vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I keep receiving phone calls from a third party company telling me to contact XXXX XXXX XXXX. when I called XXXX XXXX XXXX today they claim I owe a debt from 2001 to XXXX XXXX. I do not have any memory of any such debt from 2001 I have paid my debts. The last time I called asked them to mail any information to me, all I have received are more phone calls? nothing in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: GA

Complaint narrative:
XXXX XXXX XXXX  Reported : XX/XX/2019 + {$81.00} Needs Attention XXXX XXXX XXXX  {$880.00} XXXX XXXX {$230.00} XXXX XXXX {$130.00} XXXX XXXX XXXX {$84.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debt can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: GA

Complaint narrative:
I went to my bank to see where to start in order to get a loan for a home. The loan officer told me that I did not qualify. I have been with this credit union for 20 years and has never had a problem. I have reached out to the FTC and to my local police department and have been doing this on my own behalf. I went and look at my credit and there are things on there that are not mine and would like for you to remove them XXXX XXXX XXXX  and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I spoke to KIA in XX/XX/XXXX about my account. I have been unable to work since XX/XX/XXXX, I receive 60 % of my salary. I had to place six to ten payment to the end of my car loan since XX/XX/XXXX. I spoke with them around XX/XX/XXXX. I explained I could not payoff this loan XX/XX/XXXX. They said I could keep making the monthly payment until it is paid off. Now I get a letter saying I am 48 days pass due as of XX/XX/XXXX. I wanted the due dated extended till the total payoff of XX/XX/XXXX. I had to take a double look and see they sent a default notice to me anyway. I owe {$700.00} I called twice to get help, all they kept saying was pay now, pay now. I felt such pressure I said I would pay {$100.00} by XX/XX/XXXX. However the clock keeps ticking and they are reporting me late on my credit report. I get paid once a month on the XX/XX/XXXX, Please can you help me.I already got beat by KIA selling me a fraud type car warranty. I also want add the KIA warranty to this complaint. Never used it, never asked for it, they added the {$3000.00} to my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ADP, LLC
State: TN

Complaint narrative:
I just received a letter saying that my wages were going to be garnished due to a court judgement. No one notified me about the court case so I wasn't able to defend myself. I didn't even know this was going to court. The company on the letterhead is ADP , LLC. The Attorney is XXXXXXXX XXXX  XXXX XXXX and it says I owe money to XXXX XXXX. They sent a letter to my employer to garnish my wages and I don't even know what this debt was about and didn't know they took it to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
Preferred Collection & Management have owing them {$160.00}, {$100.00} & {$53.00} respectively, supposedly for medical bills damaging my credit report file. I contacted them and explained that this account does not belong to me. I am a Veteran who is 100 % XXXX. The Department of Veteran Affairs ( VA ) pays 100 % of my Medical Bills & Medicine. 
However, still, On XX/XX/2019, I contacted XXXX XXXX XXXX XXXX, Billings at ( XXXX ) XXXX XXXX who told me that I owe nothing. I have a Balance of {$0.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: GA

Complaint narrative:
I went to my bank to see where to start in order to get a loan for a home. The loan officer told me that I did not qualify. I have been with this credit union for 20 years and has never had a problem. I have reached out to the FTC and to my local police department and have been doing this on my own behalf. I went and look at my credit and there are things on there that are not mine and would like for you to remove them XXXX XXXX   XXXX and 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 2019-07-08 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: GA

Complaint narrative:
I went to my bank to see where to start in order to get a loan for a home. The loan officer told me that I did not qualify. I have been with this credit union for 20 years and has never had a problem. I have reached out to the FTC and to my local police department and have been doing this on my own behalf. I went and look at my credit and there are things on there that are not mine and would like for you to remove them XXXX XXXX XXXX and 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 2019-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
After 2 requests Equifax hasn't provided me with my Annual Credit Report. Details of the problem are in my XXXX e-mail to Equifax CEO, XXXX XXXX. >>>CFPB- If the file hasn't gone through then I need an e-mail address, so I can provide this communication to the Complaint<<<

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I HAVE ATTEMPTED SEVERAL TIMES TO HAVE PEN FED CREDIT UNION REMOVE MY NAME AS AUTHORIZED USER THAT I NEVER GAVE PERMISSION TO BE ADDED TO I HAVE FRAUD REPORTS ALL 3 BUREAUS AND THIS IS AFFECTING MY CREDIT AND I WANT ALL 3 BUREAUS UPDATED IMMEDIATELY AS THIS ACCOUNT IS DELETED!!!!

