vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Account was placed on my credit.I have no knowledge of the account. I disputed the validity of the debt and I have been ignored. I discovered account number XXXX  from a company called National Credit Systems on my credit report. I never received a notice from them nor do I have any knowledge of the debt. I discovered the item on my credit. I sent them a certified letter on XX/XX/2019 and XX/XX/2019.... to date I have not heard back from them however, according to the bureau's they continue to verify the debt belongs to me- they wont even respond to me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: NV

Complaint narrative:
I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX with Transunion and XXXX for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please I’m looking to purchase a home.

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 2019-08-21 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am so confused on what is really happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked Equifax and XXXX where did they get this information and provide proof of ownership but not a single account was proven to be mine. The accounts don't belong to me..I know this is an error and I ask you to PLEASE Remove  XXXX XXXX   (Original Creditor: XXXX XXXX XXXX HOSPITAL) XXXX, XXXX  (Original Creditor: XXXX XXXX) XXXX, XXXX XXXX XXXX    (Original Creditor: XXXX XXXX XXXX XXXX) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: NV

Complaint narrative:
I requested Validation that this was my account. I sent a certified letter XX/XX/2019 and received no response. 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 2019-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I requested Validation that this was my account. I sent a certified letter XX/XX/2019 and received no response. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: NV

Complaint narrative:
I am so confused on what is really happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked XXXX  and Transunion where did they get this information and provide proof of ownership but not a single account was proven to be mine. The accounts don't belong to me..I know this is an error and I ask you to PLEASE Remove  XXXX XXXX  (Original Creditor: XXXX XXXX XXXX HOSPITAL) XXXX, XXXX  (Original Creditor: XXXX XXXX) XXXX, XXXX XXXX XXXX    (Original Creditor: XXXX XXXX XXXX XXXX) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: CA

Complaint narrative:
XXXX XXXX. Is a company I never heard of or Reposes Auto I sent a Certified letter to Trans Union and XXXX XXXX. asking for Validation that I had a loan form them for a car.

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 2019-08-21 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: NV

Complaint narrative:
The following inquiries were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information XXXX/XXXX, XXXX  , XXXX XXXX, XXXX XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21 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: EQUIFAX, INC.
State: NV

Complaint narrative:
The following inquiries were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information XXXX/XXXX, XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: APO LLC
State: IL

Complaint narrative:
I have 16 payday / installment loans. I live in the state of Illinois. I was not aware that, by law, I should not have been allowed to have more than three & that they should not total more than 22.5% of my income. Why 16 loans?  Because I was constantly trying to catch up one loan with another, thinking that once I brought the one down, I would be able to take care of the new one. Well one led to another and then another, all at astronomical expenses to my wallet. I recently found my checking account in the negative, because I just plain and simply could no longer handle the juggling act. I need help. I didn’t even realize that I had 16 loans, until I really began trying to get to the bottom of my financial crisis. Is this legal for companies to continually extend loans to me, without verifying whether or not I was at the maximum loan amounts for the state of Illinois? How can I get all of this debt off of my back? Is there help out there for my situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: NV

Complaint narrative:
The following inquiries were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information  XXXX/XXXX, XXXX   XXXX, TRANS UNION

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 2019-08-21 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I sent a Certified letter to Citi Financial on XX/XX/2019 asking for Validation stating that I was late and foreclosure on this account

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 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc.
State: NY

Complaint narrative:
The company McCarthy , Burgess and wolff, claim that they have tried calling me about this situation, however i have NEVER received communication from them until now, in which there threats for me to pay a debt unknown by me. I have never owned a “XXXX” phone or have done any business with XXXX, also, XXXX XXXX XXXX  is not associated with me and i have no knowledge of this whole situation. Attached is the first and only correspondence I received from MB&W. I ask the cfpb to assist me with this matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I booked a flight for XXXX on XXXX  via XXXX on XX/XX/2019 with my Chase XXXX credit card. I checked my account later that day and saw that the booming had vanished. I called XXXX  and was told it had been cancelled by the airline. I then received an email from XXXX  that XXXX had cancelled the flight. When I didn't get a refund I filed a dispute with Chase for XXXX The claim was denied by Chase because XXXX claimed that I had cancelled the flight reservation on XX/XX/2019, well beyond the 24 hour free cancellation period. Indeed I did receive an email from XXXX on XXXX XXXX that the flight reservation had been cancelled. XXXX used this as proof that I, not them, had cancelled the flight. I faxed my proof to Chase that XXXX, not I, had cancelled the flight the same day the reservation had been made. XXXX then changed their story and admitted that the reservation had been cancelled the same day, I.e. XXXX XXXX, and not XXXX XXXX But now their claim was that I, not them, had cancelled the reservation. XXXX claimed they do not have to follow DOT regulations for flights booked through XXXX. I have sent multiple faxes and emails and made multiple phone calls to Chase and they refuse to do anything, not even to acknowledge the many commucations I have had with them and refuse to give me back my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: MO

