vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I have lived in California since   XX/XX/XXXX . There was an account opened for   XXXX   under my name in  XX/XX/XXXX f rom Florida, which I did not authorize.  XXXX  reported the account to  XXXX  credit bureaus and then sold the collection to convergent outsourcing. I have disputed this with the collection agency and filed a victim 's identity theft report with the police. I also faxed my report and letter of dispute along with a request to delete any information regarding this account with the credit reporting agencies, but, the account fraudulently remains on my credit 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 2017-07-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX I tried to submit a dispute on line with XXXX. I 'm unable to answer the security questions due to fraud purchases made by person/persons unknown. I do not have a retail card from XX/XX/XXXX. I do not have a bank card from XX/XX/XXXX. I filed bankruptcy in XX/XX/XXXX, the case number is XXXX. It was filed in XXXX Tennessee Western District. I do not have a XXXX car. I do n't have an income to pay a loan or to lease a car. The last car I had was paid for in XX/XX/XXXX. The car was a XXXX XXXX XXXX. The vin number on that car was XXXX, the plate number was XXXX. The title was XXXX. I 've reported theft of my drivers license to the Department of Motor Vehicle in the State of Tennessee. No-one will do anything here & this city wonder why crime is so high. No-one wants to do their jobs. Yet everyone wants to get paid. I 've told the courts that XXXX XXXX  XXXX is posing as a paralegal. She 's deleting my history. The FBI told me this is an inside job, not only is The XXXX is responsible. My former employer XXXX XXXX XXXX XXXX have my identification. XXXX XXXX once lived with my late father. She 's stealing my mail through the United States Postal Service.

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 2017-07-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX I tried to submit a dispute on line with XXXX. I 'm unable to answer the security questions due to fraud purchases made by person/persons unknown. I do not have a retail card from XX/XX/XXXX. I do not have a bank card from XX/XX/XXXX. I filed bankruptcy in XX/XX/XXXX, the case number is XXXX. It was filed in XXXX Tennessee Western District. I do not have a XX/XX/XXXX car. I do n't have an income to pay a loan or to lease a car. The last car I had was paid for in XX/XX/XXXX. The car was a XX/XX/XXXX XXXX XXXX. The vin number on that car was XXXX, the plate number was XXXX. The title was XXXX. I 've reported theft of my drivers license to the Department of Motor Vehicle in the State of Tennessee. No-one will do anything here & this city wonder why crime is so high. No-one wants to do their jobs. Yet everyone wants to get paid. I 've told the courts that XXXX XXXX XXXX is posing as a paralegal. She 's deleting my history. The FBI told me this is an inside job, not only is The XXXX is responsible. My former employer XXXX XXXX XXXX XXXX have my identification. XXXX XXXX once lived with my late father. She 's stealing my mail through the United States Postal Service.

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 2017-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: U.S. BANCORP
State: IN

Complaint narrative:
I do n't have info on specific dates and times because I called them every time. They should have those records. I did contact them on  XXXX  last week where they said they 'd call me and have n't yet. Basically, I closed my bank account ( thank  XXXX   )  and ordered a new credit card as far back as  XXXX . Since then I 've talked t o 5+  agents who all said they changed my address and I 'll get my card through rush shipping. I 'm getting charged all sorts of late fees when I have n't even been regularly billed! Now that I am getting billed, they can only seem to send bills, not my credit card. 4 months later. No card, but I 'm still getting billed for each time they do the rush shipping. And my online account has been locked so I have n't been able to change anything on my end. Absolutely ridiculous.

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 monetary relief
Consumer complaint received 2017-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
in 2010 s omeone filed a bankruptcy in my name not sure but believe it was my ex-husband from a nasty divorce my credit is perfect and I had no need to file a Bankruptcy.   FC RA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) This has to be  remove

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 2017-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i n 2010 someo ne filed a bankruptcy in my name not sure but believe it was my ex-husband from a nasty divorce my credit is perfect and I had no need to file a Bankruptcy.   FCR A 603 ( o ) ( 5 ) ( A ) ( i ; iii ) This has  to be remove

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 2017-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
in 2010 so meone filed a bankruptcy in my name not sure but believe it was my ex-husband from a nasty divorce my credit is perfect and I had no need to file a Bankruptcy.   FCR A 603 ( o ) ( 5 ) ( A ) ( i ; iii ) This has t o be remove

