vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alliance One, Inc.
State: WA

Complaint narrative:
On XXXX XXXX Allianceone tried to garnish my bank account ( SSI Funds ) They sent a certified Writ of garnishment, certification of writ, exemption of claim form, notice of rights, to what they claimed as my last known mailing address XXXX XXXX XXXX  XXXX XXXX, XXXX. however, Allianceone had sent me a statement of what I owed and the judgement amount to my new address XXXX XXXX XXXX XXXX XXXX, Wa XXXX on XX/XX/XXXX, after I requested a detailed statement of what I had paid them and how the XXXX they had got a judgement against me XX/XX/XXXX, XXXX. I did not receive a detailed statement just a statement of what I owed.I contacted the courts to try and find out what had been paid from the payments I had given Allianceone. and that was how I found out about their attempt to garnish my bank account. The statements that I got from the courts of what what was paid by Alliance on my behalf do not seem to add up. The judgement amounts that Allianceone claims does not match the amounts from the courts, they also sent me a late payment notice XX/XX/XXXX, that had the account and ticket number that had been paid off XX/XX/XXXX. I think that they have violated the deceptive practices law. Not to mention lousy bookkeepers that use a lot of deception to cover their math skills ( or lack of ) .I sent a registered letter to them XX/XX/XXXX for a detailed accounting but never heard from them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I applied for a loan online through a loan company that sends my information to a group of lenders to get them to accept my application. I was contacted saying I was approved for a {$5000.00} loan. I thought these type of companies were legit but now I am seeing that even they are fradulent. I was at work and desperate for funds so I could go to my grandmothers funeral. They agreed to give me a small loan to make a payment within 24 hours. My account was in the negative to begin with so I didnt think anything of it. Now my bank account us being closed by my bank and they are saying I committed fraud but I had no knowledge I offered to send them all the emails between them and I and they refused to receive it saying it dosent matter pretty much it is not their concern. This is going to go against me on my credit when this is not even my fault. Help what do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: OR

Complaint narrative:
I received an online loan in the amount of {$1000.00} on XX/XX/2018. I make bi weekly payments on my paydays in the amount of {$200.00}. I have made 2 so far. I called to pay off my loan on my next payday and the company said my payoff amount is {$1200.00}. I only borrowed {$1000.00} and have made {$400.00} in payments. I have heard nothing from them after sending multiple messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc.
State: IL

Complaint narrative:
Hello, I recently moved to a new address. When I went to pick up my mail from the old address " Choice Recovery '' sent a notice on the XX/XX/2018 regarding an unknown debt. Although I did not receive a right to dispute letter on the XX/XX/XXXX, there is a derogatory mark on my XXXX credit report. This collection agency is in violation of the credit reporting laws and I would like to file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
XXXX was the culprit, paid over {$1800.00} in cancellation fees and charged {$270.00} additionally for free useless phone ( motos ) which was automatically charged onto my credit card. Then they even place me into collection, I contacted them several times regarding this, the very last call they told me to pay additional {$7.00} processing fee that would resolves this issue, apparently this is fraud tactic that they use to start collecting in increments and charging my credit card. As of today, they done nothing to help resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-07 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: ID

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account has nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Equifax failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: ID

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Experian failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I open this home equity loan inXXXX is still owe {$25000.00} the loan amount was {$29000.00} and I been paying on loan for 8 years of more which I pay from $ XXXX {$200.00} each month .have not missed any payment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
All inquires are from XX/XX/2018 and are fraud XXXX XXXX XXXX Capital One Saks Fifth Ave XXXX XXXX   XXXX XXXX Capital One XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BROKER SOLUTIONS, INC.
State: MD

Complaint narrative:
I did not authorized this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
All inquires are from XX/XX/2018 and are fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
All inquires are from XX/XX/2018 and are fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I sent XXXX XXXX XXXX collection a dispute letter on XX/XX/2018 asking for validation of a debt they claim I owe. it's been 3 months I haven't received any response. I sent the letter via certified mail, I have tracking number that prove that the letter was received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: KY

Complaint narrative:
Remitly promised to deliver money within minutes. 
I paid XXXX $ but no service was provided. 

Company Name : Remitly Receipt Number : XXXX Sub, itted XX/XX/2018 Company is not giving realistic date when money will be available to be picked up. Giving fake promises. This was an family emergency this is why i sent money. 

Please let Remitly know please return the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
What in the world is happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: NV

Complaint narrative:
What in the world is happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-07 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: NV

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to to the credit bureaus but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: NV

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to to the credit bureaus but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX/XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never XXXX days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a loan with XXXX XXXX  XXXX/XXXX  XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and ( Account Name ) with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30-59 days late.

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 2018-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Analysts of MN, Inc.
State: MN

Complaint narrative:
Professional Credit Anyalysis is trying to collect a debt I have no knowledge of. Im not asking for validation and I just want these people of my credit report. I also find it odd that the original creditor reports as another collection agency called XXXX XXXX and would like the Consumer Financial Bureau to investigate this. Also another odd thing is I have searched there address and it is a abandoned building. From what I search on 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 2018-12-07 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: CA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Equifax failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.. XXXX XXXX/XXXX, XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: CA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Experia failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.. 
XXXX XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Transunion..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Transunion failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.. 
XXXX  XXXX/XXXX, XXXX  XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: MI

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXX  XXXX XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined thatXXXX   XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
XX/XX/XXXX : XXXX $ XX/XX/XXXX : XXXX $ XX/XX/XXXX : XXXX $ USAA has an option on their application to pay your credit statement directly through the app. As I approached my limit, I decided to pay it, as I normally do. Only this time, the following morning, I was informed that the payment didn't go through. So naturally, I sent it through again. After checking the linked account I am paying the bill with, all of the charges displayed that they had been taken out. However, now I am out over 900 $ ( also included is an overdraft charge on the linked account used to pay the credit bill of XXXX $ ) Now USAA has over 900 $ of mine, hasn't returned my credit limit or my funds that they have TAKEN and has been cleared by my bank. I have no available credit, they will be charging me interest on the remaining balance and no access to funds because they overdrew my checking account at my other bank. Meanwhile, they said they have to hold MY money for 10 days. Whatever the reason, their system triggered this. They have stated there is nothing they can do, which I know is false. The credit limit I have is XXXX . And I have no explanation as to why this is even remotely acceptable. This is theft from a major corporation and there has been no attempt at resolving this. Seeking legal representation to make sure this doesn't happen again to anyone else and seeking all compensatory charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation