vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
www.ccsnotice.com On XX/XX/20 -1st lady with Credit Collection Services said debt was with XXXX and it was XXXX. Then said can access bill on website and theres no option for it on website. I spoke with Manager - XXXX XXXX. The Manager lied and said I had to sign up for email to get the bill then said it takes two weeks to get bill. Told him to save the recorded calls as I was going to file a complaint against them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX of XXXX we were notified by our landlord they did not receive our rent check for the month of XX/XX/XXXX. The check total of {$1900.00} was stolen and deposited into a XXXX XXXX XXXX account. My bank is Chase. we proceeded to file a claim with Chase as well with the police and currently waiting for the subpoena to go through. Chase informed us that it can take up to 90 days to hear back. We heard back a week ago and XXXX XXXX declined the claim because it wasn't made within 6 months of the incident. Chase is also refusing to refund us the amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and have had a fraud alert on my credit report and a security freeze. I do not understand why I have inquiries from companies that I never applied iwth or gave permission to pull my credit reports The companies I have not authorized are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, I HAVE FILED A FEW POLICE REPORTS AND A FTC REPORT VIA FTC REPORT NUMBER XXXX. I have attached police report confirmation to this complaint.THE REPORTS DETAIL EACH NEW ACT OF FRAUD ON MY CREDIT FILE.

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 2020-02-24 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: FL

Complaint narrative:
On XX/XX/XXXX I tried to update my name and address correctly in Experian.com when tried didnt give me the option to update my correct name or address

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 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, Experian and XXXX XXXX have all failed me. They must remove this damaging item off of my credit file. This account was already investigated via certified mail back in XXXX and was removed.They have allowed another company to alter information and fraudulently report an account under my credit file again. I received alerts from XX/XX/XXXX and XXXX that XXXX XXXX XXXX opened an account and reported to the 3 bureaus fraudulent information. They remarked my credit file stating that an account for 11-XXXX was set up as new account on XX/XX/XXXX. This issue was already disputed back in XXXX and XXXX through certified mail and was removed from my report because of fraud. This debt does not belong to me. This creditor XXXX XXXX XXXX has opened a new account and added {$1.00} to the previous account reported. The item that was originally removed in XXXX was under XXXX XXXX  for {$400.00}. XXXX XXXX XXXX is reporting {$400.00} to all three bureaus which is not accurate.

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 2020-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I applied a credit card with PenFed and was given a bogus reason for denial : " We do not grat credit to any applicant on the terms you requested. '' I called PenFed and they admitted it is a system glitch and asked me to provide a written request to have them re-process the application. 

XXXX XXXX from XXXX XXXX XXXX team told me they won't reconsider unless I provide documentation. The problem here is that XXXX XXXX did not take time to read my request and gave me a boilerplate text reply.

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 2020-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
My credit score and credit is being denied and my score is poor due to me being held responsible for someone else 's unpaid debt. There's utility, cellular service, vehicle loan, and mortgage loan for a home I never owned or even lived in. It has to due with my partner who passed away in 2014 and he was still legally married at that time and his " wife " due to her not liking me and not wanting any of his debt has somehow gotten away with putting his debt on me. How is this legal? They were still legally married and she lives in said home and collects his social security benefits but yet my credit is the one being impacted and I'm having all of this come up on my credit report. She is the one who is legally married and she should have all of it on her credit and she's the one responsible for it not me. Please help me get all of this off my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I underwent hard financial times and was constantly harassed by this company, after I repeatedly told them I felt like I was being harassed I was still being contacted. I've had to stop block over 10 numbers to stop the harassment. I can not give specific dates because it felt like it was occurring every day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I submitted dispute twice. Equifax agrees that multiple addresses are wrong and said that the addresses were removed. However, until today XX/XX/XXXX the wrong addresses are still on my credit report. Besides, they disagree with my dispute for the credit account and hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has failed to respond in a timely manner to my dispute letters of XX/XX/2019 and XX/XX/2019, deposited with the U.S. Postal Service on those date. Federal law requires them to respond within thirty ( 30 ) days, yet they have failed to respond to both of my letters. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the FTC should they continue in their non-compliance. I further remind them that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), they may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I underwent hard financial times and was constantly harassed by this company, after I repeatedly told them I felt like I was being harassed I was still being contacted. I've had to stop block over 10 numbers to stop the harassment. I can not give specific dates because it felt like it was occurring every day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Bureaus, Inc.
State: NY

Complaint narrative:
I can not give specific dates as I fell on hard times but I was repeatedly contacted by this company to the point of harassment. I've had to block upwards of 10 numbers to get relief, I was having so much anxiety whenever my phone would ring I debated changing my number all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, XXXX  and Trans Union have all failed me. They must remove this damaging item off of my credit file. This account was already investigated via certified mail back in XXXX and was removed.They have allowed another company to alter information and fraudulently report an account under my credit file again. I received alerts from XX/XX/XXXX and XXXX that XXXX XXXX XXXX opened an account and reported to the 3 bureaus fraudulent information. They remarked my credit file stating that an account for 11-XXXX was set up as new account on XX/XX/XXXX. This issue was already disputed back in XXXX and XXXX through certified mail and was removed from my report because of fraud. This debt does not belong to me. This creditor XXXX XXXX XXXX has opened a new account and added {$1.00} to the previous account reported. The item that was originally removed in XXXX was under XXXX XXXX  for {$400.00}. XXXX XXXX XXXX is reporting {$400.00} to all three bureaus which is not accurate.

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 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax, XXXX  and XXXX XXXX have all failed me. They must remove this damaging item off of my credit file. This account was already investigated via certified mail back in XXXX and was removed.They have allowed another company to alter information and fraudulently report an account under my credit file again. I received alerts from XX/XX/XXXX and XXXX that XXXX XXXX XXXX opened an account and reported to the 3 bureaus fraudulent information. They remarked my credit file stating that an account for 11-XXXX was set up as new account on XX/XX/XXXX. This issue was already disputed back in XXXX and XXXX through certified mail and was removed from my report because of fraud. This debt does not belong to me. This creditor XXXX XXXX XXXX has opened a new account and added {$1.00} to the previous account reported. The item that was originally removed in XXXX was under XXXX XXXX  for {$400.00}. XXXX XXXX XXXX is reporting {$400.00} to all three bureaus which is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and have had a fraud alert on my credit report and a security freeze. I do not understand why I have inquiries from companies that I never applied iwth or gave permission to pull my credit reports The companies I have not authorized are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, I HAVE FILED A FEW POLICE REPORTS AND A FTC REPORT VIA FTC REPORT NUMBER XXXX. I have attached police report confirmation to this complaint.THE REPORTS DETAIL EACH NEW ACT OF FRAUD ON MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft and have had a fraud alert on my credit report and a security freeze. I do not understand why I have inquiries from companies that I never applied iwth or gave permission to pull my credit reports The companies I have not authorized are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, I HAVE FILED A FEW POLICE REPORTS AND A FTC REPORT VIA FTC REPORT NUMBER XXXX. I have attached police report confirmation to this complaint.THE REPORTS DETAIL EACH NEW ACT OF FRAUD ON MY CREDIT FILE.

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 2020-02-24 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: MO

Complaint narrative:
My identity has been seriously compromised and abused to say the least. Im demanding that the following accounts be blocked and removed from my credit file immediately, all accounts are fraudulent. I'm also demanding that the credit reporting agencies that's reporting these unauthorized accounts show just cause via The Method Of Verification used to even obtain these unauthorized accounts. And if such information can not be granted then the credit reporting agencies shall remove the following immediately. 

1 ) XXXX XXXX XXXX {$2400.00} 2 ) XXXX XXXX XXXX   {$0.00} 3 ) XXXX/XXXX XXXX {$11000.00} 4 ) XXXX/XXXX XXXX XXXX XXXX {$5700.00} 5 ) XXXX XXXX XXXX XXXX  {$1000.00} 6 ) Missouri Div Child Support {$4.00} And also please remove all fraudulent inquiries and that's all of me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I can not give specific dates as I fell on hard times but I was repeatedly contacted by this company to the point of harassment. I've had to block upwards of 10 numbers to get relief, I was having so much anxiety whenever my phone would ring I debated changing my number all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCE CORPORATION
State: NV

Complaint narrative:
I took a secured loan with OneMain Financial in XXXX, Nevada on XX/XX/2019. My vehicle was used to secure the loan. I was to receive a loan for {$10000.00}. The funds were to be deposited in my checking account the following day. When the funds were deposited I saw the deposit was for {$8800.00}. I called the OneMain office and was told that a loan origination fee for {$1200.00} had been deducted from the loan proceeds, for a whopping 13.79 % fee up front, on top of the 30 % interest rate. 

When completing the loan documents in their office it was all done electronically, no ink signatures. Simply put the OneMain attendant briefly reviewed the documents on a computer screen, and would advance from document to document. I would not have ever approved an outrageous {$1200.00} loan origination fee on a $ XXXX loan! Either that document wasn't there, or just as likely the attendant just advanced right by that document. OneMain never gave me any documents until I called them to complain, and the electronically signed documents were overnighted to me the next day. The are in violation of Nevada NRS 675.360.1 as applies to loan origination documents. 

I sent a registered letter of complaint to OneMain 's corporate office at XXXX. XXXX XXXX, XXXX OH, XXXX on XX/XX/. I received a call from their corporate office approximately a week later, they apologized for the confusion, and failure to provide me the loan documents, but they had no plans to waive the loan origination fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
While being a customer of XXXX now XXXX, I've had several issues of over charges for my account and was a loyal customer for over 4 years. When expressing concern for a service I was charged for and was never informed I had access to, I was ignored. I had a conversation with XXXX and my account was never corrected. XXXX charge me for a phone service which I was told was part of a bundle from the prior year, which I never was informed of. I learned of the service charge after disputing another issue with my cable service over the phone. When I asked for my call to be escalated no one ever contacted me back. I'm certain that I was charged excessive late fees as well. 

Currently, I don't have anything to attach because I don't have access to my notes due to storage but XXXX has access in their records of my calls. The rep informed me they were taking notes, unless the rep lied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: NY

Complaint narrative:
Tried to dispute to update my address and name online in Equifax.com after sending me a letter online in Equifax.com that it was deleted went I go back the wrong address and names are still showing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: MO

Complaint narrative:
My identity has been seriously compromised and abused to say the least. Im demanding that the following accounts be blocked and removed from my credit file immediately, all accounts are fraudulent. I'm also demanding that the credit reporting agencies that's reporting these unauthorized accounts show just cause via The Method Of Verification used to even obtain these unauthorized accounts. And if such information can not be granted then the credit reporting agencies shall remove the following immediately. 

1 ) XXXX XXXX XXXX {$2400.00} 2 ) XXXX XXXX XXXX   {$0.00} 3 ) XXXX/XXXX XXXX {$11000.00} 4 ) XXXX/XXXX XXXX XXXX XXXX {$5700.00} 5 ) XXXX XXXX XXXX XXXX {$1000.00} 6 ) Missouri Div Child Support {$4.00} And also please remove all fraudulent inquiries and that's all of me

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 2020-02-24 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: SC

Complaint narrative:
I have sent off my disputes for Experian for account with XXXX XXXX and account number XXXX. I have no idea about this account and its the ONLY negative thing on my credit report. I would like for this other person account be removed from my credit file.

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 2020-02-24 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: SC

Complaint narrative:
I have sent off my disputes for XXXX  for account with XXXX XXXX and account number XXXX. I have no idea about this account and its the ONLY negative thing on my credit report. I would like for this other person account be removed from my credit file.

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