vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I just received notification today, XX/XX/XXXX, from Experian that XXXX pulled my credit file ( FRAUDULENTLY ). This is the second time in the past 5 months this has happened. On XX/XX/XXXX XXXX FRAUDULENTLY allowed my credit to be pulled. I have attached a previous CFPB complaint with XXXX and a letter from XXXX verifying it was fraudulent. I have attached my complaint letter directly to XXXX telling them it was fraudulent as well, and to NOT extend credit in my name without verifying my identity. After this happened I filed with the FTC as a victim of identity theft ( see attached ). There is also Fraud Victim alerts placed on all my credit files with the 3 major credit bureaus stating to contact me at my phone number to verify my identity ( see attached ). XXXX did NOT do this and pulled my credit file with out my permission or consent again. These inquires are ILLEGAL. Remove the fraudulent inquiry from my file immediately or I will file suit. I already have a consumer protection attorney, who I will be contacting immediately regarding this issue, due to previous identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I have several loans with Department of Education/NelNet with late payments which is incorrect and been reported incorrectly on credit report s.My students loans has always been in a forbearance status/ deferment status. I even have several hardships forbearance. My loans shouldnt shows any late payment. All the late payments are a error on the Servicer part .I have never been in repayment status due to financial reason. I made sure I applied for a forbearance or hardship to ensure my account remain in good status.i made several attempts to the CEO of NelNet about this matters. I contacted the Servicer NelNet several times via telephone and by Us Mail on this matter. Unfortunately my situation hasnt been handle. I honestly my situation is been ignored. Im entitled to correct reporting on my personal credit file. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: AZ

Complaint narrative:
I called the credit reporting agency and companies to express i never authorized the inquiries on my credit report and they failed to remove them off my credit. The following inquiries are for the dates as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2018, I received a Capital One credit card on my name I never applied for. I called Capital One, I was told the account was closed. I called and made an automatic report to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: GL Financial, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I hit a deer on my way to work which cause severe damage to my vehicle which is a XX/XX/XXXX XXXX XXXX. My fianc and I Insurance company XXXX said the damage was severe and the vehicle was a total loss. The vehicle was fianace with GL Fianacial in XXXX Georgia for 26 months I purchased the vehicle on XX/XX/XXXX. I had only 7 months left on the contract. Due to the vehicle been total my balance would decrease due to been paid out 7 months earlier due to the vehicle been a total loss. XXXX issued a check to GL Financal for {$5200.00} on XX/XX/XXXX. Once the payment was sent I contacted GL Financial and spoke with Several managers two names I remember was a XXXX XXXX and XXXX and I spoke to XXXX XXXX supervisor about my account. I ask for documents on my account. I ask for to show if I owe any money after the payment the insurance company payment. XXXX and XXXX refused to give and documents and wanted me to just take there word. I explained to them it doesnt work like that. I needed proof. Unfortunately they still didnt provide me with any information. Back In XX/XX/XXXX of this year I pulled my credit file and I noticed GL was reporting I owe them XXXX. I contacted GL Fianacal Via telephone and spoke with XXXX XXXX XXXX about the incorrect information I was informed that it shouldnt be that amount and could I provide them a company of my credit report. I was instru to fax it or email it to them and they would take a look at it. I did as I was and I fax the credit report to them. I never heard back. I disputed the incorrect information with XXXX. Once I dispute the incorrect information with the credit bureaus I received a alert stated some information was updated on my credit report. The update was from GL Financial they had change the balance and the status of the account. I called GL Financial and never received a call back about error that was now been reported. I check my credit once again in XX/XX/XXXX of this year and noticed they amount was changed to a {$140.00} on one Credit report and {$340.00} on another credit and the account went from pay as agreed to charge off which is incorrect. How can the account be charged off if it was paid off by the insurance company and if there was a balance I was never notified. I never received one noticed from this company everything was word of mouth. By law the company is responsible for reporting accuracy information .GL Fianical is violating [ 15U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. G.L Financial is reporting inaccurate information which is damaging my credit and reputation. Please Help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24 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: TX

