vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: 1st Franklin Financial Corporation
State: LA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2019-12-19 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: FL

Complaint narrative:
i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. I also contacted the CREDITOR and they have no such records of am inquire made with the company. i must have been the victim in a cyber hack or identity theft. these non-account holding inquires with : XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX- XXXX, XXXX-XXXX  XXXX  XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.

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 2019-12-19 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: FL

Complaint narrative:
i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. I also contacted the CREDITOR and they have no such records of am inquire made with the company. i must have been the victim in a cyber hack or identity theft. these non-account holding inquires with : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX- XXXX, XXXX-XXXX  XXXX  XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.

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 2019-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: LA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. 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 2019-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: LA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CL Holdings LLC
State: AZ

Complaint narrative:
My social security number is XXXX. Since about XX/XX/2011, I am still waiting on wages owed to me. Over the past eight years, I've attempted to make partial payments on my balances owed approximately {$850.00} to {$1000.00} for two accounts. I appreciate Jefferson Capital Systems originally XXXX XXXX XXXX  accepting money from me over this time. However, I am concerned about damage to my credit. I am still collecting unemployment and now I am starting school next year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I was supposed to be receiving concert tickets and they ( the scammer ) wanted me to send the money through PayPal. So I did and they asked me to send it through family and friends so they wouldnt get charged as many fees. So I sent it thinking it was safe and secure because they sent me an email confirmation where they had the tickets. I never received the tickets and they blocked me on everything shortly after. I filed a dispute that night with PayPal XX/XX/2019. They told me they would get back with me on or before XX/XX/XXXX, XXXX.They did not get back with me. I had to contact them and when I did they transferred me many many places just to tell me they couldnt do anything about it because it was sent through family and friends and not business. I would also love to upload my dispute with them but it seems as if they have already taken it down and it isnt even found in closed cases? The case number was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Initially contacted the Citibank about apply Ohio SCRA benefits to accounts on XX/XX/2019 Received benefits for open accounts, but have been told they do not have records of my closed account. I have called them several times, with the last time on XX/XX/2019. I gave them the account number from my credit reports for a Citibank AT & T Universal that was closed and each time they told me it was invalid account number. I was unable to explain more than that and was told to find the full account number. I have attached old correspondence for that account from Citibank for reference.

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 monetary relief
Consumer complaint received 2019-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have had a security freeze on my Experian account since XX/XX/2009. I have successfully lifted the freeze temporarily several times using my PIN. This is no longer working for me, even though I entered the information correctly, including my PIN. The only option to unfreeze my credit that was provided by Experian is to mail a letter and copies of documents containing my personal information to them through USPS. This is unacceptable, as it : -Requires additional expense ( especially since these documents should be sent via certified mail as they have sensitive data ) - so this is no longer a free service -Takes too much time - I need for my credit to be available today, not two weeks from now. 

There are no customer service options - if I could talk to a real person today, I'm sure he or she could unfreeze my report and all would be well. It's unacceptable that it is impossible to talk to someone about this and the only option is to mail documents through the mail.

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 2019-12-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian refuse to remove XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. From my credit report. Even thought these accounts where removed from XXXX  and XXXX  on. 
XX/XX/2019 and XX/XX/2019. These accounts are not mine and have been removed.

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 2019-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc.
State: WA

Complaint narrative:
First I signed a legal agreement with American First Finance, and told them I will not allow them to take direct payments from my bank account, they set it up as auto debt. This was the first legal agreement they broke. I went to my bank and they will stop any attempt at them trying to use my bank account. According to the information I received from the customer service chat I was able to make payment through email. here is that conversation What email can I pay through, I was told XXXX there is no way to pay through American First Financial 's email. I want these guys out of life. they lie, lie and lie. I refuse to continue with them. They refuse to take payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Texas Guaranteed
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: TX

Complaint narrative:
I have been trying to dispute these accounts on my credit report but i havent had any success. Please delete and block the following accounts : XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX {$25000.00}

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 2019-12-19 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: AR Resources, Inc.
State: FL

Complaint narrative:
XXXX  refuse to remove AR resources inc and XXXX XXXX in trust accountXXXX From my credit report. Even thought these accounts where removed from XXXX  and XXXX  on. 
XX/XX/2019 and XX/XX/2019. These accounts are not mine and have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: CL Holdings LLC
State: TN

