vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ASTA FUNDING INC.
State: OR

Complaint narrative:
ON WEDNESDAY XX/XX/XXXX ... XXXX XXXX XXXX SENT A GARNISHMENT TO MY EMPLOYER. I DID SOME RESEARCH AND REALIZED THE JUDGMENT WAS DISMISSED. THEREFOR I WAS NOT RESPONSIBLE FOR THE DEBT ANYMORE. THEY ARE TRYING TO COLLECT FOR A JUDGMENT THAT IS DISMISSED AND THERE IS NO GROUNDS FOR THE GARNISHMENT. THERE IS ALSO NO JUDGMENT ON MY CREDIT REPORT HISTORY. I HAVE ALREADY EMAILED AND FAXED THEM A COPY OF THE COURT CASE THAT I FOUND ON OREGONS PUBLIC COURT 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 2018-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/2017 it was reported that someone opened up an XXXX XXXX XXXX XXXX and was approved for XXXX without my knowledge. The company reach out to me about missed payment up to {$900.00}.

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 2018-08-27 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: FL

Complaint narrative:
XX/XX/2018, for four months I have been attempting to access my completed disputes. All they say is we are sorry you can't access the information and I'll transfer you from dispute resolution to customer service and then it is back and forth. apparently they have been working on their system for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: LA

Complaint narrative:
XXXX XXXX and XXXX XXXX are both trying to collect on a debt I do not owe on Equifax. Not only is this debt not mine, They are in clear violation of the FCRA for DOUBLE REPORTING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27 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: MS

Complaint narrative:
Transunion customer service would not help and take care of the negative inquiries on my report. 
1 ) XXXX XXXX  XX/XX/XXXX 2 ) XXXX XX/XX/XXXX 3 ) XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) 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 2018-08-27 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: TX

Complaint narrative:
On XX/XX/XXXX, I sent my first dispute to the 3 major credit reporting agencies, the dispute was in focus with me being a victim of identity theft. The CRA 's have made no attempt to resolve and respond to me although the Congressional act of FCRA 605B states that a victim with legal stated proof shall have the identified accounts removed from the personal credit 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 non-monetary relief
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In XX/XX/XXXXI opened an account with XXXX for a credit card with a limit of {$200.00}. After several months I was unable to make the payments, as I was not working. In XX/XX/XXXX I moved from XXXX to XXXX. As of the year XX/XX/XXXXI began receiving calls from a company called XXXX XXXX claiming I now owed over {$2000.00}. on this debt. On XX/XX/XXXX I was summoned to court and was convinced to make a payment arrangement with XXXX XXXX even though I was unaware and or not made aware of that the Statute of Limitations had most likely ran out on this debt. I paid XXXX XXXX from XX/XX/XXXXuntil about XX/XX/XXXX a total of {$450.00} and could no longer make the payments due to being out of work. On XX/XX/XXXX the County Court granted a final judgement to XXXX XXXX. I do not believe I have seen documentation of this judgement until XX/XX/XXXX. My signature is not on this document. On XX/XX/XXXX, I happened to notice money missing from my paycheck. I looked at the Pay Statement to find that {$220.00} had been taken for Garnishment. Apparently, a hearing took place on XX/XX/XXXX, at the County Court without my knowledge, to grant a Writ of Garnishment to Asset Acceptance. I was never notified of this, nor was a given a chance to explain, defend, or oppose this action. Nor was I made aware of that I could file an Exemption for Head of Household, as I provide at least 70 % of the household income for my Spouse and myself. I tried calling several attorneys, but the only suggestion they make is to file bankruptcy, which for me is not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2018, I placed an order for a book on XXXX XXXXInitially the book was not delivered. However, it was later found and delivered. At which time I realized that it was the wrong book. In such case, the book was sent back and received by XXXX. The problem so far has been about receiving back the prize that was paid for the book. I paid the sum of {$120.00} for the book and it was charged to my XXXX credit card. However, after having returned the book. My account was credited with only {$16.00}. Leaving my account short {$100.00}. After having contacted XXXX about the discrepancy, I feel I am being given the run around. I received a reply e-mail that states that it would take sixty days to investigate something so obvious. In such case, I called their customer service and I was told it was an issue with XXXX not the bank. However, from my perspective as their customers it makes no difference to me. Plus the purchase was paid for with an XXXX credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: MI

