vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC
State: FL

Complaint narrative:
There is a negative and false report of debt in my name and on my credit. Fidelity Creditor Service is claiming that I owe XXXX XXXX XXXX ( which is referred to as XXXX XXXX XXXX XXXX in court documents ). This is in regards to an apartment that was infested with toxic mold. A judge at XXXX XXXX Courthouse ruled in my favor On XX/XX/2019. Please see attached documents. 
A month later, I received a letter from Fidelity Creditor Service that I owe XXXX XXXX XXXX and to contact them if the debt wasn't accurate which I did in a signed letter on XX/XX/2019. I recieved no other notification from Fidelity Creditor Service regarding this. No follow up. It wasn't until I checked my updated credit score in XXXX that I saw they inaccurately left the debt on my record. I called the company on XX/XX/XXXX to ask for it to be removed. At first they said it couldn't be removed due to a law ( when I asked what law, he couldn't tell me ) and then they indicated there was a possibility it could. I felt as though they were playing games with me. 
I sent them a package via certified mail with all of the court documents and evidence. I am following up with this report. I notified them in the phone conversation that I would be making this report. 

This false and negative report of debt on my credit has caused my credit score to be substantially lowered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: TX

Complaint narrative:
I recently applied for a line of credit with a local department store and was denied. After being denied I pulled a copy of my credit report to see what was on it found several account that need to be removed because they are not mine. The accounts are XXXX, XXXX XXXX XXXX, XXXX. XXXX, XXXX, and one with just an account number and no name, acct # XXXX. There are also numerous inquiries as well : EQUIFAX MORT EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX EQUIFAX MTG EQUIFAX XXXX XXXX XXXX XXXX XXXX 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 2019-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
This debt was paid in full in XXXX of 2019. Was removed from my credit report then and is now back on there showing not paid ... .. This is wrong and must be updated ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax ; XXXX  and XXXX are reporting incorrectly a charge-off in the amount of {$7100.00} on the XXXX XXXX account number XXXX. ( Please see page 2 attached from my credit report. ) This vehicle was in a car accident and the insurance company paid off the remaining balance due and therefore there is no outstanding balance to report and/or charge off. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase customer service refuse to help when XXXX XXXX XXXX charged my credit twice for same future service which is in XXXX when I disputed the charge they're saying you can't get refund from the service, because it's already paid, but they are charging me twice for same thing. And Chase customer service refuse to acknowledge the fact I'm being charged for twice and can't dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am unable to place a credit freeze on my account. On XX/XX/19 I went online and spoke to two Equifax agents about placing a freeze on my account. I have extremely detailed financial records and provided them all financial information I had on hand, but the questions they required of me did not permit them to give me access to my account. They provided no reasonable means for freezing my credit and I believe this is a violation of the law and that they should be liable in the event of a credit incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One Bank on accounts # XXXX and # XXXX are paid off and are still reporting a balance on my credit. These were charged off but I have gone and paid everything and it should no longer be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: NC

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX - XXXX**** XXXX to XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: UT

Complaint narrative:
XXXX XXXX XXXX on accounts # XXXX and # XXXX are paid off and are still reporting a balance on my credit. These were charged off but I have gone and paid everything and it should no longer be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: UT

Complaint narrative:
XXXX XXXX XXXX on accounts # XXXX and # XXXX are paid off and are still reporting a balance on my credit. These were charged off but I have gone and paid everything and it should no longer be on my credit.

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 2019-08-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: WI

Complaint narrative:
On XX/XX/XXXX World Finance did a hard inquiry without my permission. On XX/XX/XXXX XXXX World Finance status was open {$480.00} past due as of XX/XX/XXXX. On XX/XX/XXXX XXXX shows account was charged off XX/XX/XXXX and the past due {$880.00} as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: NJ

Complaint narrative:
I bought a vehicle from a certified dealer ( XXXX ) who approved my loan based on my excellent credit score from XXXX ( XX/XX/2019 ). My Experian credit is currently frozen and no matter what I do, I can not get them to unfreeze it. I can not reach a human on the phone, I can not get through with the automated prompts and my information. I can not get through via my account online. I tried to get through various ways for about 2 weeks. I mailed Experian the requested documents on XX/XX/2019. According to Experian, it takes 3 business days to respond to my request. It has been 8 business days ( not counting Saturday mail days ) since I've mailed the paperwork. I have no response from Experian stating that they even received the mail from me. In the meantime, my car 's temporary registration is about to run out and the dealership doesn't want to work with me to get the sale of the car finalized. I've been back and forth with them, updating them on my issues with Experian to no avail. I need help speaking to a human being at Experian, updating my correct information, and permanently lifting my credit freeze so I can move on with my life. It is absolutely disturbing that speaking to a human, etc. is impossible, especially when credit is all we have as Americans. Please look into their automated system of blocking a person from speaking with a human being as well as their lack of human interaction in regards to contacting email support.

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 2019-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
On XX/XX/XXXX I was notified that I had a new credit inquiry from XXXX. I did not try to open an account and called XXXX who confirmed an account was not opened. I want this inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: National Management Recovery Corp. (NMRC)
State: CA

Complaint narrative:
I have been attempting to resolve the situation listed below since XX/XX/2019. I have worked with legal representation for National Management Recovery Corporation ( NMRC ) through a company  called XXXX XXXX and was promised resolution but the issue is still open. 

History and details of issue : On XX/XX/2019 I was contacted by a local phone number that actually belongs to my city police department. The caller informed me that she works for the XXXX, California Police Department and she was trying to verify my location so that she can have me served with court documents. When I stated I did not know who would be suing me, she gave me the name of the law firm, XXXX XXXX XXXX at XXXX and said that I have an hour before my papers were served. When I called the number above, I was told that they were a law office and that I had a lawsuit against me for fraud and embezzlement and that I had one hour to pay the debt in full or they would contact my employer letting them know I had committed fraud. I agreed to pay the {$5700.00} on my credit card, which included a {$150.00} charge to rescind the court filing paperwork. 

After I paid charge I began to believe the claims were untrue so I returned the call I had received from the local police department which is when I discovered that my police department had not been involved at all and that it is possible for these scammers to tap into local authority 's phone banks to begin the scare tactics and send the consumer to the false legal firm. I then called back the company and was told they are actually a collection agency called " XXXX XXXX '' and that their parent company is " National Management Recovery Corporation. I spoke to a XXXX XXXX and a XXXX XXXX, both of which used vile and insulting language, and denied they committed fraud by impersonating a police officer and an attorney. All the while I told them I was trying to determine the legal nature of their collection practices. 

I have been since contacted by an XXXX XXXX, legal counsel that represents XXXX XXXX which represents NMRC. Mr. XXXX informed me that NMRC was utilizing illegal debt collection practices and that my account should not have been in a status to be collected. Mr. XXXX and I agreed I would dispute the fraudulently collected charge of {$5700.00} to ensure the charge was removed from my credit card. However, I have now been unable to contact representation at XXXX XXXX to successfully resolve the issue.

This situation is nearly three months old and I will continue to escalate to all available agencies to put a stop to the illegal collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: TX

Complaint narrative:
I recently applied for a line of credit with a local department store and was denied. After being denied I pulled a copy of my credit report to see what was on it found several account that need to be removed because they are not mine. The accounts are XXXX, XXXX XXXX XXXX, XXXX. XXXX, XXXX, and one with just an account number and no name, acct # XXXX. There are also numerous inquiries as well : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX  XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-26 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 recently applied for a line of credit with a local department store and was denied. After being denied I pulled a copy of my credit report to see what was on it found several account that need to be removed because they are not mine. The accounts are XXXX, XXXX XXXX XXXX, XXXX. XXXX, XXXX, and one with just an account number and no name, acct # XXXX. There are also numerous inquiries as well : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-08-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Re : Capitol One Auto Finance, XXXX XXXX. XXXX XXXX, XXXX, TX XXXX There are 2 Hard Inquiries on my XXXX credit report that I did not sign for, or authorize. I did not apply for credit with this company. The inquiry date are as follows : XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I pay my account every month using the companies website and i always get notified that the billing has gone thru, however, a couple times i was notified 30 days later that the billing didn't go thru and that a 30 day late pay was added to my credit report. I have tried to correct the issue with the company and the credit bureaus but have had no success. It is damaging my credit score and i'm not able to get the best interest rates by no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX of 2019 I contacted Chase Bank, to speak about a settlement. I spoke with an associate and supervisor about paying a set amount for the removal of this account. Due to me being hospitalized, resulting in a XXXX XXXX XXXX. I am now disabled and can not work, so this was crucial to the decision to pay said amount. Fast forward to XX/XX/XXXX and to my surprise its still showing. I called Chase yet again to only be met with their representatives accusing me of lying and continuous blatant disrespect. As soon as they find out Im XXXX ; Im treated as though I have little to no comprehension. XXXX XXXX # XXXX was not only intent on not helping me, but shes sorry Im too sensitive and cant understand her.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: DC

Complaint narrative:
On XX/XX/XXXX I was notified that I had a new credit inquiry from XXXX. I did not try to open an account and called XXXX who confirmed an account was not opened. I want this inquiry removed from my credit report.

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 2019-08-26 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: DC

Complaint narrative:
On XX/XX/XXXX I was notified that I had a new credit inquiry from XXXX. I did not try to open an account and called XXXX who confirmed an account was not opened. I want this inquiry removed from my credit report.

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 2019-08-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
I'm making advance payments on a loan - the loan is current and I'm making additional payments. The lender is not applying additional payments to principal even though their contract states they should do that. I've called them 16 times and been put on-hold each time, for up to 45 minutes. When I do get through they either refuse to correctly classify the payments ; tell me they will let me speak to a supervisor then put me on a long hold and disconnect the call ; or simply disconnect the call.They don't acknowledge emails or physical letters. Specifically these are the advance ( principal ) payments which the company is incorrectly crediting to interest ( total of {$1300.00} ) : XX/XX/XXXX -- - {$50.00} XX/XX/XXXX -- - {$50.00} XX/XX/XXXX -- - {$250.00} XX/XX/XXXX -- - {$25.00} XX/XX/XXXX -- - {$250.00} XX/XX/XXXX -- - {$250.00} XX/XX/XXXX -- - {$160.00} XX/XX/XXXX -- - {$22.00} XX/XX/XXXX -- - {$250.00} XX/XX/XXXX -- - {$50.00}

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 2019-08-26 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: TX

Complaint narrative:
I have call Experian several times regarding many factual errors in reporting on my credit report. And i have discussed those errors to a supervisor and nothing was ever done at all to fix or removed that account off from my credit report. 

It is illegal for a creditor or collection agency to change the purge from date on a negative credit listing, causing it to remain on a consumers credit report longer than allowed by federal law. 

please see attach docs ... .PLEASE DELETED 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