vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-02 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: FL

Complaint narrative:
I did not authorized these following inquiries below : They have been affecting me from getting credit. 

XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX - XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 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:
It has come to my attention that the a collection company Innovative Recovery has added a collection that does not belong to me on my Equifax. I have spoken to them directly and they have verified with me that the information they have in file does not match my information given. I have never resided in the State of Texas, therefore it was a mistake from either the Credit Bureau or the collection agency to have wrongfully added it on my Equifax. I have filed a police report and have also opened up multiple disputes with Equifax that have been a waste of my time as they continue to deny them. I have lots of proof that the account does not belong to me and I have submitted them to Equifax also. My family of XXXX will become homeless of this does not clear off my credit. Please help me in any way you can. I have been disputing this as of early XXXX and my lease is already up. It is unfair that innocent people like myself have to suffer from both emotional distress, almost loosing my job, and becoming homeless over a mistake someone else has caused. I am able to submit all the necessary information you may need. Please help me once again to remove and or delete this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
i went to a hospital in emergency after an accident on, i was charged over $ {$6000.00} by the XXXX XXXX XXXX XXXX XXXX hospital which my health insurance paid, there was no delectable after complete payment left, after a 2 months i have received debt collector letter to pay amount of {$19.00} or they have written in big bold letter that it would be sent to all 3 credit beuro, i disputed this charge but they are not even bothering to listen or respond and keep sending robo calls on my phone nos harassing me to pay or it would be sent to credit beuro

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 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: ID Analytics, Inc.
State: NJ

Complaint narrative:
On 2 occasions starting in XX/XX/2019 via Sagestream Website and in XX/XX/2019, via certified mail, I requested that sage stream LLC put a freeze on my credit report and send me confirmation and they have not sent me confirmation. In betwee the time of XX/XX/XXXX -XX/XX/2019I have left numerous voice messages in regards to the matter but still no confirmation. 

I submitted the Proper copies and my Photo ID and well as copy of my SS card So for some strange reason Sagestream doesn't seem to want to honor my request. Help and assistance is needs to obtain my security freeze and security PIN

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I recently pulled my credit in attempt to purchase a home and found a collection on XXXX  from Fair Collections & Out for {$9200.00}. This debt is not mine and I have repeated disputed and requested documentation that this account belongs to me. Each time the dispute is closed as fair under the FCRA. 

I have even submitted letters asking for documentation that this account belongs to me, I have not received a response and I um unable to have this deleted from my account.

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 2020-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
A bankruptcy that I did not do remains on my report even though no verification has been released or given. This is inaccurate and not within my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Reviewing my credit report in XXXX XXXX and noticed a lot of errors, inconsistent, and incorrect information. Sent a letter to Experian and XXXX  on XXXX XXXX of XXXX via mail asking them for an investigation and to verify all the dates and amounts were correct and fix the incorrect reporting on my credit. They did not respond at all so I sent another letter on XXXX XXXX XXXX via mail, again asking for an investigation and proof. They still didnt respond to that letter so I sent a third letter on XXXX XXXX of XXXX certified mail so I have proof that they signed for my letter.

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 2020-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: CA

Complaint narrative:
1. Around XX/XX/XXXX, I noticed a " Hard Inquiry '' from " Greensky Financial '' on my credit report. 

2. I immediately contacted Greensky by phone. They told me there is an installment loan application under my name. 

3. I replied to Greensky that I have never inquired, requested, or applied for a loan at Greensky. They said they would investigate this fraudulent loan application and get back to me. 

4. On XX/XX/XXXX, approximately three weeks after first contacting Greensky, I still had not heard back from the company, and so I filed an Identity Theft case with the FTC. 

5. On XX/XX/XXXX I also furnished Greensky with the Identity Theft Report and requested to 1 ) close the unauthorized account, 2 ) remove any charges on the unauthorized account, and 3 ) remove information about this account from my credit files. 

6. As of today, XX/XX/XXXX, almost two months after I first contacted Greensky, I have not received any reply from Greensky whatsoever.

