vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-04 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: Credit Karma, LLC
State: FL

Complaint narrative:
XXXX ) .XXXX County.Clerc Of The Circuit Court Style : XXXX XXXX XXXX XXXX XXXX Morgtgage Pass-Thtough Certificates SeriesXX/XX/XXXXXXXXXXXX XXXX XXXX Case # XXXX Clerks Case Number:XXXX Court Type : Circuit Civil Case Type : Homestead Residential Foreclosure Judge : XXXX XXXX XXXX Case Status : Disposed Last Docked Date:XX/XX/XXXX Filed:XX/XX/XXXX. 

XXXX, XXXX ( Plentif '' s Attorney ) XXXX XXXX Fl, XXXX Amout Assesses {$1900.00} Amount paid {$1900.00} I never been a Tenant of XXXX XXXX, and never lived at this address. 

2 ). Style : XXXX XXXX vs XXXX XXXX Uniform Case # XXXX Clerk Case # XXXX Court Type : Circuit Civil Case Type : Non-Homeestead Residential Foreclosure Judge : XXXX, XXXX XXXX Last Docket Date:XX/XX/XXXX Disposition Judge : XXXX, XXXX I never been contacted about that even. I never been her Tenant. Amount paid {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have 2 collections on my report inwhich I have disputed before and never received any documentation to the claims, but in the process I been mentally harassed by the fact. According to FCRA, if the claims do not follow with proof of such then the account should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: MO

Complaint narrative:
I Found a new collection on my credit report today from XXXX XXXX I do not have a account With them also did not authorize anyone to open a account with them or any fraudulent account that may have been opened in my name. I am a victim pf Fraud also a security breach. This is not my account .I was given a account opened XX/XX/2017 by XXXX XXXX of {$350.00}, I already have fraud alerts on my credit report which have been in place.I advised the rep this is fraud and I need this removed from all 3 credit bureaus within the next 5 days. Information he verified wasn't accurate. I have no kcontract with this company. I also have a theft report with the ftc

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 2018-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
Navient keeps calling my parents looking for me and college debt. I didn't borrow for college. I called them on XX/XX/XXXX, and gave them my info. Their reply, you have NO loans. We will take you off the call list. They admitted they get the numbers by XXXX person and city. I asked for confirmation from supervisor. gave them 2 emails addresses. NOTHING. Now they are calling again less than a week later.

FYI. kids college loans are paid off too.

WHAT GIVES??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I contacted Synchrony XXXX in XX/XX/2018. I have asked them to provide me with specific information regarding the account in question. XXXX They have failed to provide me with the requested information, but instead provided me with a letter stating they have no record of the account in their system. They did not send me a contract between them and I showing that they in fact do own the debt and or that they do indeed have legal rights to collect on the said debt. I have contacted them and asked them to remove the erroneous information from my account, but they refuse to do so. My next step is my attornye sending them a letter stating my intent to sue.

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 2018-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I contacted Kohls Department Store Card in XX/XX/2018. I have asked them to provide me with specific information regarding the account in question. XXXX They have failed to provide me with the requested information, but instead provided me with a letter stating they have no record of the account in their system. They did not send me a contract between them and I showing that they in fact do own the debt and or that they do indeed have legal rights to collect on the said debt. I have contacted them and asked them to remove the erroneous information from my account, but they refuse to do so. My next step is my attornye sending them a letter stating my intent to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Total Card, Inc.
State: CA

Complaint narrative:
I paid the entire balance of the account off XX/XX/2015. I spoke with customer service they provided me with the codes and information to pay via XXXX XXXX. 

The problem is that the payment was not posted on the Consumer Credit Reporting Agencies as paid. It was initially reported as an un paid charge off. I complained they later changed the status as a charge off paid to another creditor. I paid the original creditor XXXX XXXX. I ended up having several heated exchanges with XXXX XXXX 's representatives. Eventually, I was able to speak to a representative from XXXX XXXX who assured me that the information would be updated and corrected on my consumer Credit Reports. It has not been corrected. A new creditor I believe who recently acquired XXXX XXXX is now incorrectly reporting that I have a charge off with their institution. 

I am concerned that the repeated reporting of incorrect information regarding my account with XXXX XXXX is a result of several contentious conservations with their employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I contacted XXXX in XX/XX/2018. I have asked them to provide me with specific information regarding the said account of XXXX. They failed to provide me with the requested information, but instead provided me with my name, the last 4 of my social, and the amount supposedly owed. They did not send me a contract between them and the alleged original creditor showing that they in fact do own the debt and or have rights to collect on the said debt. They did in fact send me a falsified document that supposedly came from the original creditor, but when contacted the original creditor had no knowledge of the alleged debt, nor the letter that was sent by XXXX XXXX XXXX, which leads me to believe it is a document they created themselves and used the original creditors information and logo fraudulently. I have contacted them and asked them to remove the erroneous information from my account, but they refuse to do so. My next step is sending them a letter stating my intent to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
Received a title loan which wasn't properly explained and I didn't understand the terms and now I owe much more and they call constantly to collect money with additional fees and interest that I didn't agree to. I would like to pay off the debt, but I am unemployed and looking for work. I will soon have a job and would like to keep my car for work purposes. I am willing to discuss payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I contacted Midland Funding LLC in XX/XX/2018. I have asked them to provide me with specific information regarding the said account of XXXX and account XXXX. They failed to provide me with the requested information, but instead provided me with my name, the last 4 of my social, and the amount supposedly owed. They did not send me a contract between them and the alleged original creditor showing that they in fact do own the debt and or have rights to collect on the said debt. They did in fact send me a falsified document that supposedly came from the original creditor, but when contacted the original creditor had no knowledge of the alleged debt, nor the letter that was sent by Midland Funding LLC, which leads me to believe it is a document they created themselves and used the original creditors information and logo fraudulently. I have contacted them and asked them to remove the erroneous information from my account, but they refuse to do so. We are already in court over account XXXX and my attorney is prepared to present this case. We are submiting this claim to help future concumers and to also show that we exahalted all revenues to remedy the matter at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I called my bank to file a claim on some fraudulent charges on my business account. They closed my debit card and sent me a new one. My merchant sends deposits through my debit card and my deposits are missing from theXX/XX/XXXX when I received and activated my new card. My merchant says they have traced the money back to Wells Fargo and they have definitive proof Wells Fargo has not sent back my deposit and has my money. I have spent over 12 collective hours on the phone and been to the bank at least 4 times. Wells Fargo claims they do not have my money. Somehow {$1000.00} worth of deposits is just missing? My merchant is XXXX. I have been with both companies 7 years.

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 2018-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I attempted to dispute this with the credit bureau, Equifax. However, their webaite continues to advise that I have my information wrong. I was only putting in my personal information. It has stated that for 2 days. 

I submitted loan discharge paperwork to XXXX. The debt with XXXX qualifies to be deleted and discharged due to the qualifying event provided in the paperwork. The department of education advised me to file this paperwork based on the qualifying event. This tradeline needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Midwest Recovery Systems
State: TN

Complaint narrative:
This account is not mine. This company is in violation of FCRA by reporting false information. I have never heard of this company and have never done business with them. I have not received a dunning letter before attempting to start collection practices. I will also be contacting my state 's attorney generals office in regards to this erroneous reporting and this company business practices as well. Midwest Recovery VIOLATED my rights under FDCPA rules by NOT NOTIFYING me of this attempt to collect a debt. They have until the end of next week to remove the erroneous reporting off the three major credit bureaus or I will file a lawsuit. I have send my attorney a copy of the this complaint as well. Please give this the immediate attention it deserves.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: NV

Complaint narrative:
OnXX/XX/XXXX at XXXX, I received a text msg from citibank fraud dept. that they allow a transaction from XXXX with the amount approximately of XXXX and XXXX. I immediately replied " NO '' and called them right away. They cancelled the card and reported it stolen. But they rollover the said transactions on the new card. Now, amounting to about XXXX and XXXX. I disputed the transactions again on XX/XX/XXXX.  Which they resolved. But nowXX/XX/XXXX, the XXXX transactions showed on my account again but went up to XXXX and XXXX. I don't have a XXXX app nor have I used XXXX as a transport. I called them and they cancelled the card right away. I don't know what to do at this point it looks like they've been ignoring my complaint. I already informed them to block any transactions from XXXX when I called them last 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 2018-04-04 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: Recovery Solutions Group, LLC
State: FL

Complaint narrative:
After numerous attempts explaining that the debt is not valid, they've continued to harass us and threaten legal action. Coincidentally, on XX/XX/2018 the company Recovery Solutions Group ( rsgcollect.com ) sent out an email with a trojan horse virus suggesting it was a real Word document. We believe they now either have a security breach or have attempted to illegally infiltrate their customers systems. We hope it is more of a security breach, but they have not made any attempts to clarify even after I personally contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Its been well over 6 month and I have been battling XXXX to review my letters and and remove the remaining collection accounts. The accounts in question have been updated to 3 collections. They changed the accounts to show that they are recent collections of a month ago when I solicited your help in the matter. All they did was close them, and updated the acoounts to a recent collection/late status when they are not even my accounts. 

