vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-26 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: AVANTE
State: FL

Complaint narrative:
XXXX XXXX XXXX REASON IS EXPLAINED BELOW XX/XX/XXXX AVANTE USA REASON IS EXPLAINED BELOW XX/XX/XXXX DXXXX XXXX REASON IS EXPLAINED BELOW XX/XX/XXXX XXXX XXXX REASON IS EXPLAINED BELOW XX/XX/XXXX TO WHOM IT MAY CONCERN, This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named federal law. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for at least the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, then by law all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
i received numerous calls today from a " XXXX XXXX collection agency '' today XX/XX/XXXX, several calls throughout the day They stated that I owe an outstanding debt from XXXX or XXXX. That I had made payments from XXXX through XXXX every month faithfully then this debt supposedly went on my credit report in XXXX - XXXX because I had stopped paying the alleged debt. THEN the girl I spoke to began threatening me with wage garnishment and vehicle seizures if I didn't pay this debt. She said I had until XXXX XXXX tonight to make arrangements. Either half of the debt which was {$1500.00} or $ XXXX monthly until it is paid in full. I had a chase account but it was closed in XXXX IN GOOD STANDING. This supposed debt has never been on my credit report. My concern is they have all my personal information and even told me which vehicles I drive and that they would seize them because of this debt. They also called my wife and threatened to garnish my wages and/or seize my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
I received calls numerous times by this and other phone numbers asking to pay a debt from pharmacy. 
When I try to get more information as to what exactly I was charged for, where is the receipt, etc. they just close the line. They call my friends phone numbers too.

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 2018-10-26 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: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
Used to work forXXXX XXXX XXXX XXXX XXXX for XXXX. Was convinced to switch told service would work at my house and if it did not that I would not be charged cancellation fees or any other things. So I switched back about XXXX of 2018 Service did not work at my house so I canceled, payed and closed the account. Went to buy a car today and saw that I had a {$560.00} collection from XXXX. Was never notified of any debt or received any telecommunication mail or other communication types. As soon as I was aware of the debt I paid it ( today ) XXXX-18 confirmation # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MI

Complaint narrative:
My payment for my Discover credit card was due on XX/XX/XXXX. I forgot to pay the bill. I made a payment this morning at XXXX ( eastern time zone ). 

I received a total of 4 calls since making the payment I received a call at XXXX and informed the gentleman that I made the payment and to check their records At XXXX they called me again I did not answer nor did they leave a message on my voice mail I received another call at XXXX and spoke to a supervisor XXXX who was claiming to be a supervisor and said that he put a call blocker on my account and that I would not be called again. He also acknowledged payment to my account. I told him to cease and desist communication with me and he told me I would not be called again I received another call at XXXX and spoke to XXXX who also claimed to be a supervisor I explained to her that I received a call this morning. I explained my call with XXXX that took place at XXXX. As I expressed my displeasure with what was going on, instead of apologizing, she tried to talk over me several times and justify the calls Calling 4 times in 1 day is just plain harassment, especially when I paid the amount due to make my account current and not only that, I paid the amount for next month as well Per the FDCPA law, they are also in violation for calling me when I told XXXX to cease contact with me and I was told by XXXX I would not be called again. 

Again, this bill was paid at XXXX and they called me 4 times after this bill was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: NV

Complaint narrative:
I used the company to see if my credit was high enough for their services XX/XX/XXXX, then on my credit report it showed two hard inquiries another one on XX/XX/XXXX and I don't recognize the second inquiry. and that put 4 hard inquiries on my credit report and that's costing me points. I tried to contact them but their are to many companies with that name.

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 2018-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
GLA Collections is trying to collect 3 medical debts from XXXX XXXX Hospital, but I had Medicaid at the time of each visit. The dates were : XX/XX/XXXX in the amount of {$370.00} XX/XX/XXXX in the amount of {$150.00} XX/XX/XXXX in the amount of {$330.00} My Medicaid should have paid for this, so I don't understand why they're trying to make me pay. Please fix this or help me understand what's going on. Thank you!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: WI

Complaint narrative:
I was unaware the is Company was not license in the state of Wisconsin..but the company went ahead and approved me for the loan with and interest rate 780.02 % ... I would like to get out of

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
My name is XXXX It was XX/XX/XXXX and I bought a new XXXX XXXX at the XXXX XXXX XXXX XXXX. 
They told me I was approved for credit and I signed the financing documents. 
My original Creditor was XXXX/XXXX  bank but in XXXX of XXXX it was transferred to XXXX XXXX. 

My issue is upon checking my credit score I noticed 3 hard inquiries from 3 different creditors on the same date. I was not made aware of this by the XXXX Dealership and only authorized the one credit check which they said was approved. 

XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX The XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX These inquiries could stay on your report until XX/XX/XXXX but only the first on XX/XX/XXXX was approved. 

I tried contacting these companies at the phone numbers listed but have found they have no record of me. Since this is an unauthorized hard inquiry and at least 1 hard inquiry being considered as three separate ones.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I normally never call the bank with any issues. I had a terrible experience with my card declining and I had to leave the store. When I called I was told I would need to speak to the Account Services Department. I waited 1 hour and 20 min to speak to an agent, just to be transferred to another agent. That is unacceptable and I am reconsidering my relationship with this institution. I spoke to 4 useless agents and my debit card is still declining all my transactions. I ended up sending money via XXXX to another account I have and will ultimately change my direct deposit and close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AZ

Complaint narrative:
Rushmore Loan Management Services recently purchased our mortgage from XXXX XXXX. Starting with last month, payment due XX/XX/2018, they have failed to record our payments for which we have canceled checks that were cashed before the due date ( for payment, cashed on XX/XX/2018 and for Escrow, cashed on XX/XX/2018 ) as of now these payments have still not been credited to our account. We called them on XX/XX/XXXX to try and resolve this payment matter we were greeted with a rude adversarial representative who could not verify any information forcing us to fax all our proof to them. They responded with a letter stating they needed 30 days to look into the matter ( this is absolutely unreasonable ). We have not received any statements for payment due XX/XX/2018, to prevent being delinquent we mailed a check for XXXX which was cashed on XX/XX/2018. Now on XX/XX/XXXX we have received a delinquent report and late charge assessment for the past two months. We have still not received any statement to pay our XXXX payment. We did not choose this company they are completely incompetent and our credit is being destroyed. I am trying to get this company to cooperate before things get out of hand and a lawsuit is the only answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
My name is XXXX It was XX/XX/XXXX and I bought a new XXXX XXXX  at the XXXX XXXX XXXX XXXX. 
They told me I was approved for credit and I signed the financing documents. 
My original Creditor was XXXX/XXXX XXXX but in XXXX of XXXX it was transferred to XXXX XXXX. 

My issue is upon checking my credit score I noticed 3 hard inquiries from 3 different creditors on the same date. I was not made aware of this by the XXXX XXXX  and only authorized the one credit check which they said was approved. 

XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX The XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX These inquiries could stay on your report until XX/XX/XXXX but only the first on XX/XX/XXXX was approved. 

I tried contacting these companies at the phone numbers listed but have found they have no record of me. Since this is an unauthorized hard inquiry and at least 1 hard inquiry being considered as three separate ones.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Over the past several months I have requested that Transition provide proof of various issues i had reporting on my report. the latest report as of XX/XX/18 still states the mis-reported information as well as, a report from XX/XX/18, various mistakes in reporting are noted and pointed out and Transunion updated the information that I had found wrong and then added to the time that it will remain, then inform me that unless i send a different letter that Transunion will not look in to there mistakes. It is not fare no legal that due to there mis reporting and unable proof to provide the information i had requested for well over the allotted time needed. the accounts remain and more have been added. also various medical accounts appear as well and i know that is a HIPPA violation. I am not sure as to why nor understand the reasoning behind Transition unwillingness to admit there mistakes and remove the accounts and failed to accept my consumer complaint OR the INCORRECT ADDRESS was reported, EITHER a clear infraction of the requisite conditions of reporting which is to include ONLY TRUE, FAIR, ACCURATE, and COMPLETE COMPLIANT REPORTED DATA. In the LEAST, this item is NOT REPORTED ACCURATELY Surely it is, as such it is unlawful and mandates assert the proper resolution is to eradicate the deceptive reporting so delete today, here and now please. Wrong address was displayed therefore the reporting is DEFICIENT of legal standing to report and to retain is unlawful and a dereliction of adequate mandatory certified compliant reporting of allegations of delinquent and or derogatory consumer information, TRUE or NOT! I DO NOT DISPUTE the reality of the account reported YET XXXX refuses to REMOVE the claim I dispute it. PLEASE EXTINGUISH the " DISPUTE '' remark OR present regulatory requisites that suggests a mandate to retain a dispute statement OUTSIDE the consumer 's CLAIM of NOT DISPUTING. What gives XXXX, exactly, the RIGHT to retain despite an absence of consumer dispute or an authorization from consumer to suggest it is in dispute? CERTIFY the nature of any CURRENT DISPUTE or else eradicate. It is UNLAWFUL for any entity in credit to be deceptive or unfair. CLEARLY this is Transunion misbehaving illegally and must act to remove a claim of aimed

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 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion continually decreases my credit score unfairly and practices deceitful trade practices. 
I have paid off a car loan and financed another vehicle. However, TransUnion shows the previous car loan as " closed '' instead of " paid out '' causing points taken from my excellent credit score. There are inquiries that were not made and should have fallen off. Lastly, when I use my credit cards and pay them off within 30 days, drastic points are deducted from my credit file for small purchases -- meaning I have a very high amount available but may use {$70.00} out of a {$5000.00} line of credit. TransUnion has continually negatively affected my excellent credit score with prejudice and inaccurate information.

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 2018-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I got a notification from Paypal stating that a strange transaction was placed on my account XX/XX/2018 for a total of {$210.00}. I did not make a transaction on this date and I am not familiar with the recipient. I contacted Paypal and filed a dispute stating the transaction was not one I authorized. They mailed me back stating that the claim was closed and that this transaction was not found to be suspicious or unauthorized and stated that the transaction would be completed on XX/XX/2018.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am set up with an automatic payment program with Discover credit card. 
I was set up on this program because I am unemployed and I am having trouble making the large payments. When I set up this program, they told me I could go ahead and make the payment myself at an earlier time and they would not process the auto payment scheduled. 

On XX/XX/XXXX, I went on line and scheduled the payment for {$200.00} On XX/XX/XXXX, the payment cleared my XXXX account. On that same day, Discover attempted to take the money out of my account again two times. This caused me {$64.00} in NSF fees with my bank. This is an extreme hardship for me. I am barely able to pay my bills on time. I explained this to an agent and a supervisor at Discover and they will not reverse the fees. Please assist me in this matter. I do not even have gas money now. I work hard selling my personal belongings off to make ends meet and now this has happened ... .I am very very upset and not a happy customer. My credit is perfect. 

Thank You, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACS Education Services
State: IA

Complaint narrative:
I had a student loan with ACS/XXXX XXXX that was sold to XXXX. The loan is now reported on my credit report twice. It is in good standing and being paid through XXXX, however, it shows an unpaid balance of XXXX due to ACS/XXXX XXXX and also says it is in deferment. I have tried to contact ACS and they told me to contact XXXX, XXXX said it is an issue with ACS. ACS has had thousands of complaints about incorrect reporting and I would like to figure out how to get this off my credit report.

Company response to consumer: Closed with explanation