Complaint narrative:
Ad Astra sent me a collection letter for a loan that was previously paid to the orginial creditor. I have tried several times to dispute debt with my credit bureau with out any response from Ad Astra. I also sent them a letter asking for validation. No correspondence received. So finally I sent a payment to Ad Astra through my banks bill pay, and the next day also sent them a letter saying that they should have received payment for exact amount. Also that I was requesting validation of the debt. Did not receive. I also sent Ad Astra a copy of bank statement showing payment to the orginial creditor. I have attached all documents that I have in regards to this matter. And I want this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I discovered an account from 'XXXX XXXX on my credit report at least 4-5 years ago. I have been disputing it ever since I first saw it on my credit report. I never opened the account and I do not know who opened the account. Idid not give anyone permission to open an account in my name or with any of my personal information. 

I have contacted all three credit bureaus and filed a complaint of fraud and I have reached out to "XXXX XXXX" several times by alerting them of the identity theft. All of my attempts to resolve the issue has not been successful. The only removal off the credit report was done by XXXX. XXXX sent me a letter that indicates the debt was removed The debt is reported as " XXXX XXXX" original creditor XXXX XXXX. I have a PDF of the police report which is submit with the other dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KAHRS LAW OFFICES, PA
State: MO

Complaint narrative:
I have contacted Kahrs Law office in regards to a debt that is not owed, and they filed a suit against me. I have even submitted a complaint to my states Attorney General, and submitted a response. I have provided all of my documentation to them via mail, and the attorney general. They are trying to get me to pay the same amount that has been paid twice over. I called XXXX XXXX on XX/XX/XXXX to ask for the pay off amount was told it was XXXX, and paid it that same evening. Then XXXX XXXX withdrew several more payments from my bank account after the debt was paid in full. I disputed each one with my bank, and received my money back. And had to get new debit cards. Then they sent me to a collection company XXXX XXXX XXXX   XXXX XXXX. I requested validation without receiving any correspondence. Disputed with credit bureaus again no response. Sent them bank statement and letters. Again no response. I finally sent a payment through my bank account bill pay on XX/XX/XXXX. Also sent a letter to them stating that I sent a payment also no response. My bill pay with the bank I had at the time did not sent a paper check it was an electronic EFT. Sent a letter to XX/XX/XXXX saying that sent a payment , and again asked for validation with no response or validation received.  Mr. XX/XX/XXXX is trying to sue a person that does not owe a debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: IL

Complaint narrative:
I have 16 payday / installment loans. I live in the state of Illinois. I was not aware that, by law, I should not have been allowed to have more than three & that they should not total more than 22.5% of my income. Why 16 loans?  Because I was constantly trying to catch up one loan with another, thinking that once I brought the one down, I would be able to take care of the new one. Well one led to another and then another, all at astronomical expenses to my wallet. I recently found my checking account in the negative, because I just plain and simply could no longer handle the juggling act. I need help. I didn’t even realize that I had 16 loans, until I really began trying to get to the bottom of my financial crisis. Is this legal for companies to continually extend loans to me, without verifying whether or not I was at the maximum loan amounts for the state of Illinois? How can I get all of this debt off of my back?My Cash XXXX loan # XXXX  was initially for XXXX. I currently owe more towards the principal, than what I took in the initial loan. How is this so? My interest rate is 674% on XXXX? This feels like being kicked in the teeth, after being awakened from a very bad dream! This is not reality, for 674% interest is a long way from realistic! This is robbery!Is there help out there for my situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I mailed a payment to Midland mortgage XXXX XXXX,  when it didn't clear my account I called and explained I mailed it.  I learned from post office about fraud and mail Theft. Midland assured me if I could provide proof I would not be reported to the bureau.  I sent proof Midland mortgage is now ignoring me and when I call I'm being placed on hold and not helped.  XXXX XXXX falls on a Saturday yet Midland mortgage will not allow payments until XXXX XXXX and I don't want to be reported late because of this

