vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My complaint is against XXXX XXXX and all 3 credit bureaus ( EQUIFAX, XXXX, XXXX  ) .I am writing to inform you that I am a victim of identity theft. My personal information was compromised and as a result fraudulent Charges were included on my account. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. Please note that I took this XXXX business card under a company I worked for called XXXX XXXX. But alas later at the mid-XXXX, the card started incurring fraud charges. The company business was to pay up the XXXX  account in regards to the receipt I give them. The information of the account ins the following : XXXX XXXX ACC # XXXX******, Date Opened XX/XX/XXXX, Balance {$0.00} I also tried to dispute this incident with all 3 credit bureaus ( EQUIFAX , XXXX , XXXX ) and nobody even investigated the account as the law demands and should have also BLOCK the account as the FCRA requires and that is a violation to the California reporting act. Im also attaching letters sent to credit bureaus with a Federal Trade Commission report filed on XX/XX/XXXX that they received. 


Im attaching letters I sent to creditor in this case XXXX XXXX and Im also attaching them a copy of an unfiled SC-100 that I will file in the case that XXXX XXXX dont remove fradulent account from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My complaint is against XXXX XXXX and all 3 credit bureaus ( XXXX, EXPERIAN, XXXX ) .I am writing to inform you that I am a victim of identity theft. My personal information was compromised and as a result fraudulent Charges were included on my account. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. Please note that I took this XXXX business card under a company I worked for called XXXX XXXX. But alas later at the mid-XXXX, the card started incurring fraud charges. The company business was to pay up the chase account in regards to the receipt I give them. The information of the account ins the following : XXXX XXXX ACC # XXXX******, Date Opened XX/XX/XXXX, Balance {$0.00} I also tried to dispute this incident with all 3 credit bureaus ( XXXX  , EXPERIAN , XXXX  ) and nobody even investigated the account as the law demands and should have also BLOCK the account as the FCRA requires and that is a violation to the California reporting act. Im also attaching letters sent to credit bureaus with a Federal Trade Commission report filed on XX/XX/XXXX that they received. 


Im attaching letters I sent to creditor in this case XXXX XXXX and Im also attaching them a copy of an unfiled SC-100 that I will file in the case that XXXX XXXX dont remove fradulent account from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14 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: AAS Debt Recovery, Inc.
State: OH

Complaint narrative:
AAA DEBT RECOVERY INC/AAS Debt Recovery Inc POB XXXX XXXX, PA XXXX I have an account that needs to be deleted it is not accurate it is listed as owed when it was discharged in Bankruptcy Chapter XXXX. Please remove this account from all 3 credit Bureaus it is in error. Please filing XXXX form.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advantage Collection Professionals, Inc.
State: MI

Complaint narrative:
In response to a denial of an extension of credit, this consumer checked with one or more consumer reporting agencies and discovered the following : 1. Your company has furnished negative information concerning this consumer to one or more consumer credit reporting agencies as shown by the accompanying exhibits.

2. This consumer is unsure whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.

3. This consumer does not recall having received the required notice apprising this consumer of the right to dispute the alleged debt, nor does this consumer recall having received any billing statements and/or statements of account bearing the number you used to furnish the negative information.

4. This consumer is without facts sufficient to form a belief that this consumer has a relationship with your company, and therefore must deny that such a relationship exists.

5. Notwithstanding any substantively admissible facts to the contrary, this consumer denies having any knowledge of the alleged account which the furnisher has placed on this consumers credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Performant Financial Corporation
State: TX

Complaint narrative:
Previously, I filed a complaint with " XXXX XXXX XXXX '' but after  subsequent letter in the mail, I have the real debt collector regarding my student loans. This is the debt collector, " Performant Recovery '' located in XXXX, CA. 

Letter states, dated XX/XX/XXXX a student loan has been referred to " XXXX XXXX XXXX. '' This letter specifically states that " Federal Regulations require that we inform you that our client may elect to administratively garnish your wages.. '' Let 's recap. I've been unemployed on and off since XX/XX/XXXX. I have been unable to secure full-time work since. This type of predatory debt collector, who, is in another state sends me a threatening letter about either ( 1 ) single student loan or multiple loans stemming from unknown creditors and not record of being contact to defer payments or explore further option. This predatory collector just thinks a recipient is going to be financially taken advantage of for a large balance no one could possibly pay off and have no hard copies from the original student loan creditors, nor an explanation how they came up with this number. I have the letter scanned to send as proof. 

Collector name on the letter is " XXXX XXXX '' which matches the name of the person that phoned two family members within minutes of each other. On XX/XX/XXXX this person called a brother and sister-in-law. Asking for me. This practice is unsavory and predatory.

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 2019-06-14 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: VA

Complaint narrative:
My husband and I purchased a 5th wheel RV thru XXXX XXXX XXXX in XXXX, VA and financed it with XXXX XXXX XXXX XXXX. When signing our paperwork, we noticed the dealer put the wrong address on the form and we corrected it in the office. Unfortunately the information he turned into the bank contained the wrong information and the statement went to the wrong address. When we didn't receive a statement I contacted XXXX XXXX XXXX to make sure they received our paperwork. After going thru several people since my address did not match my social in their records ( plus I had no account number since we never received a statement ), we made the needed payment, changed the information to the correct address, and were told all delinquency would be taken off the account since we were the ones who came forward to correct the information. One week later it appeared on my husbands and my credit report for being delinquent. When I called the bank I was told they could not remove it and that we would have to file a complaint with the credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC knowingly and deliberately stalled and withheld disclosures until the last possible moment knowing of an urgency of an event on XX/XX/2019. Application was filed on XX/XX/2019. No Truth in lending disclosure was ever issued. Appraisal took over 4 weeks to complete a `` drive by ''. XX/XX/2019 I was notified that the loan was ready and would be closing on XX/XX/2019. At that time I strongly requested a hard copy of the terms of the loan to no avail. Day of closing I was informed of a mandatory Checking account requiring a minimum balance of {$500.00}. When I refused they increased the interest rate of the loan in leu of an account. Without a disclosure or anything tangible I refused to sign in fear of other penalties and fees not previously mentioned. These tactics are nothing short of predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: VW Credit
State: CA

Complaint narrative:
1. VW CREDIT INC with ACCT # XXXXXXXX opened on XX/XX/2016 with a credit limit of {$13000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Never lived at the address below and my name is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXl XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Never lived at the address below and my name is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2019-06-14 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: Harvard Collections, LLC
State: AR

Complaint narrative:
ONCE AGAIN HARVARD COLLECTIONS ARE COLLECTING DISCHARGED DEBT LISTED IN CASE XXXX DISCHARGED XX/XX/2018. STATE OF ILLINOIS IS ALSO COLLECTING ON BARRED ACCOUNTS WHERE THE S.O.L EXPIRED ON BACK TAXES. SEE ATTACHED .WE ARE NOW GOING TO FILE A CLASS ACTION EFFORT SOON!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ad Astra Recovery Services Inc
State: IL

Complaint narrative:
I have dealt with Ad Astra Recovery Services for about a 4 year period between XXXX & XXXX in regards to an account that is reporting to my credit reports false and inaccurately. During this period they have failed to provide ANY proof viable evidence, bearing my signature and showing that the account was being reported accurately or established by me. They also failed to provide a timely response in which I kept careful record of via certified mail & their response date attached to their continuous automated response that I've received over 10 times. I've also asked of Ad Astra Recovery Services to render me an description of their procedures used to determine the accuracy and completeness of the information provided. They have not done so any of the times requested. I've made several goodwill attempts against this company to resolve an issue that has been defaming my name for over 3 years. Their non compliance with federal laws under the Fair Credit Debt Collection Practices Act & the Fair Credit Reporting Act and all corresponding local state laws will only make them liable for their willful non-compliance. And I plan to seek extensive damages to be recovered from this negligence of inaccurate and error reporting done under my name & social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I purchased an airline ticket through XXXX XXXX on XX/XX/2019 ( XXXX ). The ticket price was {$300.00}. There was a promotional offer of a significant discount ( around $ XXXX {$200.00} off ) if I applied for an AAdvantage credit card issued by Citibank XXXX 
I applied for the card expecting the discount. 

After purchase, I was told that the discount didn't apply because I already had a similar credit card. 


