vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
They claim that I have a open collection account. How is this possible if the collection have been since 2012??? I also ask this collection company to show or go of validation of this debt in its original form, showing my sign signature with the original inbebtness contract in its original form. They never show proof XXXX  I also have confirmation from taxes and yet when I call the company and credit bureau, they saying that they have not received my disputed but my records show otherwise

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 2018-02-07 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
There are 4 accounts on my credit report that i have never opened cor applied for credit with.

I contacted the companies ( chase, XXXX  XXXX & XXXX ) directly as well as XXXX  XXXX   amd XXXX. 

They have not removed this information from my report. I asked them for the documents and any copies that they have with my signiture and there was no answer. I want thia removed from my report these are fraudulent accounts that were opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There are 4 accounts on my credit report that i have never opened cor applied for credit with. I contacted the companies (
XXXX, capital one & XXXX  ) directly as well as XXXX XXXX  amd XXXX.

They have not removed this information from my report. I asked them for the documents and any copies that they have with my signiture and there was no answer. I want thia removed from my report these are fraudulent accounts that were opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Several years ago my office was broken into and my wallet and passport were stolen. My wallet contained my social security card and my driver 's license. After the theft several accounts were opened in my name without my knowledge or approval. I have disputed these accounts and the only account remaining is this credit card. I have attached a copy of the police report to this dispute. I never lived at the address where XXXX service was located nor have I ever have XXXX service. XXXX is the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Several years ago my office was broken into and my wallet and passport were stolen. My wallet contained my social security card and my driver 's license. After the theft several accounts were opened in my name without my knowledge or approval. I have disputed these accounts and the only account remaining is this account. I have attached a copy of the police report to this dispute. I never had insurance with XXXX, the original creditor.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I recently sent a letter to Transunion and XXXX asking them to verify the bankruptcy on my report from XX/XX/XXXX. I feel they are reporting this bankruptcy illegally and in violation of the FCRA because they did not verify the information directly with the court. The court does not verify this information directly and I have included a letter to that effect. No bankruptcy court will verify a bankruptcy case to any credit reporting agency. I was then told me they used a third party vendor in XXXX to verify, which is also untrue because I have documentation of a security freeze I put on my XXXX report earlier last summer. Since they have no way to verify and are only assuming that since the bankruptcy was valid in XX/XX/XXXX that they have the right to report this illegal information for 10 full years. I willl be filing a case in small claims court here in Massachusetts seeking {$5000.00} in damages and a court order to compel Transunion and XXXX to remove thIs illegally reported information. Also, any account included in this bankruptcy should also be removed from my credit file. Thank you for your help.

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 2018-02-07 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: EQUIFAX, INC.
State: UT

Complaint narrative:
Both my husband and I are disputing an auto loan with XXXX XXXX. We paid the loan and on the documentation, it shows the loan paid on the Equifax report dated XX/XX/XXXX. I disputed this XXXX XXXX that showed up with it showing a repossession. XXXX XXXX XXXX  are the same company. Furthermore, Equifax backdated a deletion of XXXX XXXX on XX/XX/XXXX! They deleted the correct account and kept the incorrect one. We are obviously getting caught up in a someone else 's bad car loan. 

We have tried to deal with all three bureaus and no one is deleting the incorrect information.You can see that the loan origination date is exactly the same. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Several years ago my office was broken into and my wallet and passport were stolen. My wallet contained my social security card and my driver 's license. After the theft several accounts were opened in my name without my knowledge or approval. I. I have attached a copy of the police report to this dispute. I have never visited this doctor or received any services from this doctor 's office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX hit me with a hard inquiry I never did any requesting with them on XX/XX/XXXX so I am unsure as to why this is on my account this is fraud.

