vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have requested for Equifax to remove a fraud alert numerous times and they refuse to remove it. I have provided them the necessary identifying documents and they still will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: FL

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN A NUMEROUS AMOUNT OF ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.

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 2020-02-19 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: FL

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN A NUMEROUS AMOUNT OF ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched XX/XX/2018 statement. THRE ARE NO BEGINNING FRAUD INVESTIGATION USAA CREDITS. XX/XX/2018 {$8.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * TOTAL ( {$470.00} ) were REPORTED UNAUTHORIZED. ** THIS DOES NOT INCLUDE {$210.00} XXXX RETURN or the ** XXXX XXXX {$120.00} RETURNS. Previous bal zero. Credits {$340.00} posted merchant credits. XXXX NEW BALANCE ) ** ( AFTER XXXX XXXX CREDIT POSTED ) is the {$470.00} REPORTED FRAUD. XXXX XXXX keeps lying to slander my name to the CRAs RETAILATION for my ID THEFT REPORT. XXXX XXXX USAA needs to CEASE AND DESIST WITH THIS SLANDEROUS LIES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: FL

Complaint narrative:
XXXX XXXX Appears on my Equifax Credit Report as having performed a credit inquiry. Upon contacting XXXX XXXX and providing my SSN, they indicate no record of this. I contacted Equifax and submitted an online dispute. Equifax states that they resolved the dispute and the request is accurate. Somebody is lying or not actually following up. XXXX XXXX contact provided is : Consumer Financial Protection Bureau. Equifax has my dispute and has completed it. There is no possible way that I authorized XXXX XXXX to pull my credit and I want this off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: CO

Complaint narrative:
XXXX and  Transunion are reporting incorrectly that I am ( 120 ) plus days late on the XXXX account partial account number XXXX. ( Please see page attached from my credit. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-02-19 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: Innovis
State: MS

Complaint narrative:
XXXX  XXXX : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products. this could be it discover : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the Debt Relief Program Intro page. What follows is food for thought not just with XXXX Card, but with creditors like XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' XXXX XXXX XXXX the XXXX XXXX XXXX sued XXXX XXXX XXXX an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for. XXXX XXXX XXXX XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership may lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX federal court, the plaintiff ... Corp et al, U.S. District Court, XXXX  District of California,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: HYUNDAI CAPITAL AMERICA
State: MS

Complaint narrative:
XXXX XXXX : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products. this could be it XXXX  : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the Debt Relief Program Intro page. What follows is food for thought not just with XXXX XXXX, but with creditors like XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' hyundai finance XX/XX/XXXX the Vachon Law Firm sued Hardin Hyundai Inc. an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for. XXXX XXXX XXXX XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership may lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX federal court, the plaintiff ... Corp et al, U.S. District Court, XXXX   District of California,

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 2020-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
MIDLAND placed a out dated, no longer valid collection on my credit. I disputed it and my bureaus found that to be true and had it removed. Midland sent it to a law firm after it was removed and now the law firm is calling numbers that are related to the company i work for but dont get to me directly. I called the law firm and they said that its a open account and that ill have to submit my deviance as proof that it was indeed disputed. didnt give me any information or how to do so, so i told them that they would need to get MIDLAND to supply that information since they were the ones who sent the " colleciton '' to them after it was removed and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received an email saying Im past due on my capital one account. I have told Capital one before that i am not able to access my account due to phone number issues and verification. I never received a bill for any amount due. I only received a late notice and then my credit has been reported negatively due to their issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Conn's, Inc.
State: SC

Complaint narrative:
I had an account with Conns XXXX XXXX for the purchase of some furniture. In XX/XX/2018, I did a home equity loan with my bank to consolidate some bills. On XX/XX/2018 I requested a pay off from Conns. While I was waiting for the pay off to be sent to me, I sent a screen shot from my online account to my bank that I took on XX/XX/2018, to give them a general Idea of my balance while I waited to receive the official payoff from Conns. The pay off amount was {$3000.00}. I still have that screen shot. I have the payoff statement somewhere but I have to look for it. On XX/XX/2018 we closed on my loan and the attorneys office mailed out my checks to varies companies 3 days later. Conns posted my check on XX/XX/2018 for the payoff amount quoted. Now, a year and a half later, they are trying to say I still owe almost {$500.00}. I contacted support, sent copies of what I have and all they can say is I still have a balance because they didn't receive the check till the XX/XX/XXXX and my pay off was for the end of XXXX? A couple weeks cost me {$500.00}? They will not resolve the issue or explained to me how this happened and why am I just now hearing about a balance. They are trying to pull some shady business practices here. On top of that, I get a call about this at my place of employment! I thought it was a scam at first. That is the only reason I realized there was still a balance. I got on the web page and signed into my old account. I want this resolved and that taken off my account. If there was a balance left over, I am sure it was no where near {$500.00}, they have just let it sit there and accrue interest for over a year. No letter or email and they have my email and address. They send me stuff all the time trying to get me to buy more stuff. I will never do business with this place again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: U.S. BANCORP
State: CA

Complaint narrative:
I attempted to call my creditor to resolve my account, and they transferred me to the law firm managing the account. 
The law firm refused to accept my proposed payment arrangement based on my capacity to pay at present. 
The law firm representative advised that the account was litigated, and that there was a real estate lien on my property. I do not own property. It is apparent to me that they were attempting to intimidate me with this false information as a means to collecting the entire balance immediately. 
The representative and supervisor with the law firm stated that they would not accept my proposed payment arrangement because " it does not meet the requirements of their client '' ( the original creditor ). 
The communication with the law firm representatives ended with their confirmation that they refuse to accept my proposed payment arrangement to resolve the 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 2020-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: National Enterprise Systems, Inc.
State: CO

Complaint narrative:
I have no debt in collections that I am aware of ( credit report says no collections ). Unsure why National Enterprises keeps calling me daily. They called XXXX  XXXX XXXX XXXX today.

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 2020-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Activehours
State: NY

Complaint narrative:
I tried to get an extension and was told the debits couldn't be rescheduled. I'm having financial issues and just needed until XX/XX/2020 to pay the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Someone used my social security number while I was 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 2020-02-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting the following items inaccurately XXXX see enclosed ). This violates the FCRA.

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 2020-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management repeatedly called me before XXXX. Call me on Sundays and on holidays. Received 3 calls on XX/XX/XXXX. XXXX, XXXX and XXXX. Called me on Sunday XX/XX/XXXX at XXXX which violates FDCPA rules. Called me on Monday XX/XX/XXXX at XXXX which was a Federal holiday and violates FDCPA rules. I have told them to stop calling and they hang up on me. They call 1-3 times a day, everyday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I submitted a dispute to Wells Fargo, Disputed ID XXXX, posting date XX/XX/2020 in the amount of {$270.00} I indicated to Wells Fargo that I did not recognize the charge and that I wanted further details as to exactly what the charge was for. 

I received a response indicating that the " merchant name '' for the charge of {$270.00} was " XXXX '' However, " XXXX '' is not a merchant but rather a third party billing service.

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 2020-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc.
State: MN

Complaint narrative:
I XXXX XXXX XXXX  XXXX Harassment or abuse-Per this statute I am reporting this company for unfair practices. I was called on XX/XX/20 at XXXX CT about a XXXX XXXX XXXX account. I told the collector that I can pay on XXXX as I had a wedding end of this month. He told me I needed to pay at least {$50.00} to hold the payment arrangement. If I did not pay this would go against my credit. I explained its already on my credit. He said collection efforts would continue so I told him to cease and desist all calls ( I am a XXXX XXXX for a debt purchasing company so well aware of all of this ) and that I would call back when I'm paid to resolve this account. He said again, collection efforts will continue, in which I told him I ceased ALL COMMUNICATION. He can not continue efforts. He then threatened me again with credit bureau reporting. I ended the call and called back requested a manager. I spoke to a nice lady who validated the collector should not have harassed me how he did and she would review the call. She also told me she could take my bank information to set up the arrangement. I did not set up arrangement due to the FDCPA violation. The collector could have easily resolved this account but decided to be combative with me, the consumer. I was willing to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
I looked at my credit profile to realize that a fraudulent collection account had been added to my credit profile. One, the agency never notified me by mail for verification per FCRA laws. Second, they didn't verify the debt. I do not owe the debt to XXXX Hospital nor to this creditor. 

The FDCPA gives consumers the right to have the following information in writing within five days of the initial communication from a debt collector : The amount of the debt.The name of the creditor to whom the debt is owed.A statement that, unless the consumer disputes the validity of the debt, or any portion thereof, within 30 days after receiving the notice, the debt will be assumed to be valid by the debt collector.A statement that, if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer. The debt collector must mail a copy of this verification or judgment to the consumer.A statement that, upon the consumers written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

I didn't not recieve this. That is a direct violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This company LVNV FUNDING LLC PURCHASED AN ACCOUNT FROM XXXX XXXXXXXX NOW THEY ARE CONSTANTLY SENDING LETTERS DEMANDING PAYMENT. i DO NOT HAVE A CONTRACT NOR DO LVNV HAVE A SIGNATURE FROM ME INDICATING ANY AGREEMENTS. I SENT LETTERS MONTHS AGO REQUESTING VERIFICATION OF THE DEBT THEY SAID I OWED THEM ALL I RECEIVED WAS A CREDIT CARD STATEMENT FROM XXXX XXXX I HAVE YET TO RECEIVE ANY VERIFICATION THAT I OWE LVNV LLC. I ALSO SENT CERTIFIED LETTERS TO ALL CREDIT BUREAUS THE COLLECTION WAS REMOVED AND PLACED BACK A MONTH LATER AND THE BALANCE IS STEADY INCREASING MAKING MY CREDIT SCORE DECREASE. I DO NOT OWE LVNV FUNDING AND I WANT THIS COLLECTION OFF MY REPORTS

Company response to consumer: Closed with explanation