vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-16 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:
contacted credit reporting agency about incorrect information on file and they reply that information is correct without providing me any details as to how the came to that conclusion. 

I've ask for a proper investigation but they are refusing to provide their verification method

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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:
contacted credit reporting agency about incorrect information on file and they reply that information is correct without providing me any details as to how the came to that conclusion. 

I've ask for a proper investigation but they are refusing to provide their verification method

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Protection Association, L.P.
State: MO

Complaint narrative:
We received a letter from CPA, or Credit Protection Association, dated XX/XX/XXXX. The letter said that we owed {$170.00} to XXXX. There was no account number on this form, but it did have reference # XXXX. I called the number on the card, and they asked me my name and date of birth, and they said this matched the person on the account. They also asked if I had received the previous letters, and I told them this was the first correspondence I had received from their company. I told them this was not my account, and then I asked them what the address was that they showed the service at, and I asked the phone number. The person on the line from CPA told me this was for service at XXXX XXXX XXXX in XXXX, MO and the phone number was XXXX, and I called and spoke to a XXXX at that number who said he didn't know anything about the XXXX bill. The CPA representative also said that I needed to file a police report to get this resolved, and told me that they could take payment over the phone if I wanted to pay. I again emphasized that this was not my bill, and that it appeared that someone had used my identity to set up this account. 

We received another letter from CPA dated XX/XX/XXXX. This letter had more information on it, including the account #, XXXX, the disconnect date of XX/XX/XXXX, and the date it was turned over to collections of XX/XX/XXXX. I also received a call from the company which I returned and was admittedly upset. I again told them this was not my bill, and asked if they were sending bills to the other address. The person on the phone told me there was no other address except my home address and denied the XXXX address was even on the account. I called back and asked to speak to a supervisor, who told me the address was on there, and again stated that I needed to fill out a police report. 

I did attempt to talk to XXXX by going to their office on Wednesday, XX/XX/XXXX, and was told there was nothing they could do. They said that I needed to fill out a police report. I started a police report on that day, and completed it the following day. The report is with the XXXX Police Department at XXXX, and I completed it with Officer XXXX XXXX. 

Currently my wife and I are trying to refinance our home, and this has caused our credit score to go from XXXX to XXXX. I found this out on XX/XX/XXXX as well while inquiring about loan options. This was how I realized this was a legitimate collection agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Back in XX/XX/XXXX, a friend that I used to live with in XXXX Texas called me and said that someone called her looking for me saying that if I didnt call back they would be taking me to court. I called them back and they stated that they were some type of legal agency ( XXXX XXXX ) and they were calling to collect the debt owed on a loan I took out at Ace Check Cashing. I do remember getting a loan with them, but due to unforeseen circumstances I was unable to make a payment, and I was told it was sent to collections. I was told that if I disputed it I would be sued in court for an amount over {$1400.00}. They asked me to make a payment of {$400.00}, which at the time I couldnt. I was told that they could set me up on 5 weekly installments of {$80.00}. I didnt feel comfortable leaving my debit card on file with them, so I ordered a XXXX XXXX card to have for those payments. They kept my debit card on file, despite me giving them my XXXX XXXX card, and would attempt to charge my card for {$80.00} every Friday. I would then call and make my payments with my XXXX XXXX card. One day I questioned them asking if this was real and I was told that when I make my last payment I would receive some type of letter in the mail stating ( I cant remember what it was called ). I made my last the month of XX/XX/XXXX. I never received anything from them. I would try to call them and the phone would pick up and then disconnect, or it wouldnt be answered at all. On XX/XX/XXXX I tried to reach out to them again, and I spoke with a lady who said that its only sent when requested. She stated she would email it to me and i should have it within an hour. I never received an email from them and when I try to call I am back to getting disconnected or no answer. I have already reached out to both my bank and XXXX XXXX, but I dont know what else I should do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
Received a letter on XX/XX/2020 ( dated XX/XX/2020 ) from a company called Amsher saying that I owed {$160.00} to XXXX XXXX. I have NEVER had an account with XXXX, and I have {$0.00} debt. This is fake debt and an attempt to collect on a fake account. 

Info below : Original creditor XXXX XXXX XXXX Creditor 's Acct # XXXX Amsher Acct # XXXX Total due {$160.00} Phone XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT AND I HAVE ALWAYS TRIED MY BEST TO KEEP MY IDENTITY SAFE. I DID ALL THAT I COULD DO TO AVOID THIS TYPE OF THING FROM HAPPENING TO ME. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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:
For the last few months Transunion, XXXX  an XXXX  have laced my credit report with false entries of more than 40 hard inquiries and refuse to remove them. They are obviously misreported inquiries from businesses I have never applied to. Remove all except one XXXX for my car. 
Now I am a victim of poor credit because of this problem fraud by credit bureaus. 
Transunion, XXXX  and XXXX  refuse to raise my score. They give the lowest credit scores and this is fraud. Raise my score. 
Transunion refuses to remove XXXX XXXX XXXX XXXX for this is a fraudulent loan. It is not mine. Remove at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2019 I contacted XXXX again after multiple times about not providing the description on how their investigation was conducted on multiple violations as required by the FCRA : They no longer own this account as it was transferred to a 3rd party. Therefore, they can not have a balance. 