Complaint narrative:
I reviewed my credit report and found the following items to be errors. Here as follows are the items in error : XXXX/XXXX, late payments XX/XX/XXXX to XX/XX/XXXX. Please verify, if cant be verified please delete immediately. 
XXXX XXXX XXXX, late payments XX/XX/XXXX to XX/XX/XXXX. Please verify, if cant be verified please delete immediately. 
XXXX XXXX. Late payments XX/XX/XXXX to XX/XX/XXXX. Please verify, if cant be verified please delete immediately. 
XXXX, late payments XX/XX/XXXX to XX/XX/XXXX. Please verify, if cant be verified please delete immediately. 
XXXX XXXX XXXX Charge Off. Please verify, if cant be verified please delete immediately. 
XXXX  XXXX Collection. Please verify, if cant be verified please delete immediately. 
XXXX XXXX XXXX Collection. Please verify, if cant be verified please delete immediately. 
XXXX XXXX ( Charge Off/Collection ) Please verify, if cant be verified please delete immediately. 
XXXX XXXX Please verify, if cant be verified please delete immediately. 
XXXX XXXX XXXX Please verify, if cant be verified please delete immediately. XXXX XXXX XXXXXXXX XXXX Late Payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please verify, if cant be verified please delete immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24 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: SD

Complaint narrative:
I was directed to XXXX from Equifax because I could not find it directly on their website. I received a report and read through it XX/XX/XXXX. In the personal information section my date of birth is incorrect. 
The only employment listed is a place that I worked at three years ago and is no longer 'current ' as the status states. 
There is a bogus address of : XXXX, XXXX XXXX XX/XX/XXXX. 
Also the date of me living in XXXX  is incorrect but I have lived in that city. 

After seeing all of those inaccuracies I looked through the rest of the document to find my right to dispute incomplete or inaccurate information under the Fair Credit Reporting Act as it is listed on the report. Equifax did not direct me to dispute the inaccuracies with them directly but instead provided this internet address : www.consumerfinance.gov/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OH

Complaint narrative:
I started using heartland payment systems company for my XXXX business onXX/XX/XXXX, normally I should receive my money in to my bank no more than 24 hours, but they hold my money over 20 days, until I found out it on XX/XX/XXXX on my online banking and called them. in the past 20 days no body contact me about this happen, I was very shock.i don't know who took my money in the past 20 days. I been talk to them many time to get back my money, they keep lie to me said tomorrow than tomorrow again, my business checking account been negative, not enough money to run my business, I wait for almost a week to get my money back, also they didn't give me a final answer what is going on. the money sent back to me was not very clear, and not correct. ( heartland customer support XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
Step 1 : What is this complaint about? Being harassed and tormented with e-mails every day for a {$5000.00} loan I have to pay back after I sent them a letter asking them to stop contacting me. One Main completely ignored it. How can I pay them back if I dont have a job? My other creditors are not panicking that I havent made my monthly payments. 
Step 2 : What type of problem are you having? I used to be tortured with phone calls every day to collect the debt. I put a stop to that. Now I am receiving emails every day from One Main. Now I am wondering did I take out a loan from a financial company or did I take out a loan from the mob? 
Step 3 : What happened? I do not have a job, I have been trying to get one since  XX/XX/2017. I have applied for over 250 jobs and have not been able to secure gainful employment. I also applied for a job at One Main. No response from them. I am also working with a job recruiter. When I fell behind on my monthly payments I started receiving phone calls every single day. The gentlemen from One Main stated the status of my account and asked when One Main could expect to receive payment. I explained my situation to him and the next day I got another call from him stating the very same thing. This went on for days. I explained my financial situation to the gentlemen from One Main again and again and asked why he was torturing me with phone calls every day and he told me its my job. So, I called their main branch office and got a customer service phone number and explained my situation to them and they put a stop to the phone calls. Now I get emails every day and now a letter saying they are going to turn my account over to an attorney for collection. Is it lawful for a company trying to collect a debt to treat people this way? I really dont know what to do with this creditor. This company is heartless and relentless. They prey on the elderly who are down on their luck. If I call them they will say the same thing to me again that they always have. When can we expect payment on your loan or we have payment options. What good are payment options when you dont have a job. 
Step 4 : What company is this complaint about? One Main ( lending company ) I wish I had never borrowed money from this company. When you go on the internet for One Main there are 2,902 consumer reviews and complaints. 

Step 5 : Who are the people involved? Myself, XXXX XXXX and XXXX XXXX from One Main.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase bank was contacted on XX/XX/2018 about 3 unauthorized purchases. They " researched '' the charges and then decided they didn't have to honor the card holder agreement. The purchases were not authorized and not made by me and the card was not in my possession at the time of the charges. I am not liable for them per my card holder agreement. They need to honor the card holder agreement. 
Contacting FDIC, AZ state board at this time and county attorney 's office in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: U.S. BANCORP
State: GA

Complaint narrative:
US Bank allowed someone to open a account in my name. I was informed by the Earlier warming the account is overdrawn in the amount of XXXX I called them and advised that this account doesnt belong to me. I filled out the forms that was provided to me through email from the bank and I still havent heard from the bank .I disputed this account with the XXXX XXXX XXXX which handle account reported by banks. USBank only respond they will not changed there information they wouldnt provide any information to show how this account is accurate and that Im responsible for the account. There no US Bank in my area. From research this bank is located several states from me. I live in XXXX born and rasie. If Im not mistaken the close branch to my area is XXXX XXXX or XXXX. I like this negative account resolved and moved off my XXXX XXXX report this negative information would keep me from obtaining a checking/saving account in the future.

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 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On my XXXX account online, XXXX showed a list of selected credit card offers for me. These are credit cards I can apply for and get approved. Ive applied for a credit card that was on that list on XX/XX/XXXX. I got a rejection letter in the mail on XX/XX/XXXX. I want to complain, because this is false advertising and the credit card application increased my number of inquiries unnecessarily ( from Equifax ). This inquiry should be removed from my credit report since this is XXXX fault. They shouldnt be giving me offers if they will just reject my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Central Credit, Inc.
State: CA

Complaint narrative:
I have a paid off time share with XXXX XXXX XXXX  XXXX XXXX in XXXX XXXX NV Contract # XXXX / Owner ID # XXXX / Contract ID # XXXX I paid this off back in XX/XX/XXXX even paid extra for yearly maintenance fees, well I never heard from the maintenance department or anyone till I got a letter on XX/XX/XXXX from Continental Central Credit stating I owed {$3600.00} balance to XXXX XXXX XXXX XXXXXXXX XXXX. So I sent them a certified letter to dispute the debt balance since I knew I paid off my time share. Finally I got a letter a month and a half after from Continental Central Credit, with a statement or remittance slip that I owed maintenance fees from XX/XX/XXXX till XX/XX/XXXX for a total of {$2700.00} witch included {$190.00} in late fees..I contacted XXXX XXXX XXXX XXXXXXXX XXXX and spoke to a XXXX in Resort Accounting and gave her my contract id # XXXX, I advised her to why was I never notified this was past due, her response was " we notified you by e-mail every time it was due '' XXXX XXXXXXXX. I told her that was my wife 's e-mail and she has never gotten an e-mail from them. I also told her told her that was a violation of FDCPA, she said you have to call Continental and couldn't help me. Continental Is adding {$900.00} for collection and attorney fee. I feel this is a violation of FDCPA and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: Early Warning Services, LLC
State: GA

Complaint narrative:
XXXX XXXX allowed someone to open a account in my name. I was informed by the XXXX XXXX the account is overdrawn in the amount of XXXX I called them and advised that this account doesnt belong to me. I filled out the forms that was provided to me through email from the bank and I still havent heard from the bank .I disputed this account with the early warning service which handle account reported by banks. XXXX only respond they will not changed there information they wouldnt provide any information to show how this account is accurate and that Im responsible for the account. There no XXXX XXXX  in my area. From research this bank is located several states from me. I live in XXXX born and rasie. If Im not mistaken the close branch to my area is XXXX XXXX or XXXX. I like this negative account resolved and moved off my XXXX XXXX report this negative information would keep me from obtaining a checking/saving account in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: Midwest Recovery Systems
State: DC

Complaint narrative:
I don't know this account. 
All it says is that it's a 'bank account OR card opened up with my social security # ( the alert showed on my XXXX , apparently it was reported to XXXX  ) and name. 
I have only one bank account at XXXX  XXXX XXXX so any other cards or accounts opened up after in/after 2011 are fraudulent. 
This company reported XXXX to my credit score. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt, the agreement bearing my signature stating that I have agreed to assume the debt, Valid copies of the debt agreement stating the amount of the debt and interest charges, Proof that the Statute of Limitations has not expired, Complete payment history on this account along with an accounting of all additional charges being assessed, Show they are licensed to collect in my state ; and their license numbers and Registered Agent. If your they fail to reply to this debt validation within 30 days from the date of the eceipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On my Chase account online, Chase showed a list of selected credit card offers for me. These are credit cards I can apply for and get approved. Ive applied for a credit card that was on that list on XX/XX/XXXX. I got a rejection letter in the mail on XX/XX/XXXX. I want to complain, because this is false advertising and the credit card application increased my number of inquiries unnecessarily ( from XXXX ). This inquiry should be removed from my credit report since this is Chases fault. They shouldnt be giving me offers if they will just reject my application.

Company response to consumer: Closed with explanation