The accounts are not mine, and my score has now decreased because of their change of status to closed collection. 

The accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX ( recently added ) XXXX XXXX act # XXXX These accounts are not mine. Experian has spitefully added them as a collection late-closed status due to my request that you investigate this on my behalf. Like I said, my credit score has gone down to my request to you to investigage. Please help. Experian is clearly retaliating against 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 2018-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
when i first started financing the vehicle on XX/XX/2017 it was financed through santander consumer USA which my interest rat was 22 percent but i got a call from young blood XXXX where i bought the car they said the loan was sold to XXXX XXXX with a lower interest rate but when i looked at the paperwork it was 4 percent higher making it 26 percent making my payment almost nearly impossible to make on a loan that was XXXX XXXX dollars changing the total repayment after 72 months to XXXX XXXX instead of the XXXX XXXX i had initially signed for and I know they are the same business so i call and ask why they would not give me a straight answer then the car broke down and i had extended warranties and gap insurance also mechanical breakdown purchased from the loan company they denied to fix the car. i told them i would continue making payments it would just be about a month before i can get it fixed because it was almost XXXX bucks to fix a week went by and the dealership called XXXX XXXX  and told them to come reposes the car because i had abandoned it witch i had not i was in there every other day to check on it. all in all i believe this is violation of the truth in lending act and very wrong of them to trick me like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Previous CFPB XXXX. Company fail to dispute fraud charges : Account ending with XXXX. This company still haven't help me This is fraud charges : XX/XX/XXXX {$34.00}XX/XX/XXXX {$4.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$7.00}XX/XX/XXXX {$2.00} XX/XX/XXXX {$100.00} Please correct bill.

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 2018-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
We have been paying two payments of XXXX and XXXX a month to the credit card collection agency Weltman, Weinberg, and Reiss Co., LPA for over two years. This was a payment plan set up and approved by the agency and us. The monthly payments are automatically taken from our checking account every month so we've never missed a payment.This was debt incurred from two XXXX cards. Without any written or verbal notification to me, the above agency sent a court-ordered levy against our bank accounts ( one checking, two savings ) for over XXXX dollars. We owe them XXXX. They took XXXX dollars from our checking and over XXXX dollars from both savings accounts. My bank said they can not stop the levy so now our accounts are overdrawn by over XXXX dollars. This is a breach of our monthly payment agreement with no warning given. We have no other means. No way to buy food, gas, pay bills, or pay for needed medication.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
An unauthorized charge was made by XXXX on my account with my wife 's card. Despite calling my credit card company, and notifying them the charges were disputed, they refused to mark the charge as unauthorized, despite the fact they were notified onXX/XX/XXXX. 

XXXX XXXX Account ... XXXX {$100.00} XXXX XXXX PURCHASED BY XXXX XXXX TRANSACTION DATE Thursday,XX/XX/XXXX POST DATE Thursday, XX/XX/ MERCHANT LOCATION* XXXX WA XXXX MERCHANT CATEGORY CONTINUITY/SUBSCRIPTION MERCHANTS Questions about this purchase? Visit our Help page *The merchant location may not match the physical address where you made your purchase. It is common for merchants to use the address of a central branch, headquarters, etc.

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 2018-04-04 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: CA

Complaint narrative:
I have sent several letters to experian to provide proof or delete credit inquiries that I did not apply for. They have replied to me telling me to contact the companies that made the inquiry. I have contact the companies via phone, and they don't have records of me personally applying for credit. 

The companies I would like removed from my experian credit report are 1. XXXX XXXX XXXX   XX/XX/XXXX 2. XXXX XXXX XXXX of downtown XX/XX/17 3. XXXX XXXX XX/XX/XXXX They have been reported on the other 2 credit bureaus, but have been deleted as per their investigation. Experian intentionally keeps reporting the inquiries and it is affecting 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 non-monetary relief
Consumer complaint received 2018-04-04 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: MO

Complaint narrative:
Some of my personal information is incorrect and needs to be corrected. I was a victim of fraud and still living the nightmare.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX credit reporting agency had deleted an account XXXX XXXX XXXX off my account now they re-inserted it again. This account was deleted and should not be reinstated.

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