vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: KS

Complaint narrative:
XXXX XXXX Solutions is attempting to collect on cable bill debt that was removed from  XXXX XXXX Kansas that was the amount of XXXX in XXXX XXXX2019 Now they are making a false balance saying I owe XXXX I would like to have this debt removed from my credit thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
Seen this company on my file named ABILITY RECOVER SERVICES and the amount of {$430.00} alleged to be owed and not sure who this company is nor this purported Debt.

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 2020-01-16 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 — Was not notified of investigation status or results
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
RM Galocoa/progrm mgmt systems is reporting on my file, however I have no contract them and have never opened an account with them. I believe this is a violation of my privacy rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
After reviewing my credit report from EXPERIAN, I have noticed that the report shows 6 fraudulent credit inquires that I did not authorize. 1. ) XXXX XXXX XXXX 2. ) XXXX XXXX 3. ) XXXX XXXX XXXX 4. ) XXXX 5. ) XXXX XXXX XXXX XXXX 6. ) XXXX Please investigate and remove these inquiries as quickly as possible. I have included with this complaint copies of all required documentation. Identity Theft Report, Letter to Experian, Drivers License, Social Security Card, Proof of Residence, XXXX  Credit Report, and FCRA 605B

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 2020-01-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
The problem I have with the company is that I do not have a breakdown of what I have already paid to the company. I borrowed {$2600.00} to fix my car and now the terms state I owe {$12000.00} to be paid in 90 payments until XX/XX/2023. The interest is 134.073 % is 10 times than what I needed. That is absurd. The state of California doesn't allow this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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:
On XX/XX/2020, I received alerts from various credit monitoring services in regards to my report being accessed building inquires, I did not authorize and no one called me to obtain authorization as it states on my fraud alerts. I contacted, XXXX, XXXX  and Transunion customer service lines and none would help after, having the police report and FTC report mailed to them.

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 2020-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Medical Revenue Services has repeatedly called me, told me I could not set up a payment plan and now says that I am required to tell them how much I am getting back on my income taxes this year. I dont feel that I should be required to disclose that information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: KS

Complaint narrative:
Waypoint resource group is trying to reage a debt that was removed XXXX XXXX XXXX   in XX/XX/2016

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
called and told XXXX XXXX i was moving back in XX/XX/2019 and turned my equipment in they told me i was not on contract and everything was okay and they will cancel my service i noticed a bill in XX/XX/XXXXfor {$500.00}. i called them and and paid. now I have bill collectors harassing me for service i never got.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: IL

Complaint narrative:
This Debt is not mine and has been reported on my credit report by this unknown company as CMRE in the amount of {$430.00} with an account number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Doonan, Graves & Longoria
State: MA

Complaint narrative:
Doonan, Graves and Longoria LLC filed a lawsuit on a time-barred debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have tried multiple times unsuccessfully to have the reporting of my student loans corrected at all three credit agencies. In response to my inquiries I receive form letters denying this correction. There are 12 separate listings, some are repeats of same loan, on each report of Equifax, XXXX, and XXXX.

Each contains multiple errors such as listed as still open and 120 days past due even though paid in full in XX/XX/XXXX, amounts incorrect, status incorrect marked as open when closed and multiple are over 7 years since first delinquency.

Please help me correct these reportings. I was behind in my payments in XX/XX/XXXXdue to personal illness and went through the loan rehabilitation process and consolidation process. My loans have been current for over 5 years yet these older accounts still remain as currently past due.

XXXX  does not respond and just sends form letters and adds comments stating verified by grantor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: GA

Complaint narrative:
I have disputed the listed inquiries with Experience on several occasions and have not received any resolution. According to the Fair Credit Credit Reporting Act a consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Inquiry : XXXX  CardDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX  CardDate of Inquiry : XX/XX/XXXX Inquiry : XXXX  CardDate of Inquiry : XX/XX/XXXX Inquiry : XXXX  CardDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX  XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX  CardDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX  Cards XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXXXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : 0XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXXXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX   CardDate of Inquiry : 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 2020-01-16 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I have disputed alleged account from NAVY FEDERAL CREDIT UNION multiple times with XXXX  and XXXX. They ( XXXX  and XXXX  ) claim the information is " verified '' but can not provide indisputable, undeniable proof. I have asked for prima facie evidence on more than one occasion via jurat affidavit to XXXX XXXX d/b/a Navy Federal Credit Union, Chief Financial Officer dated XX/XX/2019 bearing USPS Certified Mail # XXXX and have not received the response from the previous notices dating back to XX/XX/XXXX that were sent to Navy Federal Member Service Department as well ( evidence can be furnished upon request ). Furthermore, the alleged creditor has been sent a CERTIFICATION OF NON-RESPONSE/NON-PERFORMANCE ( jurat ) dated XX/XX/2019 bearing USPS Certified Mail # XXXX evidencing the alleged Creditor AND Credit Reporting Agency 's inability to properly " verify '' the accuracy and completeness of the information they are furnishing/reporting which is infringing upon my consumer and inalienable rights and hurting my ability to obtain credit. Under FCRA 15. U.S.C. Sec. 1681, unverified accounts must be promptly deleted. They have been given over 30 days to provide verifiable proof and have failed to do so. I have demanded the erroneous information to be removed from my credit report and will seek damages in a competent court of jurisdiction in addition to filing a complaint with the Attorney General, Better Business Bureau, and IRS Financial Crimes Task Force in the event this issue is not resolved immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have disputed alleged account from XXXX XXXX XXXX XXXX multiple times with XXXX  and Experian. They ( XXXX  and Experian ) claim the information is " verified '' but can not provide indisputable, undeniable proof. I have asked for prima facie evidence on more than one occasion via jurat affidavit to XXXX XXXX d/b/a XXXX XXXX XXXX XXXX, Chief Financial Officer dated XX/XX/2019 bearing USPS Certified Mail # XXXX and have not received the response from the previous notices dating back to XX/XX/XXXX that were sent to XXXX XXXX Member Service Department as well ( evidence can be furnished upon request ). Furthermore, the alleged creditor has been sent a CERTIFICATION OF NON-RESPONSE/NON-PERFORMANCE ( jurat ) dated XX/XX/2019 bearing USPS Certified Mail # XXXX evidencing the alleged Creditor AND Credit Reporting Agency 's inability to properly " verify '' the accuracy and completeness of the information they are furnishing/reporting which is infringing upon my consumer and inalienable rights and hurting my ability to obtain credit. Under FCRA 15. U.S.C. Sec. 1681, unverified accounts must be promptly deleted. They have been given over 30 days to provide verifiable proof and have failed to do so. I have demanded the erroneous information to be removed from my credit report and will seek damages in a competent court of jurisdiction in addition to filing a complaint with the Attorney General, XXXX XXXX XXXX, and IRS Financial Crimes Task Force in the event this issue is not resolved immediately.

