vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OR

Complaint narrative:
In 2017 I contacted an internet provider over the phone to set up WiFi services in my home. When the installation employee showed up he informed me he was unable to install that companys equipment due to some technical limitation on their part. Services were supposed to be cancelled. I used another internet provider, and never received any services from this company. Even so, I continued to receive bills from them, and I spent many hours calling them to dispute this, only to keep being transferred, and hung up on. Ultimately, this fraudulent account was acquired by IC SYSTEM for debt collection and reported on my credit. I never received services from this company, I am do not owe 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 2018-06-25 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:
I wrote Transunion theough the cfpb and they responded telling me theyd remove the items and to call them for the inquiries on my report and that they would send me an updated copy of my credit report. The items have not been removed. I tried calling by phone its impossible and i never even received a copy of my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclay XXXX XXXX XX/XX/2017 I sent letters from my XXXX  and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
bloomingdales XXXX XX/XX/2017 I sent letters from my XXXX  and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Harris & Zide
State: CA

Complaint narrative:
A levy in the total amount of {$4500.00} which includes {$120.00} bank fee on my checking and savings acct with XXXX XXXX XXXXXXXX was placed XX/XX/XXXX ( I was not notified prior to or at time of withdrawal by my bank, any other individual or company of this levy ) I discovered my missing funds on XX/XX/XXXX while accessing my accounts for other purposes. After multiple phone calls to my bank and XXXX California courts I was given a court case number and a contact number for Harris and Zide Attorney/Debt collectors who were said to be responsible for the levy. Upon contacting Harris and Zide office I spoke with XXXX XXXX who identified herself as the legal assistant. Upon my inquiry into my missing funds I was told by XXXX XXXX that it was for an XXXX XXXX  account I held in XX/XX/XXXX, that they sent me three letters, one on XX/XX/XXXX to a prior address, another XX/XX/XXXX and XX/XX/XXXX to my current address that I have resided since XX/XX/XXXX, and that I had a judgement from XXXX Courts that was public records that I could refer to. XXXX XXXX then stated that this was also linked to XXXXXXXX XXXX who had bought XXXX XXXX and to another attorney by the name of XXXX. I immediately challenged the information provided as I do not recall ever having an account with XXXXXXXX XXXX and furthermore I have not received any correspondence from Harris and Zide, I could not obtain court information as she stated with the court case number she gave me and stated was public record nor could she provide me with proof of service. 
I believe this to be a scam and I'm not sure what recourse I have without spending monies to hire an attorney to retrieve money from this company. I am sending them a certified letter for demand of return of my money however I believe this office should be aware of this incident and if it is appropriate to please intervene /assist on my behalf to have my money and bank fees returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: Kriya Capital, LLC
State: NY

Complaint narrative:
credence resources I sent letters from my XXXX  and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This account was removed from my credit report twice in the past 8 months XX/XX/XXXX was the first time and again the beginning   of XX/XX/XXXX and has been placed back on without notifying me 5 days prior to the reinsertion action. My lawyer from XXXX XXXX had previously sent out letters on my behalf after I noticed this account reporting incorrectly and it was removed due to non-validation of the account after sending 609, 611 and follow up letters, this is not a playing matter and has seriously caused derogatory marks from adding and reinserting repeatedly on my credit report and causing my score to drop drastically. The credit bureaus need to delete the item due to inadequate validation, they were given more than enough time to validate ownership of the account with a payment history to the company using my bank account information, anything less than a signed contract with payment to said company is not sufficient validation. It was added again XX/XX/XXXX for {$540.00} XXXX XXXX did not verify that the account belongs to me and all three credit bureaus did not do their due diligence to protect me the consumer.

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 2018-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX said they will contact the XXXX  they want a police report they don't believe me. I sent all documents and they keep scaring me they said they are removing it they don't care if I owe it or not I sent letters from my XXXX  and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Actually in a lawsuit but may arrangements to pay {$100.00} on the XXXX th of each month. Still calling

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-25 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: VA

Complaint narrative:
Hello I've recently in XX/XX/XXXX attempted to dispute incorrect information on reporting on my credit report number XXXX directly with Experian. To no success this information is still being reported and representing me unfairly. I attempted to have the empty fields from my XXXX account number XXXX furnished and to display the following : Incorrect and Missing form my credit report XXXX Account XXXX : Balance? 
Balance Updated? 
Recent Payment Amount? 
Monthly Payment? 
Original Balance? 
Highest Balance? 

Also, it list the Terms as " 1 Months '' which is incorrect. It list the Date Opened as XX/XX/XXXX but first reported as XX/XX/XXXX five years later which is incorrect. 

From the viewpoint of someone pulling my credit and looking at the XXXX account with all the missing field leaves a lot of unanswered questions about this account. I believe that this is unfair and leaves me at a disadvantage. I believe if Experian is going to report details about me that they should tell the whole story and not just a part of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
profolio recovery and XXXX XXXX wont remove this debt from my credit report. they said its not there business I went to XXXX. they I sent letters from my XXXX  and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
I have disputed this with central states recovery and the school who placed the debt in collection I was enrolled in classes and my classes were not dropped and I were charged the debt agency has not provided any information disclosing my obligations to pay this amount in collections Also the agency still has the account as in open status reporting in my XXXX credit report which this was removed from the other credit reporting agencies This account should be removed from my credit report and I should not owe any obligations to the creditors placing to collect the debt I provided a copy of my credit report from XXXX  were it was on my credit report and it was removed I provided a copy of my report in XXXX  showing the account Is in open staus This account is not in open status XXXX XXXXXXXX is reporting inaccurate information on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: LA

Complaint narrative:
I have been fighting ID THEFT and please need to dispute the following accounts due to them begin fraud!! I have sent supporting documents in several times and please ask these documents be used to block and or remove the following. Also please lock my credit report and notify the companies that reported the fraud accounts under my name and SSN. Thank you. 
1. XXXX XXXX Reported : XX/XX/XXXX 2. XXXX XXXX XXXX Reported : XX/XX/XXXX 3. XXXX XXXX Reported : XX/XX/XXXX 4. XXXX Reported : XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXX 6. XXXX XXXX   Reported : XX/XX/XXXX 7. XXXX XXXX Reported : XX/XX/XXXX 8. XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX 9. XXXX XXXX XXXX Inquiry : XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX 11. XXXX XXXX Inquiry : XX/XX/XXXX 12. XXXX XXXX 13. XXXX XXXX Inquiry : XX/XX/XXXX 15. XXXX XXXX Inquiry : XX/XX/XXXX 16. XXXX Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: LA

Complaint narrative:
I have been fighting ID THEFT and please need to dispute the following accounts due to them begin fraud!! I have sent supporting documents in several times and please ask these documents be used to block and or remove the following. Also please lock my credit report and notify the companies that reported the fraud accounts under my name and SSN. Thank you.

1. XXXX XXXX   Reported :XX/XX/XXXX 2. XXXX XXXX XXXX   Reported : XX/XX/XXXX 3. XXXX XXXX Reported : XX/XX/XXXX 4. XXXX Reported : XX/XX/XXXX 5. SXXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX 6. XXXX XXXX Reported : XX/XX/XXXX7. XXXX XXXX   Reported : XX/XX/XXXX 8. XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX 9. XXXX XXXX XXXX  Inquiry : XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX 11. XXXX XXXX Inquiry : XX/XX/XXXX 12. XXXX XXXX 13. XXXX XXXX Inquiry : XX/XX/XXXX 15. XXXX XXXX Inquiry : XX/XX/XXXX 16. XXXX Inquiry : 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 non-monetary relief
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Webster bank is insinuating I went into bank when I was in XXXX. I showed proof and they threatened me. I got a legal aid attorney and I filed 500 ftc reports. they are illegal and uncaring crooked bank. they want to blame somebody. thus is not my loan I sent letters from my XXXX and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: FL

Complaint narrative:
ON XX/XX/XXXX I applied for credit on a used car but when I arrived at the dealership for my appt. time, they sold it just prior to my appointment and tried to sell me another car I didn't want. On XX/XX/XXXX, I looked at some cars on the XXXX and the salesperson said I qualified for one of their cars but only offered me {$1000.00} trade in on my XXXX XXXX XXXX so disgusted, I turned down his offer, On XX/XX/XXXX, I purchased a new XXXX XXXX from XXXX XXXX, but AFTER I purchased it, an additional 6 hard hits came in thru XX/XX/XXXX. These 9 hits should be enveloped? as one due ( 1 ) to the car being purchased and I was unaware that hard hits were continuing and I don't believe they were authorized. 
Second, On XX/XX/XXXX, I was pre-authorized to buy a second car which my brother and I wished to purchase together. On XX/XX/XXXX we purchased a new XXXX XXXX and was assured that we were financed by XXXX XXXX XXXX  and was and due to the XXXX holiday, and the car needing pre-delivery update we returned after XXXX and took possession of the Car. The Hard hit 's continued thru XXXX for a total of ( 21 ) which should again be enveloped? as One (! ) due to they were not authorized and for a single purchase started on XX/XX/XXXX and accepted on 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 2018-06-25 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: FL

Complaint narrative:
ON XX/XX/XXXX I applied for credit on a used car but when I arrived at the dealership for my appt. time, they sold it just prior to my appointment and tried to sell me another car I didn't want. On XX/XX/XXXX, I looked at some cars on the XXXX and the salesperson said I qualified for one of their cars but only offered me {$1000.00} trade in on my XXXX XXXX XXXX so disgusted, I turned down his offer, On XX/XX/XXXX, I purchased a new XXXX XXXX from XXXX XXXX, but AFTER I purchased it, an additional 6 hard hits came in thru XX/XX/XXXX. These 9 hits should be enveloped? as one due ( 1 ) to the car being purchased and I was unaware that hard hits were continuing and I don't believe they were authorized. 
Second, On XX/XX/XXXX, I was pre-authorized to buy a second car which my brother and I wished to purchase together. On XX/XX/XXXX we purchased a new XXXX XXXX and was assured that we were financed by XXXX XXXX XXXX and was and due to the XXXX holiday, and the car needing pre-delivery update we returned after XXXX and took possession of the Car. The Hard hit 's continued thru XXXX for a total of ( 21 ) which should again be enveloped? as One (! ) due to they were not authorized and for a single purchase started on XX/XX/XXXX and accepted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: FL

Complaint narrative:
ON XX/XX/XXXX I applied for credit on a used car but when I arrived at the dealership for my appt. time, they sold it just prior to my appointment and tried to sell me another car I didn't want. On XX/XX/XXXX, I looked at some cars on the XXXX and the salesperson said I qualified for one of their cars but only offered me {$1000.00} trade in on my XXXX XXXX XXXX so disgusted, I turned down his offer, On XX/XX/XXXX, I purchased a new XXXX XXXX from XXXX XXXX, but AFTER I purchased it, an additional 6 hard hits came in thru XX/XX/XXXX. These 9 hits should be enveloped? as one due ( 1 ) to  the car being purchased and I was unaware that hard hits were continuing and I don't believe they were authorized. 
Second, On XX/XX/XXXX, I was pre-authorized to buy a second car which my brother and I wished to purchase together. On XX/XX/XXXX we purchased a new XXXX XXXX and was assured that we were financed by XXXXXXXX XXXX XXXX and was and due to the XXXX holiday, and the car needing pre-delivery update we returned after XXXX and took possession of the Car. The Hard hit 's continued thru XXXX for a total of ( 21 ) which should again be enveloped? as One (! ) due to they were not authorized and for a single purchase started on XX/XX/XXXX and accepted on 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 2018-06-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This account was removed from my credit report twice in the past 8 months XX/XX/XXXX was the first time and again the beginning of XX/XX/XXXX and has been placed back on without notifying me 5 days prior to the reinsertion action. My lawyer from XXXX XXXX had previously sent out letters on my behalf after I noticed this account reporting incorrectly and it was removed due to non-validation of the account after sending 609, 611 and follow up letters, this is not a playing matter and has seriously caused derogatory marks from adding and reinserting repeatedly on my credit report and causing my score to drop drastically. The credit bureaus need to delete the item due to inadequate validation, they were given more than enough time to validate ownership of the account with a payment history to the company using my bank account information, anything less than a signed contract with payment to said company is not sufficient validation. It was added again XX/XX/XXXX for {$540.00} XXXX XXXX did not verify that the account belongs to me and all three credit bureaus did not do their due diligence to protect me the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: AZ

Complaint narrative:
I am a victim of identity theft. The following credit inquiries listed on my Experian credit report are fraudulent and not mine : XXXX XXXXXXXX XXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018.

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 2018-06-25 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: AZ

Complaint narrative:
I am a victim of identity theft. I never applied for the following credit card accounts. The following accounts listed on my Trans Union, XXXX  and XXXX credit report, are all fraudulent : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, 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