXX XXXX at XXXX XXXX. I have taken out NO loans since then. Further, EdFinancial used private lenders before XX/XX/XXXX so all accounts have aged out and should be removed. EdFinancial is reporting these as late, which has destroyed my credit payment history, which actually is impeccable. 
Ed Financial tried to-age these accounts, some of which date from XX/XX/XXXX, in XX/XX/XXXX, when I was working steadily. This is illegal but apparently a common practice of EdFinancial. 

Hence, EdFinancial is not only reporting very old information ( some more than 20 years old ) as current, but they are refusing to remove all edfinancial data from my credit reports at all 3 bureaus. Reporting accounts more than 7 years old is a FCRA violation, but as indicated, all items are from XX/XX/XXXX-XX/XX/XXXXand NO later. Anything else is an attempt to re-age old debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
On XX/XX/2017, I received a letter from a company named Midland Credit Management formally XXXX XXXX about a past credit card debt that was sold to them by XXXX XXXX Bank. After I couldn't come to an agreement with XXXX XXXX I wrote a letter on Febuary XXXX to Midland Credit Management along with a check stating that this was payment on my account to have it paid in full and upon them cashing the check they agreed to remove any negative remarks off of my credit reports with XXXX, XXXX, and XXXX, and mark this as paid in full and if this showed up on my credit report as a collection they would take the necessary steps to remove it. As of today this has showed up as a collection on my reports and should be removed immediately. I will be enclosing the copied letter that I wrote and the copy of the check that I wrote to them in which they cashed it. I'm writing to you today because I don't think it's right for this company to report this on my credit reports which the agreement was which I stated above and I would like for this company to remove this from my credit reports immediately due to the fact it's hurting my credit. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-08 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: NY

Complaint narrative:
I lost my wallet in XXXX. I immediately filed a police report. Since then, information has appeared on my credit report that does not belong to me. I have requested copies of my original signatures from creditors and the credit bureaus, yet I have never been provided with such. Not only have accounts been opened, but some of them have gone into collections. I have done all I can to resolve this. Next Step will be a civil suit against all 3 credit bureaus for reporting false information. The accounts listed below DO NOT belong to me, XXXX XXXX, and should be immediately removed from my credit report! Thank you, 1 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$2100.00} 2 ) Date Opened : XX/XX/XXXX XXXX XXXXl XXXX XXXX - Balance {$20000.00} 3 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$11000.00} 4 ) Date Opened : XX/XX/XXXX XXXX - Balance {$1500.00} 5 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1000.00} 6 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1500.00} 7 ) Date Opened : XX/XX/XXXX XXXX - Balance {$190.00} 8 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$2900.00} 9 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1100.00}

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 2018-04-08 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:
I lost my wallet in XXXX. I immediately filed a police report. Since then, information has appeared on my credit report that does not belong to me. I have requested copies of my original signatures from creditors and the credit bureaus, yet I have never been provided with such. Not only have accounts been opened, but some of them have gone into collections. I have done all I can to resolve this. Next Step will be a civil suit against all 3 credit bureaus for reporting false information. The accounts listed below DO NOT belong to me, XXXX XXXX, and should be immediately removed from my credit report! Thank you, 1 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$2100.00} 2 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX - Balance {$20000.00} 3 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$11000.00} 4 ) Date Opened : XX/XX/XXXX XXXX - Balance {$1500.00} XXXX ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1000.00} 6 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1500.00} 7 ) Date Opened : XX/XX/XXXX XXXX - Balance {$190.00} 8 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$2900.00} 9 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1100.00}

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 2018-04-08 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: National Credit Adjusters, LLC
State: NY

Complaint narrative:
National Credit Adjusters reported a fraudulent account from XXXX XXXX on all three credit bureaus. They must have purchased the account and then reported it as accurate. This is a fraudulent account - National Credit Adjusters are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by reporting fraudulent information on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
it take me 2 years to get my credit up to score XXXX trans union bring down to XXXX i call trans union and talk to one of person and tell them about my credit report my credit score when down to XXXX and i tell them you guys putting inaccurate information on my credit report it took them 2 weeks bring my credit score XXXX on XX/XX/XXXX i check my credit score they bring it down to XXXX again last i tell them i am going to the sue trans union putting wrong information on my credit report now i want them to bring my credit score back to XXXX or i will take some kind action

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 2018-04-08 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: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
XXXX XXXX provided XXXX XXXX in the end of XX/XX/XXXX and incorrectly billed me {$900.00} in XX/XX/XXXX. After a discussion with XXXX XXXX the amount was eventually reduced to {$81.00} which was promptly paid in full on XX/XX/XXXX. In that short time, while waiting for the adjusted bill I was sent to collection. I have disputed the amount and status of the account with XXXX   who sent a request to the billing company, XXXX XXXX XXXX, who claims {$900.00} is still due!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
Credit Collection Service is STILL trying to collect a debt that was discharged in a bankruptcy!!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
cra violation with wells and much more ftc violation id theft overdraft fees and let someone compromise my account take money out without my knowledge ... .. 

obviously bank error and some kind of ID theft i'm not really sure too many activity that i can not 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 2018-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
We Are not able to make payments to the Principal of the Student Loan thru the Navient Internet Page???