Complaint narrative:
Jefferson Capital agreed to cease collection activity on the XXXX XXXX account as well as REMOVE the entry in its entirety from all three of my credit reports. Upon checking my reports, Jefferson Capital did not delete the entry as promised. They just changed the account to " current '' and then listed " charged off as bad debt '' in the comments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
I attempted to contact the company and was past due and daily interest is being charged. I told the company that I cant the past due all at once and could they please close the account I no longer want to use their services. I can pay XXXX a week on the account. They said no gave me another option - I said again what I can pay. They said they will not close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: LDF Holdings, LLC
State: SC

Complaint narrative:
I have a debt that is owed to Availblue loans, which is currently under dispute. This company notified my on XXXX that my account had been removed from revenue reporting services. I am disputing that availblue had the right to lend to me because they are not a legal lender in south carolina. They emailed me back stating that south carolina law did not apply to them and they would continue to collect on the loan. They gave an address to mail a formal dispute letter which I have done as of the end of XXXX. I have not gotten a response but I did receive a call from XXXX XXXX XXXX at my workplace today. I have previously been told by XXXX XXXX that they had a cease and desist order on my account, and by availablue that they had retracted my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX, there were 3 fraud checks cashed through my checking account, causing the account went to negative. Two additional legitimate checks were cashed on the same day. Wells Fargo charged overdraft fees on the legitimate checks and reversed the payments on the fraud checks. If there were no fraud checks, the fund would have been sufficient to cover the legitimate checks. Wells Fargo has refused to refund the overdraft fees based on the argument that the bank bears no fault.

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 monetary relief
Consumer complaint received 2019-12-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XXXX I had a power outage. It came back on that night. I immediately called Kohl 's and made a payment. I called on XX/XX/XXXX to make sure they received it. The girl said did i care if they charged me half a month late fee. In XXXX I called on XX/XX/XXXX the date my payment was due. I told her the fee was suppose to be removed. She told me to just pay my {$27.00} payment and the fee would be dropped. Instead it didn't, they charged me a full fee in XXXX as they said I didn ; t pay the half month fee that was suppose to be taken off. 
The informed me that the late fee would be added on to the balance. If I didn't pay they would report to credit bureau. I have been told they would remove the fee but still owe XXXX. They are ripping people off by adding that on to the balance. It is very confusing the way they do it. I did exactly as the girl told me too and I got billed a full late fee on the hlf which i was told would be removed. They have very bad help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$1200.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I had health insurance at the time and therefore these costs were covered and there should not be any outstanding balance due. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 )  bureaus to remove these items however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I was having a cell phone dropped on XX/XX/XXXX, and the screen is shattered, I want to use my uber visa signature card cell phone protection insurance to pay for the repair of {$300.00}. 

Upon calling the card customer service I was provide the guide to benefit and phone number to call benefit admin with XXXX, they filed a claim on my behalf and the claim number is XXXX, I submitted my proof to eligible documents which are : phone bill and statements that I paid for these phone bill using my uber credit card for the past whole year. 
After 3 weeks I getting a denied says : " According to our records, you claim was denied since the benefit did not go into effect untilXX/XX/XXXX of 2019. '' This cell phone protection benefit was there before and not start from XX/XX/XXXX according to my benefit guide, after that I called multiple times both with Barclay and this insurance company, they kick the ball to each other : Barclay says any claim decision is belong to the insurance company and insurance company says this date is provided by Barclay. 

Oh their website of benefit change ( https : //www.barclaycardus.com/apply/action/handleFile? id=ub4ProductChangeFAQ ) the specifically says that : " If you have already set up your total monthly wireless bill to be charged to your Uber Credit Card, you may continue using your cell phone protection benefit without interruption. " This clearly not the case, my eligible claim was interrupted and been denied on both sides to help me forward.

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 monetary relief
Consumer complaint received 2019-12-19 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Midland indicates that they have charged off a account with XXXX XXXX on my credit report, but aren't accurately reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: Atlanticus Services Corporation
State: SC

Complaint narrative:
This company Fortiva sent me a letter about being denied for credit. I never applied with credit with company. I don't know how they got my information.

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