vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-10 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: AR

Complaint narrative:
Every time I will get an insurance quote for auto insurance my quote is extremely high. I have no traffic violations or claims. My agent informed me that it could possible be my credit score. I received my free credit report a couple of weeks ago, and notice there were many items that I never applied for. I need these accounts and items removed. 

XXXX  XXXX {$0.00} XXXX XXXX   XXXX {$660.00} XXXX/XXXX   XXXX {$0.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$760.00}

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 2020-02-10 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: AR

Complaint narrative:
Every time I will get an insurance quote for auto insurance my quote is extremely high. I have no traffic violations or claims. My agent informed me that it could possible be my credit score. I received my free credit report a couple of weeks ago, and notice there were many items that I never applied for. I need these accounts and items removed. 

XXXX  XXXX {$0.00} XXXX XXXX  XXXX {$660.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$760.00}

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 2020-02-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
Company Love Beal and Nixon : Put a hold on our bank account and said they will take out what's in there. 

We owe them {$3300.00}. Our balance is roughly {$1800.00} ... .that is what we are using to pay our bills and survive. If they take XXXX then we have no money to live on ( family of XXXX -- -XXXX kids, wife and me ). I setup auto payment few weeks ago ... so not sure what the problem is. They could have called and try to get the money that way instead of threatening. A judgement an year ago was already passed that i need to pay them. I have been paying until last few months, when my budget was tied. Got a new job and setup auto payment right away. 
Please assist with this matter. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: GA

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. There are also inquires that are not mine XXXX XXXX   XXXX  XXXX/XXXX XXXX XXXX XXXX XXXX. I em doing this own my own and I have call the local police and FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: SC

Complaint narrative:
XXXX XXXX.I do not recognize this company and didn't authorize any transaction on this day or around this time. Contract Caller 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 2020-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I opened an account with HSBC in XX/XX/2008 and have been a customer since then.

Apparently when my account goes into overdraft money is automatically pulled from a line of credit from HSBC. When I go into overdraft I always have cash added to my account within days to cover more than the overdraft. When money is added to the account, they do not automatically pay off the credit line until after they reported the delinquency to the bureau. In the meantime, there is no indication when logging in on the account online that an account is past due or anything.

However as I was not even aware that they opened that line of credit and that it would work that way. I was assuming that they would either decline overdraft transaction or allow the overdraft and any subsequent transfer of cash would cover any negative amount.

Recently, I went overdraft and they funded it with that line of credit, without me being aware of it. As the line of credit balance aged, I was not mailed anything regarding the delinquency. I also was not warned they would report the delinquency to the bureau, all of this while my account actually had more than enough money to cover the amount due. They ended up reporting me to the bureau and I found out about the delinquency in my credit report! I was not even made aware of it by HSBC. When I log in online, I see no notification of any pending delinquency. The worst part is they manually transferred money from my checking account to cover the delinquency AFTER they reported me to the bureau. So they apparently could have paid off the amount due without causing me any lasting damage.

This is a clear UDAAP issue as I am being deceived in the way that my checking account works, I am not notified properly as this line of credit ages and they actually the ability to pay off the amount due before the damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2019, XXXX XXXX XXXX locked my joint checking account that is held by me, XXXX XXXX XXXX, and my mother XXXX XXXX XXXX, which resulted in my electronic mortgage payment for XXXX to be rejected. XXXX  XXXX XXXX states that they attempted to reach out to my mother for updated information multiple times, however, they did not do so in her preferred language nor did any of the bank tellers notify her that her information needed to be updated when she did visit the bank during XX/XX/2019. 

My account was locked without my knowledge and the XX/XX/2019, my mortgage on my mobile banking app showed " pending '' to XXXX XXXX XXXX. I was NOT informed of my electronic payments not going through nor that my e-bills with XXXX  XXXX XXXX were reset so I did not get my e-bills for XXXX. Companies involved included XXXX XXXX XXXX and XXXX XXXX. My checking account was in good standing and I now have multiple delinquent late payments on my credit report. 