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I obtained an auto loan back with ALLY FINANCIAL back on XX/XX/XXXX for XXXX. The car was involved in a hit and run back in XX/XX/XXXX. I informed them of the situation. When I spoke to one of their reps, after my car insurance paid off 97 percent of the loan, they told me I would not have to pay the remainder of the loan until XXXX but please be advised it would accumulate interest. When I received phone calls from them, I was informed that I was expected to continue to keep making regular payments because I didn't have gap insurance even though I was advised different. Ally Financial harrasses me Monday through Sunday with over 10 phone calls per day. They call after hours after XXXX XXXX Monday through Friday to harrass me as well even when I speak to them and tell them I am aware there is a balance on the account and I will take care of it as soon as I can. I do not return their calls anymore because if I do, I get even more harassment phone calls from them and more letters harrassing me with letters stating notice of intent to make negative report on mu credit in which they have now did. This is why I am coming forth to have them investigated so others can have record of their tactics. I am sure they got angry that they could not reach me so they decided to try and damage my credit. Thank you, 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 monetary relief
Consumer complaint received 2018-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Without my consent and without notification, my Kohl 's charge card was changed from paper billing to electronic statements. According to Kohl 's, electronic statements are not automatically sent to an email address. The consumer is supposed to know to log on to his/her account and look up the due dates, amount due and date due and then make the payment. As I use this card infrequently and for relatively low amounts, I was unaware of this situation. Now to my problem. My wife or I made a charge towards the end of XX/XX/XXXX. During that time, my mother came down with XXXX. I had to travel with her for several weeks to seek medical treatment. Unfortunately, she XXXX XXXX due to XXXX just after XXXX on XX/XX/XXXX. My wife and I had just returned from the hospital two hours from our house. Someone from the Kohl 's credit department called about the bill which, based on us being switched from paper to electronic billing without my consent, was news to us. My wife told the person from Kohl 's that we would pay it but that now was not a good time given that my mother had literally passed away hours before. I paid the bill the following day but Kohl 's submitted a late payment notice to my credit report in the 24 hours between when they called and when I paid the bill. I thought it must have been a mistake as my wife had explained the situation so she called back and tried to get the report removed from our credit report. In XX/XX/XXXX, I received a letter from Kohls Customer Service and Operations Center dated XX/XX/XXXX stating that they stood by their previous report to the credit bureaus. They have ruined my credit ( I was in the 800s before with zero issues and am not in the low 700s. ) I can not believe Kohl 's is that callous given my clean credit history with them since I have had their card. My account number is XXXX. My name is XXXX XXXX and I can be reached at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 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: ID

Complaint narrative:
Experian has inaccurate credit data in my credit file and has been providing erroneous credit scores to potential lenders. Experian is inconsistently reporting my credit score depending on who the requestor is and the purpose of the request. In XX/XX/XXXX, Experian communicated my credit score as being XXXX to XXXX. In XX/XX/XXXX, Experian reported my credit score was XXXX to XXXX, who reported to XXXX.

On XX/XX/XXXX Experian reported my credit score to be. On XX/XX/XXXX, Experian reported my credit score to XXXX as being XXXX. Because of Experians preferential credit score reporting, I have been declined twice for a home loan and incurred additional points off my credit because of the multiple lender inquiries. If I had though my score was a XXXX, I wouldnt have applied for any type of loan.

Additionally, Experian has failed to correct my credit report with accurate information, regardless of my numerous attempts. There is even an account ( XXXX XXXX - student loan ) that Experian is showing as a negative account even though the loan was paid off and states paid as agreed. That account is over 7 years old, so if it was negative as they have classified it, it should have been removed.

Experian should take immediate responsibility for their inaccuracies. The interest rates are rising, and I have my hands tied as I wait for this professional credit bureau to decide when they will update my report, so it accurately reflects my score. It sure is convenient timing for the credit reporting agencies to take their time to fix their mistakes, as interest and property inflate.

My understanding is that as a consumer I have a right to an accurate credit report and score and that the process put in place today is to ensure mistakes are fixed in a timely manner. Additionally, my credit score is to be reported truthfully and consistently. As such, my rights as a consumer have been violated by Experian.

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