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 2019-07-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: LendKey Technologies, Inc.
State: SC

Complaint narrative:
In XXXX of XXXX, I consolidated my private student loan debt through XXXX XXXX. I believed that I was getting a low fixed rate loan that was better than the private loan I took out at XXXX XXXX XXXX without credit history. The consolidated loan amount was for {$23000.00}. After 5 years of automatic and on-time payments I was sent this message On Mon, XXXX XXXX, XXXX by LendKey : " This is an important message to let you know that as of XX/XX/XXXX, XXXX XXXX will no longer be the servicer of your student loans ( s ) referenced in the attached letter. Effective on that date, LendKey will take over the servicing of your private student loan ( s ). '' Then on Thu, XX/XX/XXXX I was informed of this : " We are writing to inform you that after reviewing your loan we determined that your monthly loan payments had not yet been recalculated to reflect the quarterly changes of your variable interest rate loan. As you are likely aware, your variable interest rate is based on the 3-month XXXX XXXX Offered Rate ( XXXX ) index. Since XXXX of XXXX, this index has increased by approximately 0.77 % to its current value of 1.38 % ( as of XX/XX/XXXX ). '' My loan amount has increased significantly each quarter, so I have made very aggressive payments. In fact, so aggressive that I am actually have set to have paid off my full loan balance ; however, LendKey has an 8 BUSINESS DAY payment policy so every time I submit a payment, it takes nearly 2 weeks to clear the payment, charging me nearly 2 weeks of interest at this high rate. When I call Lendkey to try to make payments, they can't even tell me my remaining loan balance while a previous payment is " processing. '' My car payments and mortgage and many other lenders seem to process payments next day. I believe this payment delay should be regulated as it's clearly intentional and hurting people like me. I don't know why my rate switched from fixed to variable when my loan servicer changed, but I do know that I shouldn't be charged interest for 2 weeks when my lender won't let me pay my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Quality Asset Recovery LLC
State: FL

Complaint narrative:
Quality Asset Recovery reported that owed three amounts {$980.00}, {$960.00} and {$940.00} for medical bills for XXXX XXXX XXXX service to the Credit Bureau that caused my credit score to drop. These bills have been paid.

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 2019-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: KY

Complaint narrative:
Diversified Consultants added an account on my credit report for an alleged debt I do not owe. I do not owe them any money. They are flagrantly violating the Fair Debt Collections Practices Act, with their illegal debt collection tactics. When you speak with their customer service agents they are hostile and deceitful. They are flagrantly violating the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I had taken out a payday loan from speedy cash. Upon paying back the loan in person. The credit was never notated was sent to a collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
LVNV Funding LLC added an account on my credit report for an alleged debt I do not owe. I have no idea who this company is. They are flagrantly violating the Fair Debt Collections Practices Act, with their illegal debt collection tactics. Their debt collection tactics are deceitful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Portfolio Recovery Associates added an account on my credit report for an alleged debt I do not owe. I do not owe them any money. They are flagrantly violating the Fair Debt Collections Practices Act, with their illegal debt collection tactics. They are deceitful and abusive and are flagrantly violating the Fair Debt Collections Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08 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: Applied Business Services, Inc.
State: TX

