vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$270.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-02-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NV

Complaint narrative:
JEFFERSON CAPITAL SYSTEM ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$11000.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I have an active loan with GM Financial that began in XX/XX/2016. I filed bankruptcy but had this loan excluded from the bankruptcy and made/making all payments. Court papers were filed and are on file with GM Financial that this loan was excluded and remains active. 
I spoke on the phone with a customer service rep who acknowledged that GM Financial had the court information. 
GM Financial continues to report that the loan is in bankruptcy, reports late payments, and won't provide monthly statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-29 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$11000.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-02-29 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please delete these inquiries from my report. 

XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Retail, Not Elsewhere Classified Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/2021

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 2020-02-29 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: STATE FARM BANK, FSB
State: SC

Complaint narrative:
I recently refi my home to pay off all my bills the closing lawyer contacted all the credit card companies to get the payoffs and the dates I then sent the checks with tracking numbers to state farm bank and it was a over payment of around XXXX dollars. State farm then charged a additional interest charge on top of the payoff amount they had given to the closing lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XX/XX/2019, I notified Nordstrom about 2 pages that I ordered on line. I called XXXX XXXX 5 times and Nordstrom did 3 investigation through XXXX. I, still being harassed by Nordstrom in California. Im XXXX by the State of Nj, just because my neigbors  at XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX. Admitted they stole my packages XXXX XXXX XXXX XXXX XXXX, NJ XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX stole my packages along with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX along with my NJ motor vehicle drivers license and social security card. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ATTACKED MY PHYSICALLY 3 TIMES XX/XX/2019, XX/XX/2019 MY HEAD WAS BANGED TO THE HARD CONCRETE, XX/XX/2019 IN FRONT OF THE XXXX TOW TRUCK DRIVER. IM IN A D XXXX SCAM I ANSWERED AD ON XX/XX/2019. I trported my identity theft and nothing has been done, by the XXXX County police department or the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: OH

Complaint narrative:
My mother, my youngest sister and I have all received harassing and repeated phone calls regarding a debt my other sister owes. None of us have cosigner anything and she is an adult who doesn't live with us. In addition, we have never provided our contact information to this company and are all being called on our personal cellphones.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: NJ

Complaint narrative:
Please delete these inquiries from my report. 

XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Retail, Not Elsewhere Classified Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/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 2020-02-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please delete these inquiries from my report. 

XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Retail, Not Elsewhere Classified Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX ( 01 XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$100.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
LVNV FUNDING LLC ( 12 XXXX XXXX XXXX XXXX   ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$710.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have an active loan with XXXX XXXX that began in XX/XX/2016. I filed bankruptcy but had this loan excluded from the bankruptcy and made/making all payments. Court papers were filed and are on file with XXXX XXXX that this loan was excluded and remains active. 
I spoke on the phone with a customer service rep who acknowledged that XXXX XXXX had the court information. 
XXXX XXXX continues to report that the loan is in bankruptcy, reports late payments, and won't provide monthly statements.

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 2020-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
The number XXXX is related to Chase Bank and has incessantly been calling for several months now. These calls are to the point of harassment, and a 30sec-1m voicemail is left every time. I am a consultant and can not stress how important it is to keep my phone lines open and my mailbox as empty as possible. These calls have been disrupting my work, my emotional state and have caused a lot of distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
entire time 10 years until XX/XX/2020. XXXX makes my blood boil. I have called and was lied to told to provide my checking account information over the phone in order to turn my cell phone back on. i called at XXXX them at XXXX {$300.00} was added to my bill. 

Scam scam scam I was told I can not call the office of the President just to write to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX. I did three thousand times. the last letter I mailed on XX/XX/2020. Two collection agencies later. 

I chose to leave XXXX XXXX every time I called the XXXX supervisor would threaten me on a recorded line. I need peace of mind and a good Heart to beat inside of me. Im on a XXXX XXXX due to the stress at XXXX XXXX   taking all my money 4 10 years.

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 2020-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC
State: NJ

Complaint narrative:
XX/XX/XXXX-XX/XX/XXXX XXXX XXXX {$2400.00} XXXX added on {$330.00} Rpm added on {$300.00} I wrote 300 letters toXXXX Customer XXXX XXXX XXXX XXXX, NM 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 2020-02-29 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: SC

Complaint narrative:
I have made complaints regarding this lender previously based on deceptive practices including the term of the loan which was only 6 months per the agreement I signed and it is being reported on my credit as 19 months which is a term I never agreed to. They also locked me out of my account so I couldn't view the documents that I initially signed and they are again not even licensed lenders in the State of South Carolina. They must recently sent me an email stating they have sold this debt to a debt collector but are STILL reporting a balance on my credit report which seems illegal. Please look into these matters. I have attached the email they sent me recently stating they have sold this debt

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 2020-02-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Financial Corporation
State: CA

Complaint narrative:
I have a auto account from gold acceptance/reliant financial services that is continuing to report the the credit bureau that I owe on this account and I sent them paperwork that shows that I paid the car in full and have a release of liability and they refuse to take it off my credit report and it is damaging my credit and they are trying to collect a amount that is false as well I have the paperwork to show all this if needed

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 2020-02-29 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: AES/PHEAA
State: WA

Complaint narrative:
I entered the Public Service Loan Forgiveness program last year and began making monthly payments. However, my student loan payments are not being applied to the PSLF program. 

In addition, my monthly payments be applied across all of the loans interest, instead of specific loans, making it nearly impossible to pay off the student loans. 

Finally, the student loans on my credit report show a higher balance due than the credit limit. I believe this is impacting my credit score since theyre installment accounts. On all these revolving accounts the balance due can not exceed the high credit limit or my credit score gets hurt rapidly. FedLoan has not provided a document, with each loan number listed, showing the high credit limit matches the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$710.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-02-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
I took out my first installment loan with opploans in XX/XX/XXXX. I paid on time and never missed a payment. In XX/XX/XXXX, opploans offered to refinance the loan. In reality, they did not refinance anything. They closed the original loan and gave me more money and a new payment plan essentially rolling over the loan. Illinois law does not allow a lender to roll over an installment loan if doing so would keep the person in debt for longer than six months. This is exactly what they did. I did not know that was illegal for them to do that at the time. I stopped paying on this loan and I attempted to settle this debt in XX/XX/XXXX ( via phone call ) as I could not afford this high interest debt for the extra time they rolled over the loan. Please note, they did email me a settlement offer in XX/XX/XXXX ;  however, I did not notice the email until after the time had lapsed to accept or decline it. Now, the company has a third party law firm attempting to collect more than what I would have owed if I paid on time until this date. All I wanted to do was settle the debt and avoid dealing with this company ever again. Now, I will have to hire my own lawyer to fight the third party. The third party asked for {$2700.00} to settle this loan when it was {$1000.00} to settle less than two months ago. I attached the rolled over loan contract. It makes no mention of how they rolled over the prior loan into a new one. They did not give me {$2100.00} in or around XX/XX/XXXX or after. They gave me {$890.00}.

Company response to consumer: Closed with explanation