vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
My name is XXXX XXXX. the last four of my synchrony acct was XXXX my address is XXXX XXXX XXXX. XXXX , Ms. last four of my social is XXXX. I received a phone call regarding my debt with synchrony bank for {$690.00} between XXXX and XX/XX/XXXX regarding full payment on my account that was closed on XX/XX/XXXXXXXX i informed them then that i could not pay the account in full. even tho they said i had to make the full payment instead of paying on the account i still sent a payment during XX/XX/XXXX.. I heard nothing else from the collector at that time even after i sent payment on account. XX/XX/XXXX i received another call from debt collector regarding amount for XXXX.. i was informed that they could not take partial payments and needed account paid in full. Amount has already been put on my credit report after debt was sold, meaning the debt was wrote off on taxes of original creditor. Company that purchased debt wants to sue me for amount after they rejected my offer to make payments.. since debt was wrote off i assumed contract was cancelled in XX/XX/XXXX. I'm willing to pay on account. i also feel that they should accept payments instead of requiring full payments. if they review my credit report they wld see that majority of my payments on accts are made.. i got behind with original acct due to losing a job. the company name is XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ms XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: AZ

Complaint narrative:
My name is XXXX XXXX. I was working with XXXX XXXX to help with my credit report. I want my subscription cancelled and a refund plus all the money i paid towards the company.

I'm not satisfied with the results and I want my refund ( one time fee to start the process ) also all the money back that I used for paying towards XXXX.

Please and thank u.

Social security number:XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: VA

Complaint narrative:
An ex-spouse of mine forged my name on a Private Consolidation Loan Credit Application agreement with NELNET ( now XXXX XXXX ). I did not authorized the signing of my name on this or any other document. Which although electronically done makes it forgery. It was explained to me that married couples are seen as one except in the case of forgery. 

I've been trying to explain this to NELNET / XXXX XXXX for years. However, they will not listen or do anything about it. 

Furthermore, a check from XXXX  in the amount of {$12000.00} I never received was cashed by drivers license XXXX. My GA drivers license number is XXXX. I never authorized or knew about it until it was too late. 

As For XXXX, I called them to file a complaint of forgery regarding my name but had no account information regarding these loans there, they were unable to find any information regarding the account ( s ). I never authorized my ex-spouse to borrow money using my name or to sign my name only anything from this company either. 

In reference to me attend school, I was using the GA Hope Scholarship to attend school the time all of this was going on. Therefore, I didn't realize this was happening until it was too late. Now I've got a horrible company like XXXX XXXX to deal with. 

Also, the company NELNET ( XXXX XXXX ) also practiced predatory lending in that they also combined my income with my ex-spouses in to qualify my social for the loan but gave her no responsibility for the loan, leaving it all in my name.

For this reason, and being unfair in a crucial situation, I would not recommend that anyone ever get involved with XXXX XXXX.

In closing, I pay well over {$900.00} of child support each {$840.00} + {$100.00} ordered to pay back in arrearages. I can not afford to pay back school money that I never and was not used for my benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Two accounts that were previously removed were re-inserted. Initially, the collection agencies did not respond within 31 day period. Therefore, they reported the information again about 3-4 months later.

XXXX XXXX - XXXX XXXX was removed in XX/XX/2017 for {$240.00}.

XXXX - XXXX XXXX XXXX removed in XX/XX/2017 for {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: CO

Complaint narrative:
Account shows late payments that are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Collection Management. Inc
State: IL

Complaint narrative:
I was a victim of ID Theft. I sent a Dispute Letter to Consumer Collection MN on XX/XX/XXXX and another on XX/XX/XXXX of which they did not respond to my Dispute as it remain on my Credit Report. I enclosed a copy of the ID Theft Affidavit as well at the Dispute Letter sent to Consumer Collection MN. Note all of the fraudulent accounts have been removed from my Credit Reports EXCEPT Consumer Collection MN. I am also filing a Law Suit. Is Consumer Collection MN above the Law??? The FDCPA and FCRA!!! Please note that Account # XXXX is a fraudulent account and should be " Deleted '' from my Credit Reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: CA

Complaint narrative:
I signed up for service with XXXX XXXX. They asked for my social security number. I didn't want to provide it so I told them I was XXXX   and didn't have one.

Despite me not giving them my permission or my social security number they accessed my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
Midwest Recovery Systems has reported an account in collection to all 3 credit bureau. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
A fraud account was paid off that went into collections. The creditor is XXXX XXXX XXXX XXXX. It is a fraudulent account that was never go into collections because I mailed their item back to them Three months of the account closing the account but the item was mailed back to me without a new account agreement. It has been paid off and disputed for over Nine months. It was agreed to be removed already by the collection and credit reporting agencies but it was not still after a XXXX balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: AZ

Complaint narrative:
I am a victim of identity theft and been a victim of identity theft for over 11 years. I filed a police report with the XXXX County Sheriffs Office in regards to the following fraudulent and unauthorized accounts, and credit inquiries listed on my Equifax, XXXX and XXXX XXXX credit report : XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX   unsecured personal loan, XXXX XXXX XXXX XXXX credit card, collection account : XXXX XXXX XXXX, and XXXX XXXX XXXX  unsecured personal loan account # : XXXX for {$7500.00}, credit inquiries : XXXX XXXX and XXXX XXXX. The accounts are all fraudulent, arent mine, and dont belong to me. The police report case number is # : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I filed an ACH dispute after noticing fradualant and unauthorized transactions. Capital One 360 started a dispute and credited my account some 6100 plus dollars. Yesterday I received an email from Capital One saying their investigation showed everything but XXXX   dollars of that dispute was without error. When I called to follow upI was told my only recourse was to call XXXX XXXX and store card because they verified that I did indeed authorize the ACH transactions. So, I called and found that XXXX  of the more than 6000 dollars of transactions I disputed were for accounts I have with XXXX credit. The remainder of the more than 5000 in payments are not made from accounts that I own or are a co-account owner. Which means that the over than 5000 dollars in unauthorized ACH payments that XXXX   confirmed to Capital One 360 I authorized are in fact going to someone elses account. While I am sorry XXXX dollars I did authorize to pay my own accounts with XXXX were inadvertently roped into my disputesI am not satisfied that I am said to have authorized payments to XXXX accounts by ACH debit, when in fact, I did not authorize these debits. Anyone else who has debited my bank account is not an authorized signer on my bank account and I have not authorized payment to any account that I do not own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-19 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: TX

Complaint narrative:
A fraud account was paid off that went into collections. The creditor is XXXXXXXX XXXX XXXXXXXX XXXX. It is a fraudulent account that was never go into collections because I mailed their item back to them Three months of the account closing the account but the item was mailed back to me without a new account agreement. It has been paid off and disputed for over Nine months. It was agreed to be removed already by the collection and credit reporting agencies but it was not still after a XXXX balance due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A fraud account was paid off that went into collections. The creditor is XXXXXXXX XXXX XXXXXXXX XXXX. It is a fraudulent account that was never go into collections because I mailed their item back to them Three months of the account closing the account but the item was mailed back to me without a new account agreement. It has been paid off and disputed for over Nine months. It was agreed to be removed already by the collection and credit reporting agencies but it was not still after a XXXX balance due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: AZ

Complaint narrative:
I am a victim of identity theft and been a victim of identity theft for over 11 years. I filed a police report with the XXXX County Sheriffs Office in regards to the following fraudulent and unauthorized accounts, and credit inquiries listed on my XXXX, XXXX and Trans Union credit report : XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX   unsecured personal loan, XXXX XXXX XXXX XXXX credit card, collection account : XXXX XXXX XXXX, and XXXX XXXX XXXX unsecured personal loan account # : XXXX  for {$7500.00}, credit inquiries : XXXX XXXX and XXXX XXXX. The accounts are all fraudulent, arent mine, and dont belong to me. The police report case number is # : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft and been a victim of identity theft for over 11 years. I filed a police report with the XXXX County Sheriffs Office in regards to the following fraudulent and unauthorized accounts, and credit inquiries listed on my XXXX, Experian and XXXX XXXX credit report : XXXX XXXX XXXX XXXX  # : XXXX, XXXX XXXX XXXX   unsecured personal loan, XXXX XXXX XXXX XXXX credit card, collection account : XXXX XXXX XXXX, and XXXX XXXX XXXX  unsecured personal loan account # : XXXX  for {$7500.00}, credit inquiries : XXXX XXXX and XXXX XXXX The accounts are all fraudulent, arent mine, and dont belong to me. The police report case number is # : 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 2018-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have two Walmart accounts : a MasterCard and store card. Both accounts are closed. I noticed several ACH debits from my XXXX XXXX XXXX accounts that did not match up with payments I had made on my credit accounts. I disputed the transactions with XXXX XXXX XXXXwho later said that Walmart MasterCard and store card verified I authorized the ACH debits. I was told my XXXX XXXX XXXX that once Walmart credit told them the ACHs were authorized that they cancelled the dispute. They instructed I call Walmart credit, which I did. The agent for Walmart credit said that XXXX  of the XXXX  I disputed were payments made to my account. They had no record of any account I owned being authorized by me for any credit account I own. However, the representative told me there was nothing else they could do other than have me file a claim for the XXXX dollars of ach debits taken from my bank account through their ACH debits and have those payments placed on my 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 2018-04-19 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: MN

Complaint narrative:
I seen multiple hard inquiries on my trans union and XXXX accounts which m not recognizing. I already have credit cards from them e.g XXXX and XXXX XXXX. I would appreciate if these inquiries could remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: MN

Complaint narrative:
I seen multiple hard inquiries on my XXXX XXXX  and equafix accounts which m not recognizing. I already have credit cards from them e.g XXXX and XXXX XXXX. I would appreciate if these inquiries could remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: CA

Complaint narrative:
I already filed the dispute from FTC report and filed the police report on authorized but the hard inquiries are still remaining only on Transunion XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I thought this was a useful credit card, but I was inexperienced. I was seeking to repay this collection. However, I was seeing that you as a goodwill to just remove it. 

Balance {$940.00} Capital One Platinum Card

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Someone had used my information to pull Hard inquiry which I had never authorized..

Experian XXXX XX/XX/2017 XXXX  XXXX   XX/XX/2017

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: CA

Complaint narrative:
Someone had used my information to pull Hard inquiry which I had never authorized..

XXXX XXXX  XX/XX/2017 Equifax XXXX   XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/18 I made a payment of {$38.00} on my XXXX XXXX XXXX   credit card account. This brought my balance from {$290.00} to {$260.00}. Unfortunately, on XX/XX/XXXX Equifax erroneously reported a past due amount of {$76.00} which resulted in a derogatory account being reported on my credit history. Furthermore, I called the creditor, specifically XXXX XXXX XXXX, who verified the account was not past due and was never reported to Equifax as having a past due amount.

As a result of the erroneous reporting my credit score dropped and/or declined by 28 points. I've disputed the error and/or erroneous reporting with Equifax, demanding correction of the erroneously reported past due amount and reinstatement of my original credit score. Unfortunately, Equifax has not responded to my request neither has it restored the 28 points lost due to its erroneous reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a legal order to hold funds in my account then my money is withdrawal

Company response to consumer: Closed with explanation