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 2018-02-07 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I am a victim of Identity Theft. Recently, some company deposited 2 wire transfer checks into my checking account. I did not authorize or know anything about them. My financial institution closed my accounts and refused to let me open new accounts. This happened on or around XX/XX/2018. I do not know the exact amounts of the wire transfers. Perhaps around {$900.00} or so each time. I called my local police and spoke with an officer, explained I was a victim of Identity Theft. I have a Police report. My direct deposits to these accounts were denied as the bank closed my accounts and denied me new ones. This was no fault of mine! I was treated like the criminal by the Bank, instead of the other way around. Especially by the Personal Banker at my branch. 
I have been an Identity Theft victim for over 1 year. I am losing everything I own and my credit is atrocious because of this. No one will help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Talbot, Adams, & Moore, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Several years ago my office was broken into and my wallet and passport were stolen. My wallet contained my social security card and my driver 's license. After the theft several accounts were opened in my name without my knowledge or approval. I have disputed these accounts and the only account remaining is this debt collection account. I have attached a copy of the police report to this dispute. I never did any business with the original creditor " XXXX XXXX ''. I never had any accounts with this company nor do I owe them any money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have an XXXX XXXX Credit Card with Chase Bank. I received an email from Chase today, XX/XX/18, at approximately XXXX EST stating that I am now enrolled in their digital emailing service for any account that I already accept paperless statements. I do not have any paperless services with Chase. The email states that I will still receive paper mailed services where required by law, however, when I verified my account, Chase had automatically enrolled me in e-statements and " other information '' digital services without my affirmative consent. In the past, I have actively denied Chase 's offers for e-statements several times so I strongly feel they are violating the e-sign act ( and TIS ) by signing me up for a service that I : ( a ) did not affirmatively consent to ; and ( b ) received no information regarding any potential fees or charges associated with this. There was also no definition of what " other information '' digital services was. There was a link to their security page which ( buried within that page ) is their privacy policy, but nothing that stands out or refers directly to the terminology contained in the email. 
In order to correct all of this unnecessary hassle, Chase provided a link within the email to 'check my digital communication settings '. The link brought me to the Chase home page where I had to log into my account, find my way to the " paperless options '' and manually unsubscribe for these services I did not consent to. 
If this is happening to me, how many other Chase customers received the same message but don't realize they are now enrolled in a service they may not want?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: CAC Financial Corp
State: OK

Complaint narrative:
I was hospitalized in 2012 when I was XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX in XXXX XXXX, Oklahoma. Due to my families low income the XXXX informed us of a XXXX XXXX that would pay for all hospital expenses that totaled a little over {$18000.00}. Recently, I checked my credit score and those expenses still appeared as owing. So I contacted them, discussed the situation and they were able to remove the expense from my credit history. There is still another hospital expense that they won't remove. I made two payments because they were persistent. I learned that I could dispute it, and I'm needing help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i tried to solve the problem with the bank but they have no power to do anything they signed me up years ago for cards i didn't need and was charged fee 's for cards i didn't need as i was a student and only that one was really needed so when i found out i stopped paying and wanted them to take the fee 's and cards off. then i went to XXXX for a XXXX XXXX attempt. i just went and tried to get a new card and my credit is to low. i would like them to reimbursement me for fees from cards that i didn't need. and also to work with me on dissolving my debt and open a rewards card with them for i had outstanding payment record before i got into it with them about unnecessary cards and accounts.

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 monetary relief
Consumer complaint received 2018-02-07 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: UT

Complaint narrative:
Both my husband and I are disputing an auto loan with XXXX XXXX. We paid the loan and on the documentation, it shows the loan paid on the XXXX report dated XX/XX/XXXX. I disputed this XXXX credit that showed up with it showing a repossession. XXXX XXXX andXXXX  are the same company. Furthermore, XXXX backdated a deletion of XXXX XXXX on XX/XX/XXXX! They deleted the correct account and kept the incorrect one. We are obviously getting caught up in a someone else 's bad car loan. 

We have tried to deal with all three bureaus and no one is deleting the incorrect information.You can see that the loan origination date is exactly the same. 

Please help

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 2018-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: NJ

Complaint narrative:
BBVA Compass advertised a {$200.00} offer for opening a consumer checking account. The offer said to " apply online before XX/XX/XXXX '' and receive a qualifying direct deposit to qualify for the offer. I applied for the account on XX/XX/XXXX but was not approved by the bank until XX/XX/XXXX, and now they refuse to honor the offer because my account was not opened until after XX/XX/XXXX. I do not know why the bank took over two weeks to process my application but it was through no fault of my own, and I do not think it is right that the bank is reneging on their offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, i went in to finanve 2 pairs of prescription eyeglasses for my daughter. The merchant explained the the process while submitting it online. I gave my information and told me that i would get a text message and to give her so that the application could be submitted, which i did. Everything came to {$1100.00}, {$50.00} which was the application fee. I got my merchandise, she printed the agreement and i went my merry way. She did not explain all the terms to me.On XX/XX/XXXX, called and was shocked when i was told that i owed {$2300.00}. I inboxed XXXX through XXXX and this following is what i was sent. There is no way that i would have agreed to this had this been explained to me .This is our XXXX   messenger communication " This place is horrible. The merchant did not tell me i had 90 to pay off anything. Bought 2 eyeglasses XXXX. Now I'm being charged XXXX because it said i didn't pay off by XX/XX/XXXX. Thats double the price plus some. I've made XXXX in payments to learn i have 12 more  payments to go. Would never have agreed to this had i known. Seriously XXXX for 2 eyeglasses. '' " I'm sorry that the merchant did not explain all our terms to you. We are a third party company that handles the financial side of the contract. We provide the lease agreement breaking down all our terms since the merchant is not the financial institution, they will not be the ones who know our terms. You did sign the lease agreement that breaks down all the costs. As well as received a text message on XX/XX/XXXX that explained all the amounts stating " Congratulations, you signed your Acima Lease : - Lease # : XXXX - XXXX Buyout XXXX : {$1100.00} - Pay Freq : every-other-week - Pay XXXX : {$88.00} - Est. 1st Payment : {$88.00} - 12 Mo. Payment XXXX : {$2300.00} Call Acima at ( XXXX XXXX XXXX XXXX with any questions '' I snapshot the communication I had with XXXX and uploaded them. Sorry for them being in pieces.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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 — Investigation took more than 30 days
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I have been on the phone with Portfolio Recovery countless times this was all settled I do not owe them {$560.00} and the account is closed. 

I am unsure as to why it still says open or why they feel I owe them anything. I was told by there customer service they would let XXXX  and XXXX know the account was settled and months later nothing has been done. 

We had came to a settlement which they already know. Hopefully this honest error on there part can be fixed thank you. Any questions call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: UT

Complaint narrative:
Both my husband and I are disputing an auto loan with XXXX XXXX. We paid the loan and on the documentation, it shows the loan paid on the XXXX report dated XX/XX/XXXX. I disputed this XXXX credit that showed up with it showing a repossession. XXXX XXXX andXXXX are the same company. Furthermore, XXXX backdated a deletion of XXXX XXXX on XX/XX/XXXX! They deleted the correct account and kept the incorrect one. We are obviously getting caught up in a someone else 's bad car loan. 

We have tried to deal with all three bureaus and no one is deleting the incorrect information.You can see that the loan origination date is exactly the same. 

Please help

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 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am contacting the Consumer Financial Protection Bureau in regards to an old account which is still appearing on my credit report in violation of FCRA Section 605 with all 3 credit reporting bureaus ( TRANSUNION, XXXX  and XXXX ). The account in question is a XXXX XXXX   opened in XX/XX/XXXX. The partial account number is # XXXX ... 

I am contacting this agency after hearing about your effectiveness in forcing credit reporting bureaus to follow the law. I had previously written to them regarding other violations on my credit report but they had inaccurately validated them and I have been slowly fighting those accounts personally in order to have those creditors fix and or remove the inaccuracies and this process has taken a very big toll on my stress levels and it has not been easy. I am finally successful in getting those inaccuracies adjusted and would like to come to this platform regarding this XXXX account because XXXX XXXX refuses to open a new investigation for me because this card has been closed for over 7 years and it is past the statue of limitation and also because they no longer have my information on file. 

My complaint is that this XXXX  credit card had its final payment made in XX/XX/XXXX. That is over 7 years ago and this account is still reporting to my credit report with countless lates and delinquencies, which is illegal. 
There are other inaccuracies as well. XXXX, Transunion and XXXX   have incorrect dates for the LAST payment on this account and it seems illegally re-aged because it is showing that I made payments AFTER its closure in XX/XX/XXXX which I NEVER did. So, for some odd reason this account was illegally aged over 6 months when in actuality the FINAL payment was made in XX/XX/XXXX. This account should have been deleted from my profile completely in XX/XX/XXXX,  according to FCRA law. It has illegally been reported as being paid past its final payment and its closure and this is absolutely incorrect and damaging to my credit report. This account was settled in court in XX/XX/XXXX and I have had no responsibilities to pay them monthly since 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 non-monetary relief