Complaint narrative:
Ive had a charge off with XXXX Bank credit card thats been on my credit report since XXXX. Problem is, not  only do I not know how this account got on my report, but neither does Applied! Yet it remains there. Finally, today, fed up with the negative mark on my credit reports, I decided to give it another shot and call them. Ive already disputed this with the credit bureaus several times, but each time this company validated that the information they reported was correct. I asked today l, XX/XX/XXXX how much it would cost to just pay them to get rid of this, even though I truly believe its fraud. They were actually super nice and friendly, but after talking to the higher ups in the company, they said they couldnt accept a dime from me because they have NO record of me ever having an account with them. Thered be no way to apply it to my account because there is none! I asked them so if it actually were my debt and I wanted to pay it, how would I? They stated that I couldnt have. That thered be no way for them to accept money from someone theyve got no record of owing them. I then asked the woman, XXXX, ok, well then what is it youve been using to verify my account when you reply to the disputes XXXX   keeps sending you? She stated that it wouldnt be possible for them to verify something that doesnt exist in their system. I then asked is it possible this mystery debt was sold to a collection agency? She stated that they only do in house collections, and that even if it were sent to an outside collector, they never get rid of that information. So naturally, my last question was well can you remove it from my credit file? She stated that shed love to since clearly this is affecting me XXXX and my ability to purchase a house as the lender requires it to me removed, even if I must pay a debt that isnt mine. ) she stated unfortunately, shes not able to reach out to the bureaus and ask them to remove something she cant locate, and that my only course of action would be to dispute it again. Ive done this. At least 3-4 times with no success. I then called Experian, the XXXX reporting these bogus charges. They said the same thing, the only way to remove is to dispute it. I can not have any open disputes while purchasing my home. Its my first home and Ive got a family of XXXX to care for. Im now stuck with a horrible mark on my credit that no amount of money could even help, because I do not exist in this companies system, yet they continue to report it, and XXXX   continues to allow it. Yet my family gets to suffer the consequences of this clear case of fraud. All possible reports pertaining to this have been filed. I await a swift response so I can proceed with my home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: LA

Complaint narrative:
I don't recognize the following inquiry XXXX XXXX Inquiry from XXXX XXXX, 2018. Please investigate and ensure there is no fraudulent activity.

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 2019-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2018 I arrived to my XXXX in XXXX XXXX ( confirmation code HMR XXXX XXXX ) The place was absolutely disgusting and unsafe. 

I communicated with XXXX and also my bank to help file a claim. 
We did not stay for even 24 hours. 

Fifth Third bank instructed me to NOT SPEAK to XXXX further, that their " resolution team '' would handle XXXX. The 5/3 representative assured me I had nothing to worry about. I explained the situation THOROUGHLY to the agent. She said to sent her photos, correspondence and well as phone records etc. I did so. 

In, my opinion after 5/3 bank realized I was not a XXXX XXXX dollar customer, they did not bother to work on my behalf. 

I was issued a provisional credit as I did not receive the service that was charged on my card. 

Sometime later, Fifth Third bank decided that I was at fault for the matter. The agent asked me if I HAD reached out further to Airbnb ( I was told not to do so ). 

The final resolution was that I needed to resolve the matter on my own. I would have done so, however, I was instructed otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Comenity Bank/CompanyStore changed status of this account on credit bureau reporting. This account was closed and cancelled back in XX/XX/XXXX.

XX/XX/XXXX credit bureau report has changed the running status from XX/XX/XXXX-XX/XX/XXXX to show ND and OK. The closed date has been unauthorized to move to XX/XX/XXXX.

ACCOUNT was closed in XX/XX/XXXX by consumer. 

Report the account accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
Approximately in XX/XX/2018 my contract with XXXX had expired. All payments were made and i was no longer in need of starting a new contract. I advised XXXX to cancel all services. XXXX then sent an early cancellation fee to collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
My complaint is against I C SYSTEM INC account # XXXX. This collection company cashed out a check back in XXXX for the amount of {$490.00} with the condition that the account was going to be removed from al 3 credit bureaus. They chased the checkout but didnt remove collection from all reports. This is a clear violation of the FCRA and legal action is going to be taken in the event that this mentioned company does not remove collection from my reports. Im attaching a copy of the check this company cashed in with written condition of deletion.

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 2019-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
DIVERSIFIED CONSULTNTS INC CLAIMS I OWED THEM FOR SERVICE I OPEN WITH XXXX XXXX XXXX TWO MONTHS AGO. I DIDNT ANY ACCOUNTS WITH XXXX XXXX XXXX TWO MONTHS AGO. I ASKED THEM TO REMOVE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Credit Karma refuses to help or acknowledge the issue of my dispute status on 6 disputes started XX/XX/2018 are still pending and not able to correct. Credit karma said to contact XXXX XXXX XXXX XXXX XXXX denoes seeing the issue even though I can show screenshots where it shows its been stuck fornover a year and half now. No way to get hold of anyone to help at credit karma. They are useless with email. No resolution at all. I have tried for a long time now.

Company response to consumer: Closed with explanation