Complaint narrative:
Caller said they were trying to collect a debt. I have no debts and am not late or past due on any thing. Used a name that was not understandable and I told them to stop calling. They could not state anything about debt were very rude. Have had repeated calls for same thing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I applied for a Citibank card that advertised an introductory rate of 0 % APR for the first 18-months. I applied on the phone, and the Citi representative confirmed it was a 0 % APR card. When I received the card in the mail, the paperwork stated the APR was roughly 15 %. I called Citi and they confirmed that they do offer a 0 % APR card, but for some reason the Citi rep I spoke to while applying for the card lied to me, OR they submitted my application for the wrong card. I cancelled the card I received.

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 2018-08-27 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Ameritech Financial
State: FL

Complaint narrative:
I signed up for what I though was a student loan forgiveness program through Ameritech financial and through my authorization have been having {$99.00} debited out of my checking account for more than 24 months. I just learned the funds are not being applied to my student loan through the Federal Trade Commission via letter and email. After confronting Ameritech about this matter, the company denied the allegations, however agreed to close my account as I wished but did not offer to return any funds that I have paid. I have since had to contact my loan servicer to bring my student loans up to date as they were showing I was in default. The company mislead me by contacting me through the mail and giving me false information as to how my student loan would be forgiven. Ameritech stated that my loan only had to be paid for 10 years for forgiveness, and if I listed family members of at least 10 people who received more than half of my support I would have an easier chance of being approved. After sending them all of my information Ameritech said I was approved, and my payments began. All of my payments were electronically submitted and my bank statements has all of the total payments.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-27 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Good afternoon my name is XXXX XXXX someone else is using my Social Security the name is SYNCB international credit cards/ airlines as shown on my credit report. I already contacted XXXX. I fax them with all the poofs I had. But they keep coming back on my credit report with the same name. I really need a help. Thanks

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 2018-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: AL

Complaint narrative:
I just checked my credit report and XXXX XXXX have four accounts listed on my credit report from XXXX XXXX XXXX XXXX XXXXXXXXi have never have a contract with these companies. i did not receive anything in the mail saying I have a right to dispute this debt. This company hold four accounts with my name social security number address date of birth without my permission which is identity theft.They bought these accounts from another collection company. This company needs to delete my personal information out the database.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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:
I submitted the proper paperwork to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them. I contacted Equifax and they told me it would take 30 days, however the Fair Credit Reporting Act says the accounts must be verified or blocked in 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I received a credit alert on XX/XX/2018 that a new collection was reported as derogatory on my credit report. It shows AD ASTRA RECOVERY SERV. I am unaware of who that company is and I have requested VALIDATION of the debt but have not received anything. I have tried calling the company and only got the run around. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical  verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts mentioned. Failure to positively verify these accounts has hurt my ability to obtain a home mortgage loan. Under the FCRA, unverified accounts must be removed and if AD ASTRA RECOVER SERV are unable to provide me a copy of verifiable proof, they must remove the account being mentioned immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was the victim of a phishing fraud from another country chase bank allowed transactions to be disputed without my permission now they will not refund money that was stolen I believe chase has someone working with to aid the criminals also believe chase bank violated regulation e of the financial conduct code

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
XXXX  XXXX in XXXX, TX submitted a debt to National Credit Systems under my name that was attached to a different tenant. I never lived there, I simply applied but did not move forward with the lease. Both XXXX XXXX and National Credit Systems were not helpful in correcting the situation. They repeatedly gave me the run around and treated me rudely ( NCS ) when in actuality I was only trying to correct an error on their part. NCS would not direct me to the correct departments or provide helpful information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Global Credit & Collection Corporation
State: OH

Complaint narrative:
On Friday, XX/XX/2018, XXXX XXXX called my place of employment ( XXXX XXXX  ) and demanded to speak to me. Our receptionist told XXXX that I was teaching and could not leave my class to answer the call. Our receptionist said that XXXX went " crazy '' on him because she didn't like his answer. Our receptionist said that XXXX was rude, unprofessional and would not stop yelling at him. XXXX told our receptionist that she was on her way to serve me papers, and that everyone should be prepared. Our receptionist gave me the following contact information : XXXX XXXX, ( XXXX ) XXXX, and my case number. Note : XXXX would not release the name of her company. 

XXXX called back a few minutes later and got the second receptionist at the school office. Yelling again, XXXX told the receptionist that she needed to make sure that someone was there because she was coming to serve me papers that afternoon. In fear, this receptionist transferred the call to my supervisor ( school principal ). The principal told XXXX that she would take a message. 

Given XXXX 's aggressive nature and potential hostile situation, the Principal summoned the city police to the school office!!! 

When I was called to the Principal 's office, I was met with the school principal, our Superintendent, and the city police - not to mention a few other building teachers who walked in to see what was going on. 

XXXX 's unlawful behavior caused me a great deal of humiliation and scarred my reputation that I have established in the past 22 years at the school. 

Please help me close down this unlawful company so they can not continue to ruin one 's employment, character and livelihood!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: IN

Complaint narrative:
I directly contracted the company, AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX, NV XXXX and asked that this debt which is showing as a collection on my credit be removed. The original creditor is listed as XXXX XXXX. I have never lived in Nevada, have never had an electric/light bill in NV, and do not owe this money. I've also contact the credit bureaus to dispute this, but they stated that the collection agency reported it as valid and put it back on. At this point, I don't know what to do. I've never owed this money, and I don't want to pay it, but it's negatively impacting my credit score.

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 2018-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Good day. My names is XXXX XXXX and this is my second complaint in reference to my Capital One 360 Checking account. I sent your agency a complaint back in XX/XX/XXXX in reference to Capital One closing my without notice. I received an letter from Capital One on XX/XX/XXXX, from XXXX XXXX. in his letter he stated that he need to verify my ID and requested that I contact him. I called XXXX XXXX on XXXX ext XXXX and left plenty of messages but he has failed to return my call. Again Capital one continued to hold on to my money and has not communicated with me in reference to the account. I hereby request your assistance again with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
On XX/XX/2017 One main financial pulled my credit report for an application I never requested, applied for, or knew anything about. I have written letters to the company, disputed my credit report, and almost a year later, still no response and no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I sent out a letter to diversified consultant ( around XX/XX/XXXX or XX/XX/XXXX ) that I never had a debt of approximately {$1000.00} from a XXXX account because I never had service with XXXX. they sent me a random phone bill with a number I never owned. they removed it off of my account for one day in XX/XX/XXXX but was added back. they refuse to delete this account! Clearly I have been a victim of fraud and they can not prove this is my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was put in collection in error in 2017, I had contact the XXXX   office numerous of time advising them that there were a check issue for XXXX XXXX for amount of {$2100.00} and for XXXX XXXX {$6500.00} which was made out to my Ex-husband which he admitted taking the checks for his personal use, I contacted the XXXX XXXX spoke with XXXX regarding this matter fax over all documentation from the court hearing and still no luck. I checked my Credit report with XXXX, Transunion, XXXX   and all three creditor has me in the report giving a BAD score. This has affected me personally I'm in distress can't buy a house because this is in my credit report for all three bureau. The responsible for this monies own to any/and all XXXX  is my ex-husband which can be verified by the attached divorce decree holding myself harmless for any monies owned to this XXXX   XXXX XXXX {$69000.00} and XXXX XXXX {$2100.00}. Please help me I have already attempted with all three credit bureau send all court order plus hired a lawyer to go back to court I'm out of resource of how to flight this error with the credit bureau I need my name to be clear in order for me to purchase a House. Thank you for your time. Have a blessed day.

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 2018-08-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: NV

Complaint narrative:
I have been working with SN Servicing for quite some time to reach some sort of settlement or loss prevention option. I have been assigned to a XXXX XXXX there who has been a nightmare to work with. Not only is she rude, but, she never returns any messages/emails etc. She has been difficult to communicate with and when we do, she seems to be really rude and impatient. I submitted my file over to her XXXX weeks ago on XX/XX/18 and she still has failed to call back. When i do call into their company they advise that they will have the file escalated to her Manager but nothing happens. Since the XXXX weeks, I have now received foreclosure notices on my door. I don't know what to do at this point as this have been increasingly frustrating.

Company response to consumer: Closed with explanation