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 2020-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
Noticed an authorized account on my credit file from COMMONWEALTH FINANCIAL in the amount of {$110.00} with an account number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: OH

Complaint narrative:
I have several accounts that I do not recall EVER doing business with still showing on my credit report. I was a victim of fraud so demand to see any and all legal documents connected to any contracts for business. Please delete XXXX XXXX. This is the second time I have had this issue. They are in violation of FDCPA and FRCA laws, 623,611 FDCPA 809,805 Aas well as HIPPA!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: OH

Complaint narrative:
I have several accounts that I do not recall EVER doing business with still showing on my credit report. I was a victim of fraud so demand to see any and all legal documents connected to any contracts for business. Please delete XXXX XXXX. This is the second time I have had this issue. They are in violation of FDCPA and FRCA laws, 623,611 FDCPA 809,805 Aas well as HIPPA!

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 2020-01-16 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I pay my credit card on time every month on the date or before. When I call and try to make a payment on time the rep. states I owe from prior month and expect me to pay double! I then give the name I spoke to and my confirmation number.. rep proceeds to say YES it shown you made payment!? but did not go through?? I stated to rep I never receive a VOICEMAIL EVER but get harassed with a text XXXX weeks after I make payment and expected to pay double the flowing month! ridiculous!!! I spoke to a very nice gentleman and told him my situation and stated your information is all in the computer and payment went through when he puts it in. He then apologize and said this shouldn't be happening all those month and proceeded to put in a complaint in for me and I have NOT HEARD FROM ANYONE! so, I try to make a payment on XX/XX/XXXX at XXXX XXXX  Florida time and she informed me that I had an outstanding balance of XXXX! again, I gave the name of the person and confirmation number from XX/XX/XXXX and she stated clearly! " yes it shows you paid on time but did not go through! '' I asked to speak to a supervisor and she did NOT want to do so. I hung up phone. here are the names and confirmation numbers XX/XX/XXXX with XXXX XXXX XXXX ) XXXX with XXXX at XXXX XXXX. ( XXXX ) XX/XX/XXXX with XXXX at XXXX ( XXXX ) XXXX XX/XX/XXXX with XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX paying XXXX with XXXX- XX/XX/XXXX XXXX ( XXXX ) FYI.. I am no longer with REGIONS which I have been for almost 20 year! I bank elsewhere. Thank you!!

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 2020-01-16 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-01-16 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The complaint is about Chase Bank. I received a text message stating that my bank account has some fraudulent activity. There was a link on that text message. I clicked on the link it took me to a Chase login page. The page had to chase logo and a place for me to put my login and password. I put in my login and password and Nothing happened so I put in my login and password again still nothing happens. I thought it was weird but since my credit cards were still working I didnt think much of it and continued shopping. Then I checked my checking account after this happened there was money sent using XXXX to some unknown place. I immediately called Chase customer service told them what happened they inform me that my bank account has been compromised. I followed the instructions they gave me which was to make a claim and go onto the bank and make a new checking account. I did this immediately Right after I hung up the phone with Chase. I had to change my direct deposit and all my automatic payments information. I have been banking with Chase for years I have many accounts with them. I finally got a letter in an email after about A week. The letter stated that there was no fraudulent activity that they found. I told them I did not make this transaction and Chase told me that there was nothing they can do. They said that I can go to the police and the police can help me. The police are not going to find time to find out who hacked into my account and took {$300.00}. I was hoping more from my bank. The bank tells you all these things that they will do for you when you were looking for a bank account and now that something has happened they can not help me. I have never sent money to this vendor and I have never had this happen on my account, i have never been late on any payments. I feel like my bank is not helping Me and somehow this is my fault.

Company response to consumer: Closed with explanation