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 2019-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
XXXX XXXX XXXX left a voice mail on my phone saying if I didn’t call back and make myself available at certain times so that they could come serve me, they would come to my work and serve me. I called them back and they told me if I didn’t pay them $XXXX right that second for an old Wells Fargo credit card, I would be sued, taken to court, would have to pay more than the $XXXX plus court costs, etc. Basically they told me they were going to destroy my reputation and destroy my image and never leave me alone. I was crying and scared and freaked out. Now, I feel like I’ve been scammed and ripped off for $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 2019-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE

Complaint narrative:
I recently applied for a Bank of America, XXXX XXXX Mastercard card. I was denied the card based on outdated information used by Bank of America. My current credit history shows no judgements, they are basing the denial on outdated accounts, an information that has been deleted from my credit report.
                  My current credit scores with the major 3 reporting agencies shows my scores are all over 800. I currently earn an income of over $XXXX dollars.  I feel this in violation of the Federal laws, also I have been a customer of Bank of America since 2003. I am a retired military veteran (XXXX).
                  I feel this is a discrimination, based on my age, and ethnicity, the wording of the rejection insults my intelligence and shatters my belief in the american dream, that if you work hard, acknowledge your mistakes you can achieve your financial dreams in America. I would not have filed this complaint if my credit scores and my savings were not good. But to deny me this credit card based on old information and not my current credit score is just wrong. I am hoping your office can get Bank of America to recant this decision or explain their interpitation of federal law. I am attaching a copy of the rejection letter for your review.
Very sincerely
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I went on a family vacation to XXXX  XXXX, XXXX on XXXX XXXX to XX/XX/2019. I booked it through American Express Travel in XX/XX/2019. When booking, I saw a deal on the fine hotel and collections section of the the travel benefits and booked through the vacation. It was presented to me on the website that I can stay at the XXXX-XXXX Hotel in XXXX XXXX for 6 night with 3 people. 1 adult and XXXX children ages XXXX   and XXXX years-old. The cost was broken down to me as such XXXX for the 6 nights plus XXXX  and additional XXXX Property Fees for (estimated ) taxes and fees. This is estimated total cost of XXXX. I said estimated because as I said before I was told that we I wont know the total fee and taxes until after the stay. Now, before booking I called american and spoke to a Rep who stated that they don't know was the fees are going to be but the taxes are 25% of the hotel daily charges. Ok, I booked thinking I am getting a deal. When I arrived the entire amount was charged for XXXX excluding beverages and activities done at the hotel. I disputed with XXXX while i was checking out, called American Express while I was at the hotel while I was there and they could not give me a accurate breakdown of the charges, but interestingly I was told I was charged an additional adult fee for my daughter who is XXXX  years old, So, it seems to me that American Express advertises for XXXX XXXX a false price misleading their customer in beliving that the fees and taxes may vary but you are pay what they are advertising. The reason I say that I still can't get a breakdown of what the fees were during my stay and the separate taxes despite contacting Amex.  I called Amex and they said that I was sent a letter detailing the resolution which I never received and will be sending out another in 7-10 days. I want to resolve this now its been 2 months. When I call, I have to speak to travel team, the platinum team. and switched among all these department to get what I was told to be one price Plus fees which were to be determine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: First Associates Loan Servicing LLC
State: MI

Complaint narrative:
I attended XXXX XXXX from XXXX. I paid my loan balance off through Peaks private student loans shortly after the school closed in XXXX. After hearing the settlement that was reached by the CFPB and XXXX/Peaks it is my understanding that the remaining balances owed to these private lenders is now discharged. I have reached out to Peaks numerous times to have the amount roughly ($10,000) reimbursed to me but they will disagree. It is only fair that students that paid their debt off in full receive the same treatment that other students received by getting their loans discharged.

Company response to consumer: Closed with explanation