They still have not complied within the legal time allowed and refused to provide the investigative methods used. 

They are in violation of multiple FCRA violations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT AND I HAVE ALWAYS TRIED MY BEST TO KEEP MY IDENTITY SAFE. I DID ALL THAT I COULD DO TO AVOID THIS TYPE OF THING FROM HAPPENING TO ME. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Enterprise Systems, Inc.
State: AZ

Complaint narrative:
I submitted a complaint on XXXX. The company responded on XXXX but did not address my complaint. I have since tried to contact them by phone and email to which they have not responded. Original complaint XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
Ive had an auto loan with BMW Financial Services since XX/XX/XXXX and was never 30 days late up until the time of XX/XX/XXXX when my vehicle was stolen. My vehicle was paid off completely by XXXX and GAP Insurance on XX/XX/XXXX and I began an agreement verbally with BMW customer service rep to pay {$100.00} per month directly to BMW until the remaining balance of {$2800.00} was paid off. During this verbal agreement I was never informed that if my balance was not paid off in full within 6 months my account will be placed in a collection recovery status, which will negatively impact my credit report as it recently has. Ive reached out to BMW and spoke with a female operator name XXXX who informed me that BMW doesnt have to tell their customers that important information, which is very unethical, unfair and should be illegal. 
My car payment was {$850.00} per month which I paid consistently for over two years and if I was made aware when I was offered the payment arrangements that they would put my account in collection recovery status I would have paid this off before my good standing account was damaged. Because of what BMW did with this account this I was denied a business loan opportunity!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation
State: FL

Complaint narrative:
I tried to take money out the ATM on three separate occasions and each time the money did not dispute. It was over XXXX that did not come out the ATM. I assumed the transactions would fall off, however they didn't and I filed a dispute with Card.com. I called in today and I was told that no error occurred and that I'm going to have to take it as a lost. I'm refusing to do that. I've had fraud and many other things happen on these card.com cards and even though I've sent in plenty of evidence showing the fraud by sending police reports they still deny everything. At this point is sickening but this one I will not allow. This company does not project its card users against fraud or any other type of transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Comenity Bank has been making harassing/repetitive calls to collect a debt. Just within the last 7 business days they have called a total of 38 times using a variety of different numbers as well as blocking their number. 

XX/XX/XXXX XXXX XXXX  Blocked XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  Blocked XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX Blocked XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  Blocked XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  Blocked XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  Blocked XX/XX/XXXX XXXX XXXX   Blocked XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  Blocked XX/XX/XXXX XXXX XXXX  Blocked XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Blocked XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  Blocked XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   Blocked XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Blocked XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Blocked These types of calls go on beyond those dates but that is all I currently have logged on my phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-16 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: AZ

Complaint narrative:
For the last few months XXXX, XXXX  an Experian have laced my credit report with false entries of more than 40 hard inquiries and refuse to remove them. They are obviously misreported inquiries from businesses I have never applied to. Remove all except one XXXX for my car. 
Now I am a victim of poor credit because of this problem fraud by credit bureaus. 
XXXX, XXXX  and Experian refuse to raise my score. They give the lowest credit scores and this is fraud. Raise my score. 
XXXX  refuses to remove XXXX XXXX XXXX XXXX for this is a fraudulent loan. It is not mine. Remove at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: AZ

Complaint narrative:
Equifax has been selling my info without me knowing ( illegal ) and now I have over 40 hard inquiries. remove all at once. 
I now have misreported inquiries that do not belong on my credit report. I did not authorize. This is fraud. 
Remove XXXX XXXX XXXX for this is a fraudulent loan and is not mine. 
Equifax needs to raise my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
PayPal lists the following policy on its website regarding refunds for items processed by PayPal : <If you dont have a PayPal balance or money waiting to be accepted, the entire refund will be issued from the primary bank account linked to your PayPal account. It usually takes up to 5 business days for bank payments to complete. Even if the refund status says " Completed '' in your PayPal account, it could still take a few days for the bank to process it ( every banks processing times are different ) .> Link : https : //www.paypal.com/us/smarthelp/article/common-questions-about-issuing-refunds-faq3214 However, PayPal does not apply this policy to XXXX transactions and requires the full balance to be present in PayPal. PayPal will not debit a bank account via an echeck in order to process the refund. Instead, PayPal requires a manual transfer of funds from a bank account in order to process a refund. 

PayPal customer service hung up when called about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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:
I have disputed XXXX XXXX account several times in the last two months. Comes back verified and FCRA meets requirements. The last payment dates differ from all bureaus along with account number. At this point it violates my rights and I request for this account to be permanent deleted off 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 2020-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAVALRY INVESTMENTS, LLC
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: AZ

Complaint narrative:
XX/XX/2020 My most recent Experian Credit Report shows that's I have : 66 charge offs!!! 
and 40 hard inquiries!!! 
Remove XXXX XXXX XXXX immediately. It is a fraudulent loan and is not mine. FCRA.

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