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I am requesting an investigation into an incorrect 120 late payment posted fromXX/XX/XXXX. Beginning XX/XX/XXXX my Capital One account changed from ( Visa to Mastercard ). This caused inaccurate payment postings. I had difficulty paying online and was unable to post payments correctly. The payments were posting to the incorrect account. I had excess on one account and a late charge on the old account. I continued to get mail stating I had n't made a payment.
<P/>
I contacted Capital One and the representative was confused about my request, but I was finally able to speak with someone that understood my problem. The representative was able to assist me to finally post the payment to the correct card, but it left me with an inaccurate and unfair reporting to XXXX. Capital One continues to report that I was 120 days late making a payment. This account had a maximum balance of {$180.00} part of which was fees from untimely payment due to the change with credit card types. I did n't request the change in credit card types and I did n't request to have the accounts incorrectly posting payments. I had n't had any delinquent payments prior to this credit card change ( Visa/Mastercard ) and have not had any late payments with any creditors since this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX did an unauthorized hard credit check on me without my knowledge, as i have found out since that they do so often that they usually have an open class action lawsuit against them for it. I called XXXX telling them to remove it. They said that i had to dispute it with XXXX XXXX or some other website with a Transunion credit report since thats the one that participates in their unseemly, unethical behavior. I have reported it 2 times with XXXX XXXX with no response or investigation to either request that i have been told about. Of course there is no way to contact Transunion, that i have ever seen published, unless it to buy a product. I have been dealing with this for 2 months with only an oh well response from XXXX and my credit score went down 15 points because of this. Unacceptable from XXXX, Transunion and 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
Consumer complaint received 2017-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
XXXX   XXXX ,  2017  a collection was reported on my Credit by Kings Credit Services  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  That was never my Debt, I have never been to the medical facility. I belong to  XXXX  for the last 10 years. My Credit is Excellent and this company should be held accountable for its negligent reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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:
many accounts not mine, many addresses that do not belong to me. names on my report that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: NV

Complaint narrative:
Hello, I checked my 3 credit reports and saw a bad remark that is on my report and is NOT mine. It says {$1100.00} XXXX XXXX XXXX. XXXX XXXX. Never had I ever signed up for XXXX XXXX  and I have 0 negative remarks on my credit. So far this has showed up on my XXXX and experian report and I demand they remove it. This is damaging my credit report! This just showed on my report this month and I have NO idea why this is on my credit 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 2017-07-05 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:
many accounts not mine, many addresses that do not belong to me. names on my report that do not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-05 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:
many accounts not mine, many addresses that do not belong to me. names on my report that do not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Autovest, L.L.C.
State: GA

Complaint narrative:
In XXXX 2017 Autovest, LLC delivered an affidavit for garnishment to a training center that I work out of. I 'm an XXXX XXXX XXXX on XXXX full commissions contract with the company, so I travel a lot. When the forms were delivered by the Sheriff, I was out of town and the Office Manager signed for the documents, which validated the debt, by law she had to send it to the corporate office. While I was away I noticed that my commissions were short. When calling the home office to find out I discovered that this company was garnishing my checks. I was livid because, I never heard of this company before. And surprisingly, this company IS NOT even on my credit report. I contacted XXXX XXXX XXXX, the attorney 's that processed the order on behalf of Autovest, and they refused to give me any information. I then XXXX  Autovest, LLC and they refused to give me information and directed me back to the law firm. Getting frustrated. I contacted my attorney through XXXX XXXX to seek guidance. They instructed me to go to the court and get original debt documents. Well, the county that issued the court order did not have the original documents, it was sent to them as a foreign judgement from XXXX County, IN. So the XXXX XXXX  representative referred me to an law firm in XXXX county, they told me that because the debt was so old, it was out of jurisdiction for dispute and the only thing I can do is file bankruptcy. Well, filing bankruptcy, would bed pointless, because this debt is not on my credit report! So still I had no idea who the original creditor was, and was finally directed to the XXXX County Records company. There, I was able to get a copy of the original application, which was purchased from some car company called XXXX XXXX, with my name, d.o.b., etc. But I 've NEVER owned a XXXX and never lived at the address that 's on the application. The signature is definitely forged, and it does not have a Picture ID attached to the application. This has been so frustrating, because I 'm still being garnished out of my commissions for a debt that DEFINITELY DOES NOT belong to me. I 'm not yelling at you guys. I 'm just in need of serious help. I 'm exhausting all my options here. And its just not fair.

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 2017-07-05 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
XXXX XXXX did not comply with the Fair Credit Reporting Act, in regards to conducting a reasonable investigation of my dispute against an inaccurate item on my credit file.
<P/>
On XXXX XXXX, 2017 I obtained my annual free credit reports from XXXX. I noticed that XXXX XXXX had an account listed about me that is inaccurate. I did not authorize XXXX XXXX to report this account on my credit file. I called XXXX XXXX on or about XXXX XXXX, 2017 to ask them the deleted the account because it is incorrect. I was informed that they could not delete accounts from my credit file that only the credit bureaus could do that. I then contacted the three credit bureaus, XXXX, XXXX and XXXX via USPS Certified Registered Return Receipt to inform them of the inaccurate credit listing and to delete the account. All three credit bureaus wrote back to me stating that XXXX XXXX verified that the information about the account was accurate and that it would remain on my account. I am distressed that XXXX XXXX continues to break Federal and State laws by not conducting reasonable investigations to my credit file when I ask them to which caused damage to my reputation, my credit score and causing me lost opportunities to seek credit. The account I am referring to is : XXXX XXXX # XXXX ... There is no contract for this account. I did not authorize this account to be on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TN

Complaint narrative:
I 've reported these fraud transactions to IRS. Because fraud payments were made to someone by IRS. I 've reported my drivers license being stolen to XXXX Police Department. The Department of Motor Vehicle in Tennessee, & my social security card stolen. There was an Ace employee that changed the last digit on my driver license to a four with a XXXX XXXX check. Check number XXXX in the amount of {$400.00} do not belong to me. I never made that transaction. Check number XXXX in the amount of {$650.00} was not a payment received by me. These payments was paid by IRS to someone that have an account with Ace. I do n't have an account with Ace & never had one. I 've cashed checks with Ace, that 's all. Ace Aceid is XXXX the maker was USTreasury ABA for the US Treasury is XXXX. Both was done in XXXX. As I 've mentioned XXXX XXXX XXXX XXXX amended & restated my tax returns & made themselves my conservator. All of my former employers have been changed with XXXX. A seven year alert have been placed on my credit report. The XXXX Family was also given my XXXX XXXX information by Attorney XXXX XXXX. After I filed bankruptcy in XXXX. XXXX XXXX the broker with XXXX XXXX XXXX set up the fraud account with XXXX XXXX. After she & XXXX XXXX stole my retirement check from Principle. They all need to be investigated, especially the attorney. He conspired with The XXXX Family to steal from the bankruptcy courts. He helped them to delete my history & take my home. Someone is receiving social security benefits through Ace using my identity. Ace is allowing a lot of Federal Government fraudulent activity go on through their company. I am shouting from the roof top. I did n't work hard all my life for someone else to reap my benefits. XXXX XXXX is another person that had access to my information. This woman once lived with my late father. She 's using his social security number & he have been deceased since XXXX. His name is XXXX XXXX. She 's working with the XXXX Family. The FBI told me its an inside job.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: NV

Complaint narrative:
Hello, I checked my 3 credit reports and saw a bad remark that is on my report and is NOT mine. It says {$1100.00} XXXX XXXX XXXX. XXXX XXXX. Never had I ever signed up for XXXX XXXX  and I have 0 negative remarks on my credit. So far this has showed up on my equifax and XXXX report and I demand they remove it. This is damaging my credit report! This just showed on my report this month and I have NO idea why this is on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
2016 XXXX.
<P/>
I request a credit decrease from capital one which was denail. I close my account because it nature, secure credit card. High interest and no benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: HW Holding, Inc
State: CA

Complaint narrative:
XXXX 2017 I received a letter from Hunter Warfield claiming I owed over {$3500.00} for an apartment complex. I called Hunter and requested a debt validation as I had not heard from the complex in question. Hunter Warfield claimed they had not received any statements from the apartment but would get one and mail it to me. I did n't hear from them again until XXXX 2017 when I received a notification via XXXX XXXX that my score had dropped due to a collection. Of course, Hunter Warfield had added themselves to my credit report as a new collection. I immediately called them again and was told that there was nothing they could do. They looked in their notes and saw that I did request to have the debt validation sent and they just had n't done it. The only way to remove it from my credit was to pay the full amount due and they would report it as paid. I tried for a supervisor and manager who all said the same thing and that it was too late now as it was reporting to my credit. I needed to " get over that fact and just pay them what is due or they 'll make my credit even worse. '' I asked what that meant and they said they had ways of making people pay whatever they wanted. I hung up and tried to get someone else and once my file was accessed, I was put on hold for 34 minutes and then hung up on. My old complex is not sure what is going on but says they are out of it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief