vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I had a military star credit card with XXXX while I was XXXX XXXX. When I separated, I experienced a financial hardship when I left my husband due to extreme circumstances. I started to get letters from XXXX XXXX XXXX in the mail. I immediately began attempting to contact them, and have never been successful. I have used their website to send messages, contacted them via e-mail, called by phone multiple times, even left voicemails with my name and phone number. I can prove all of this. 
Despite my efforts to make payment arrangements multiple times, my tax refund was garnished, which paid most of the debt. Now, XXXX is attempting to collect way more money than I actually owe. My statement with XXXX comes regularly, and as of today ( XX/XX/2019 ), it shows {$2900.00}. Yet, I got a letter from XXXX saying I owe {$3400.00}. This is absolutely unacceptable and a lie. Interest is already charged by the XXXX. I have read multiple complaints about XXXX taking far more money than owed by veterans. 
I, yet again, attempted contact via website message as well as phone and voicemail. Depsite this, I recieved a letter from my employer stating 15 % of my pay will be garnished starting next month. I am a full time working, XXXX XXXX XXXX, mother, XXXX, and a veteran of the US XXXX. I really feel that this company is out to get me and when I start losing 15 % of my pay, I will be in extreme financial hardship. I understand I owe the money, but I have been trying to pay it. I'm not sure what else I could possibly do. Someone PLEASE help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Direct Recovery Services, LLC
State: CA

Complaint narrative:
Back in XX/XX/XXXXI was contacted by direct recovery service via text message and phones trying to collect a debt. The also contacted my mom and my sister regarding the debt and disclosed that info to them as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2017 to XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30 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: NC

Complaint narrative:
I have contacted Transunion on XX/XX/XXXX,XX/XX/XXXX and on XX/XX/2019 I sent a certified letter advising that there are multiple inquires on my credit report that are not authorized. I have contacted the companies. I have also provided Transunion a copy of my Identity theft report to advise that I have been a victim of identity theft. I am upset that although I have provided them with the necessary information they still continue to not remove the inaccurate information from my report. If this can not be rectified I will seek legal action. There is no reason why the information should not be removed if the proper documentation is being provided to you

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 2019-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I had a military star credit card with AAFES while I was XXXX XXXX. When I separated, I experienced a financial hardship when I left my husband due to extreme circumstances. I started to get letters from XXXX XXXX XXXX in the mail. I immediately began attempting to contact them, and have never been successful. I have used their website to send messages, contacted them via e-mail, called by phone multiple times, even left voicemails with my name and phone number. I can prove all of this. 
Despite my efforts to make payment arrangements multiple times, my tax refund was garnished, which paid most of the debt. Now, XXXX is attempting to collect way more money than I actually owe. My statement with AAFES comes regularly, and as of today ( XX/XX/2019 ), it shows {$2900.00}. Yet, I got a letter from XXXX saying I owe {$3400.00}. This is absolutely unacceptable and a lie. Interest is already charged by the AAFES. I have read multiple complaints about XXXX taking far more money than owed by veterans. 
I, yet again, attempted contact via website message as well as phone and voicemail. Depsite this, I recieved a letter from my employer stating 15 % of my pay will be garnished starting next month. I am a full time working, XXXX XXXX XXXX, mother, XXXX, and a veteran of the XXXX XXXX. I really feel that this company is out to get me and when I start losing 15 % of my pay, I will be in extreme financial hardship. I understand I owe the money, but I have been trying to pay it. I'm not sure what else I could possibly do. Someone PLEASE help 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 explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc.
State: KS

Complaint narrative:
XX/XX/2019 I noticed a new collection account on my XXXX credit report. Account name is FIRST COLLECTION SVCS stating a debt all of the sudden out of nowhere for {$320.00}. Also on XXXX as Account name ICS. Both stating original creditor to be XXXX XXXX XXXX. I do not owe said bill, I have no outstanding utility bills. I disputed the collection stating " no contract, no validation of debt ''. Dispute is complete and item was not removed nor anything showing this was my debt. I have left voicemails to collection company. I do not understand how this utility bill they state it is from can show up out of thin air all the sudden when i do not have any past due items, especially and confidently Utilities ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello, I was involved in my XXXX scam through my chase bank account. Me, and 50+ others rented a short house for the summer. I paid the man running the shorehouse XXXX beginning on XX/XX/XXXX and ending on XX/XX/XXXX. We had been in constant communication. On XX/XX/XXXX we went to the house to move in and were informed the landlord and realtors had not received that payment we all made. The individual took off with XXXX of my money and XXXX of others. This is not his first fraudulent scam and chase and XXXX are unwilling to help me to recover funds and they are not working track down the account to stop this man from committing another scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: CASHCALL, INC.
State: AE

Complaint narrative:
I had an account with XXXX XXXX XXXX XXXX prior to moving overseas. I turned the equipment in and received a yellow slip confirming my return of the equipment. I satisfied the remaining balance and the company sold the account to XXXX, XXXX. I've disputed this account with my credit bureaus and the company continues to come back saying the information is correct. I have no account with XXXX and have asked that they provide a signed agreement between their company and me if they will continue alleging this is a valid collection. 

XXXX XXXX XXXX XXXX  : They've charged off my account, but haven't given any information on what to do next. I called each month in 2017 asking where to pay my balance and was told the company charged my account off and they couldn't take payment to settle the amount shown as owed. It still shows as a balance due and I don't have the title. I've not been given options to satisfy the account. 

Cash Call : This is too old to be on my report. It was discharged in Chapter XXXX Bankruptcy 4 years ago and has inaccurate data.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I XXXX XXXX ; XXXX and writing you today as an aggrieved man. I filed a claim with Santander bank regarding my stolen debit card and or information. There were various unauthorized charges made against my checking account without my permission and or knowledge. I advised Santander bank of this ; the claim amount came to XXXX. Santander bank gave a provisional credit to account and then ruled against me, taking the credit back thus overdrawing my account. I wasnt even given the entire amount stolen from me back. I humbly request Santander fix their mistake and the XXXX be put back into my account immediately. Thank you.

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 2019-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
I was XXXX turning XXXX at the time this account was opened by my mother without my consent. Verbally or written. I had no knowledge of this account being open. As i was a minor just turning XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
I was contacted by Caliber Home loans associate named XXXX in the re-finance department she wanted to go over some options for a possible refinance she told me that she would just be Checking rates to see if it was possible to lower my payment I asked her twice if she would be pulling my credit report report and she said No because is not needed to check rates I know that to be true because I spoke with XXXX XXXX XXXX XXXX and did the same thing and they did not pull my credit. she never once stated or ask me for my permission to pull my credit report I woke up this morning on XX/XX/2019 and my credit report has been pulled a Caliber Home Loans without my consent. I know thats against  CFPB rules

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: CA

Complaint narrative:
XXXX XXXX is the leader in reinserting disputed debt already removed from the credit reports from ID theft this was found to be fraud be XXXX and the CRA s in 2015 and removed from my credit already. 

I have Attached several documents and relation to this issue Including a Nother updated FTC fraud report stating the same, my ID and other comments in the web regarding this companies business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30 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: MI

Complaint narrative:
I recently discovered 2 fraudulent accounts reporting to my credit report. Ive always paid all my accounts on time and these accounts DO NOT BELONG TO ME. the accounts are as follows XXXX which was opened on XX/XX/XXXX with a balance of {$350.00}. the other account is XXXX XXXX which was opened on XX/XX/XXXX with a balance of {$960.00}.

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 2019-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
This account was opened fraudulently without my knowledge and or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: Ability Recovery Services, LLC
State: CT

Complaint narrative:
Abilityjy recovery XXXX. XXXX  XXXX premier credit card wish was payed off because there card was so high intrest I closed it payef and closed it I claimed about them XXXX  I never used but one for XXXX dollars closed that then they tell years later someone used the card its been closed it still on my credit ability I don't even know what its for I don't have anything g with them then I have inquiry s on me credit and loan I have never done now my daughter is XXXX XXXX but o e the address is hers try to repair this and they also have me with XXXX I have been divorced for XXXX yrs we have nothing together

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 2019-05-30 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: NJ

Complaint narrative:
The collection account appearing on my reports from XXXX XXXX XXXX is fraudulent. I've never had a XXXX account. The account was opened up fraudulently without my knowledge and or permission.

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 2019-05-30 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to Chase Mgt to ask them to delete my incorrect account on all 3 credit reports. There was incorrect information they were reporting to the Credit Bureau 's. 

On XX/XX/XXXX I received a letter back from Chase Mgt stating they were unable to process my request because they claimed that my loan is no longer on their records. 
Since the loan is no longer on their records, they should not be reporting an account that does not exist to the Credit Bureau 's. 

On XX/XX/XXXX I sent another letter stating : Since you were unable to process my request because my loan is no longer on your records. According to my credit report, you are still reporting this account. Please delete this account immediately. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

I did not hear back so I sent in another letter on XX/XX/XXXX stating : Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Chase Mgt failed to delete my account from XXXX Credit Bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: MI

Complaint narrative:
On XX/XX/2019 I sent a certified letter to XXXX Mgt to ask them to delete my incorrect account on all 3 credit reports. There was incorrect information they were reporting to the Credit Bureau 's. 

OnXX/XX/19 I received a letter back from XXXX Mgt stating they were unable to process my request because they claimed that my loan is no longer on their records. 
Since the loan is no longer on their records, they should not be reporting an account that does not exist to the Credit Bureau 's. 

On XX/XX/2019 I sent another letter stating : Since you were unable to process my request because my loan is no longer on your records. According to my credit report, you are still reporting this account. Please delete this account immediately. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

I did not hear back so I sent in another letter on XX/XX/2019 stating : Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

XXXX Mgt failed to delete my account from 2/3 Credit Bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax online dispute process has a known issue with consumer access to dispute results and experiencing " Technical Difficulties '' I tried multiple times to access my dispute results online but the system is not working. I tried calling an agent but Equifax was having computer outages. I requested a callback but Equifax could not verify the number they would be calling from, saying it would be a private number that returned my call. I requested my Equifax credit report on XX/XX/19 along with XXXX  and XXXX through XXXX XXXX @ XXXX. I have received both XXXX   and XXXX report in a timely manner but Equifax has not sent my credit report. Additionally, I have requested the dispute through mail on XX/XX/19 but have not received it. On XX/XX/19 I was informed through an online chat with Equifax representative I only have 30 days from the date of the dispute results to reply with additional information. The dispute results were completed on XX/XX/19. I have neither a copy of my Equifax Credit File or the dispute results. The option of reviewing my credit file with an Equifax representative telling me what is on the file by phone is absurd.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/2019 at approximately XXXX XXXX ( est ) I contacted Chase Bank regarding an email I received and thought it to be suspicious. The email stated that my personal phone number had been deleted from my account and if I did not request this change to contact Chase immediately. I did not request my number to be deleted so I contacted Chase. I spoke with one representative and to a supervisor regarding my concerns. The supervisor for online was XXXX and she could not answer me if this email was indicating fraud on my account. I told her repeatedly that I did not request my number to be removed but she kept saying she could not confirm that it was Chase or someone else that removed my number.

Company response to consumer: Closed with explanation