I called customer service, and got bounced back and forth between XXXX XXXX and Citicards. I did get one offer from Citicards to receive the discount if I spent more money using that card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: National Credit Systems,Inc.
State: MD

Complaint narrative:
XX/XX/19-received a letter from National Credit systems , Inc. XXXX , GA in regards to a debt owed. The original creditor was XXXX XXXX XXXX, XXXX, MD. I explained to them I had a pending law against the XXXX  's. I submit court documents dated XX/XX/2019, in regards to case number XXXX, Court date XXXX in Court Room # 3, in the District Court of Maryland XXXX County , XXXX XXXX XXXX, XXXX XXXX , MD. I won a judgment against the XXXX 's in the amount of {$2400.00}. I received emails from all 3 credit bureaus stating a collection again was entered on my credit report by the above credit systems. They were suppose to wait until the final court decision was decided. I was given instructions by the original debtor that I could have 6 months to pay the final {$1200.00}. This collection was entered before the final decision was determined by the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I filed a previous complaint ... and they sent me a document showing when I canceled All my online bill payments and then showed when they actually canceled them and some of them were canceled way after I did, this is unacceptable what a bunch of shysters I played phone tag with this Woman from 5/3 multiple times she never called me back at the number I asked her to call me back at multiple times when I left a voicemail I am absolutely done playing games

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XX/XX/XXXX XXXX charged me {$700.00} for a rental that my insurance company was to paid! I put the {$250.00} deposit down! XXXX neglected to subtract the {$250.00} that was paid and bill my insurance! I never authorized this! Huntington gave a provisional credit and then reversed it on XX/XX/XXXX. They think that I need to prove I have insurance when the problem is the transaction wasnt authorized! It is not authorized!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: TX

Complaint narrative:
ABOUT THREE MONTHS AGO I RECEIVED A DEBT NOTICE FROM COLLECTION AGENCY CALLED CAPIO. I HAVE ASKED THIS AGENCY TO PROVIDE ME WITH A DETAIL OUTLINE OF ALL CHARGES LISTED LEADING TO THIS DEBT ADDING UP A TOTAL OF {$1700.00}. I AM REQUESTING THE INFORMATION IN WRITING WITH MY SIGNATURE SHOWING I DID AGREE TO THIS AMOUNT FROM CAPOI. I HAVE NO KNOWLEDGE THIS DEBT EXIST.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I would like to file a formal complaint against XXXX XXXX XXXX. XXXX XXXX, XXXX, FL XXXX. XXXX XXXX has violated my rights as a consumer by failing to provide validation of a debt at my request and continuing to report the disputed debt to the CRA. The Original creditor for the alleged debt is XXXX in the amount of {$1000.00}. Ive sent a total of three certified letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting proof of the alleged debt, complete detailed history of all transactions ( including payments, credits, returns, etc ), contract bearing my personal signature, proof of my identity ( copy of drivers license/social security card ), and any other intimate details that they may have pertaining to the account. I expected to receive a response from XXXX XXXX within 30 days of each letter submitted. However, my requests were ignored I am aware of my consumer rights as indicated under both the FDCPA and the FCRA. Reporting inaccurate information to the credit bureaus is causing damage to my score and character. Im using the Estoppel in my defense ; XXXX XXXX had a duty to respond to my request on three separate occasions within 30 days but failed to do so. I still to this day haven't received any sort of correspondence to my request. By receiving no feedback, or requested validation Im left to assume XXXX XXXX are in agreeance that this debt is false.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advantage Collection Professionals, Inc.
State: MN

Complaint narrative:
XXXX with Advantage Collection Professionals, LLC XXXX XXXX XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX, contacted me for a past due amount of {$190.00} from 2011, for a company called XXXX XXXX XXXX with phone number XXXX. I've never had an account with XXXX XXXX XXXX, nor had any business with them. They refuse to remove me from their system, and threatening to update to credit bureau if not paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had two checking accounts with Fifth Third Bank which were overdrawn due to fees imposed on the accounts and then additional fees due to the accounts being overdrafted by the original fees. I never opted-in to any type of overdraft protection program for this very reason. The Bank closed my accounts and immediately sent them to collections. This strikes me as usury and nickel and diming customers. I know owe over {$1000.00} to the collections agency due to Fifth Third 's deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have a collection account listed on my credit report by LVNV Funding. I asked for written verification and validation of the debt. I received a letter from Resurgent Capital Services in response to my inquiry telling me they manage the account with LVNV Funding. They only sent me an account summary report that was prepared by Resurgent Capital Services on the behalf of LVNV Funding.

Company response to consumer: Closed with explanation