Additionally, XXXX  XXXX XXXX has failed to inform my mother in a manner in which she can understand. Her primary language is XXXX. I was notified that no one in the bank could advocate for her or change her preferred language to XXXX without her having to navigate an English website through her online banking. My attempts to resolve the issue with the company resulted in me being told " Is that all? '' Please note, my last name also recently changed due to marriage. Last name is now 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 2020-02-10 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: CA

Complaint narrative:
On XX/XX/2019, XXXX  XXXX XXXX locked my joint checking account that is held by me, XXXX XXXX XXXX, and my mother XXXX XXXX XXXX, which resulted in my electronic mortgage payment for XXXX to be rejected. XXXX  XXXX XXXX states that they attempted to reach out to my mother for updated information multiple times, however, they did not do so in her preferred language nor did any of the bank tellers notify her that her information needed to be updated when she did visit the bank during 2019. 

My account was locked without my knowledge and the XX/XX/2019, my mortgage on my mobile banking app showed " pending '' to XXXX XXXX XXXX. I was NOT informed of my electronic payments not going through nor that my e-bills with XXXX  XXXX XXXX were reset so I did not get my e-bills for XXXX. Companies involved included XXXX XXXX XXXX and XXXX XXXX. My checking account was in good standing and I now have multiple delinquent late payments on my credit report. 

Additionally, XXXX  XXXX XXXX has failed to inform my mother in a manner in which she can understand. Her primary language is XXXX. I was notified that no one in the bank could advocate for her or change her preferred language to XXXX without her having to navigate an English website through her online banking. My attempts to resolve the issue with the company resulted in me being told " Is that all? '' Please note, my last name also recently changed due to marriage. Last name is now 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 2020-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Counsel, Inc.
State: FL

Complaint narrative:
I have been harassed daily by a Credit Council , Inc. bill collector, by the name of XXXX XXXX, after making an agreement ( on XX/XX/XXXX ) of how I was to pay a debt for my company. It was initially about {$30000.00} and he brought it up to {$59000.00} for illogical reasons. XXXX XXXX pretended to be a lawyer and told me he would take me to court if I wasn't going to make some sort of agreement with him. So, I paid a lawyer to figure things out. We settled on me making payments of {$1500.00} a month. I have paid a total of {$31000.00}, my latest payment was on XX/XX/XXXX. He has sent me a message threatening to " have a warrant for my arrest '' to scare me into paying him more money. He calls incessantly to my personal phone and office. He insults my staff, uses profanity and gives out my personal information to workers, claiming that I owe him {$50000.00} and he " doesn't know how I am still able to run a business ''. His calls start at XXXX ( before we open the office ) and continue throughout the day, 3 to  7 times in a row. 
I am really hoping you can resolve this issue.

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 2020-02-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX. For purposes of identification, my date of birth is XX/XX/XXXX and my social security number is XXXX. 

I write to request the assistance of Kolhs Executive Office in connection with a dispute that has been pending with Kohls/Capital One for several months now. 

The account in question was opened in XX/XX/XXXX and bears the account number XXXX. The negative remark on my credit report ( furnished by Kohls ) is inaccurate because I did not apply for or benefit from the goods and services provided by Kohls/Capital One.

I disputed this account with the credit reporting agencies on several occasions. Each time I was advised by the credit reporting agencies that the account had come back as verified.

I contacted Kohls charge related telephone line on two separate occasions. I ask the representative what factual basis Kohls had to assert that this account belonged to me. The explanation I received was baffling. Kohls stated that there was a payment made in XX/XX/XXXX to settle this account. On that basis, Kohls insists, this account belongs to me. I asked to advise as to whom the payment made and who actually made the payment. Kohls stated that it did not receive the payment, but rather, the payment was received by its collections agency XXXX XXXX. 

I then called XXXX Solutions ( Kohls collection agency ). The XXXX Representative stated that it had indeed received a payment in XX/XX/XXXX. XXXX Solutions could not verify who made the payment or how the payment was made. 

Today, I called Kohls again. I explained to the Kohls representative that, again, this account did not belong to me. I further explained that XXXX Solutions could not verify who made the payment. It certainly could not substantiate that I was the one who made the alleged payment. ( I did not make the payment. I never applied for this account ). The total limit of the card appears to be a paltry {$300.00}. If XXXX Solutions is accurate, Kohls has recovered {$350.00}.

The presence of the negative remark on my credit report is inaccurate. I am appealing to your sense of decency and requesting that the Office of the President immediately direct that this negative remark be removed from my XXXX  and XXXX  reports. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX, XXXX, & XXXX  IS IN VIOLATION OF THE FCRA!! They are not properly VERIFYING consumer accounts. Per the FCRA furnishers are to verify and validate accounts by requesting/providing ACTUAL DOCUMENT PROOF BEARING A CONSUMERS SIGNATURE SUBSTANTIATING ALL CLAIMS/ACCOUNTS. THESE REPORTING AGENCIES ARE LAYZ AND ARE NOT FOLLOW THE PROPER PROCEDURES LISTED IN THE STAUES OF THE FCRA. IF ACCOUNTS ARE NOT PROPERLY VERIFIED WITH PROOF OF CONTRACT THE ACCOUNT ( S )  MUST BE DELETED IMMEDIATLEY!!!!!

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 2020-02-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: American Coradius International LLC
State: VA

Complaint narrative:
The student loan is predatory ... Paperwork indicates a $ XXXX loan with a balance due of $ XXXX ... loan was quickly sent to collections with missed payment and the harassment and threat of lawsuit has ensued ever since ... they threatened family members into making payments for years WHO had no association with the loan ... I was not aware collection was taken from other people ... paperwork is attached with record of this and the harassment continues. My co-signer has passed away and other people are being contacted as well as calls through the day when I have provided a best time to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Names are inaccurate All those other spellings are inaccurate. EQUIFAX AND XXXX   WOULDNT RELEASE MY FREE REPORT YET THEY POST ON XXXX XXXX AND  OTHER CREDIT INQUIRIES THESE ITEMS I have inaccurate information on my credit report and it is preventing me from obtaining a house and better business credit. I have not done business with these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses need to be removed people are using my name only my current address I want listed I will submit information to all 3 bureaus XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, O-XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX , XXXX, O XXXX XXXX XXXX, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was scammed on XX/XX/XXXX. The bank told me if the check cleared it was a good check. It cleared and was a forgery. I am out the money. Ithe bank took my ssi check in full for XX/XX/XXXX! I am {$820.00} in arrears now. My credit is great and I dont want this to ruin me beyond what it has done. I have been to Social Security office, the bank, the police and no one can help me. Can you please show this to a lawyer or someone who can help. I just read that they were not allowed to take my check. What do I do now? I am borrowing money from friends to get through the month. I am a good guy with good credit and I made a mistake. Do I get crucified for that? Nobody seems to help me! My number is XXXX I would appreciate if someone could take a look at this. Thank you in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-10 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: AL

Complaint narrative:
I've been disputing the status, amount, dates of an account listed on my Equifax credit report and Equifax continues to claim that the account is valid without providing me information that they have that proves what they claim to be true. The education loan is not only reporting inaccurately but there are two accounts with the same account numbers with different open dates and balances listed on my credit report. I sent Equifax yet another dispute letter this time I included a screenshot of all my student loans listed on the NSLDS ( National Student Loan Data System ) I highlighted the loan from University of XXXX XXXX  that was opened on XX/XX/2009 that shows a balance of {$1800.00} with no outstanding interest or late fees. I also included the screenshot to prove that there is no loan reporting opened on XX/XX/2009 from the University of XXXX XXXX. Equifax has completely ignored my letter and proof and still is reporting both of the accounts on my report after I've sent in proof.Not only are they reporting wrong information they keep changing the account status I have proof both of these accounts have been closed for years, I also sent proof to Equifax, and now the accounts are open with balances and monthly fees. This is absurd. Its the credit bureaus job to ensure nothing but accurate information is on the consumers report so I'm in complete shock that after I've provided the company with proof they fail to do what they are getting paid to do. Please DELETE the accounts from my credit report as they are not accurate and I have the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: GA

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There are also inquires that are not mine XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I em doing this own my own and I have call the local police and FTC.

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 2020-02-10 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: GA

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There are also inquires that are not mine XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I em doing this own my own and I have call the local police and FTC.

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