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 2020-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have been threatened and harrassed to the point of cruelty by COMMENITY BANK. I made payment directly to the store and they told me I had to pay them, then the harrassment began and won't stop. I have had to block close to 100 DIFFERENT numbers and robo calls that get though to my voicemail. Ive also received texts and e mails!!!! I'm going to finish payment but they call me while I'm working too. Help me please!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Reviewing my credit report in XXXX XXXX and noticed a lot of errors, inconsistent, and incorrect information. Sent a letter to XXXX and TransUnion on XXXX XXXX of XXXX via mail asking them for an investigation and to verify all the dates and amounts were correct and fix the incorrect reporting on my credit. They did not respond at all so I sent another letter on XXXX XXXX XXXX via mail, again asking for an investigation and proof. They still didnt respond to that letter so I sent a third letter on XXXX XXXX of XXXX certified mail so I have proof that they signed for my letter.

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 2020-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The company name is Portfolio Recovery, I answered the call many times and spend hours explaining the problem I had with the original creditor. 
The accounts they purchased from my original creditors were reported as identity theft, and also a police report was provided multiple times. For years this company is calling me for this accounts. The accounts had fraudulent charges but the original creditors sold the accounts without farther investigation. They stated at the time that I did not send the information in time, but I have proof that I sent all the paperwork needed. All this information was explained to this collection company but they keep sending me the same information, ( this account was yours ). Yes the account was my but the charges were not. They just keep trying to get pay for a debts that were reported as Fraudulent. 
I did everything at the time, reported to the banks that holder my accounts, reported to the credit Bureaus and to the police, and I even put a credit alert on my Social Security. 
This company is filling me for years and years, every time I block the number they called from a different one. I have over 50 numbers already in my contact list that are blocked. I dont know what else I can do to stop this harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
1. Chase willfully and intentionally marketed and promoted its Chase Bank Business Visa to an individual who is not a business, but to an individual for business purposes and for which is was used. 

2. If Chases marketing and promotional strategies were intended ( targeted ) to engage the services of an individual, then clearly it would be illogical for Chase to promote or market a Chase Business Visa to any individual, therefore clearly demonstrating its full intention to engage a business-to-business relationship that directly involved an individual, which in this case, is a business opportunity with the nonprofit organization that I ( as an individual ) was involved. 

3. The Chase Business Visa application acknowledges and fully demonstrates its intentional to secure a business-to-business relationship by requiring the following business information first in the application process ( see Addendum # 1 in attachments ) - Legal Name of Business Name on Card Business mailing address - Type of Business - Business Phone - Tax Identification Number - Number of Employees - Annual Business Revenues/sales Years in Business - General Industry, Etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: OH

Complaint narrative:
I presented myself on XX/XX/2019 to a small XXXX XXXX XXXX XXXX XXXX for a XXXX  that went under my XXXX  all the way to the XXXX ( I have a photo of before and a second photo of after I had to remove it myself if I am able to attach them later ) The Dr. looked at it and stated that he couldn't attempt to remove it and referred me to a XXXX XXXX. No care was given aside from taking the normal vital signs. Upon leaving, the secretary handed me a bill for {$1100.00}. In shock, I stated that I would discuss this with my insurance company. On XX/XX/2019 I received a statement showing a contractual write-off of {$470.00} and a balance of {$700.00}. I then contacted XXXX  several times over the next few months asking for an explanation and an investigation of this ridiculous charge. In the end they stated that there was not anything they could do or would do to decrease or to wipe out the balance. I was forced to make a payment of {$50.00} on XX/XX/2019 as to prolong the issue. XXXX  then turned it over to a collection agency of whom I called to explain the situation. Again, nothing was done. I made two more payments to them and now they have turned it over to another collection agency. The balance is currently {$450.00}. I would like to have XXXX looked into for their outrageous process of billing when not providing any care.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian credit bureau is maintaining 2 negative accounts that I have disputed does not belong to me they refuse to delete these 2 negative/derogatory accounts and when attempting to dispute again currently they it blocked these accounts need to be removed immediately 1. Is {$5900.00} 2. {$260.00}

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 2020-02-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have written x3 ( as of now ) Regarding this issue with Chase bank again and the {$5500.00} that I paid in cash electronically to Chase VISA # XXXX. Chase Bank reversed my {$5500.00} electronic payment made, stop payment!! Chase Bank, should they decide to just steal this {$5500.00} from me ( as it appears now ), this will force me into bankruptcy and Chase Visa will get nothing, as well as the rest of my well deserving creditor ( s )!!!! 
I heard Chase Bank was dishonest, immoral, & horrible!! I had NO IDEA just HOW BAD they really ARE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I was contacted by I.Q. Data International , Inc. about a debt they said I owed for not paying apartment fees. This seemed odd as I had no issues and a clean balance sheet from my previous apartment and they never reached out to me about any debts owed. When I reached out to the apartment, they had a system error which an employee created two leases under my name and then accidentally cancelled the lease causing it to give me 'lease breakage fees '. They quickly removed the fees and sent me proof of a clean balance sheet showing nothing owed. 

I responded to I.Q. Data International , Inc. in person by calling, asking who to write to ( which they told me XXXX XXXX at XXXX - the parent company ), sent them an email in writing on XX/XX/XXXX with the balance sheet and debt info from the apartment building and didn't hear anything for a year. 

Now, on XX/XX/XXXX, they are continuing to send me letters again about the exact same charges, probably hoping I'd have forgotten and that I will pay, and I've done everything as the consumer to prove that they are completely wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The company name is XXXX XXXX, I answered the call many times and spend hours explaining the problem I had with the original creditor. 
The accounts they purchased from my original creditors were reported as identity theft, and also a police report was provided multiple times. For years this company is calling me for this accounts. The accounts had fraudulent charges but the original creditors sold the accounts without farther investigation. They stated at the time that I did not send the information in time, but I have proof that I sent all the paperwork needed. All this information was explained to this collection company but they keep sending me the same information, ( this account was yours ). Yes the account was my but the charges were not. They just keep trying to get pay for a debts that were reported as Fraudulent. 
I did everything at the time, reported to the banks that holder my accounts, reported to the credit Bureaus and to the police, and I even put a credit alert on my Social Security. 
This company is filling me for years and years, every time I block the number they called from a different one. I have over 50 numbers already in my contact list that are blocked. I dont know what else I can do to stop this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I've been on time with all my payments, I missed my last payment in error and am currently 11 days late and unfortunately can't pay for another 5 days. I have received NINETEEN phone calls from them in the last 4 days. Was told it won't stop until I pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-02 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: TN

Complaint narrative:
Capital One pre-paid crediting building credit card - After two years of good service with this company, I noticed a major change in how my payments were being processed. 
I would make a payment and my bank would tell me it was cleared and payed, yet Capital One would hold my payment for several days, sometimes weeks. They mismanaged my payments by holding them for a month at a time over the last five months. Several times I would called Capital One to verify my payment was received ( after verifying with my Bank that the payment was cleared ) and Capital One would add my Bank to our call and verify that the payment had been cleared. However, Capital One would continue to postponed my payment being available in their system ( remember this is a pre-paid card. I load the money and it should be available for my use within a few days ). Their representatives were rude to me on the phone when I tried resolving this issue time and time again. They would call my bank several times to verify payment the same payment and then still would wait several days, sometimes weeks to release the payment onto the pre-paid card. 

When I complained about this new practice of holding my payment for several weeks at a time the representative told me she could not help me and hung up on me. 

Due to this poor business practice over five months, I called Capital One and closed my pre-paid card with them. 

My credit score has now dropped over 100 points and my credit report shows a Capital One debt of over {$500.00}. ( You can not owe a debt on a pre-paid card. ) I would like to know how to get this off my credit report as it is drastically effecting my score and my ability to buy a home. Capital One has placed fraudulent charges on my credit report that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: URS Holding, LLC
State: NY

Complaint narrative:
Alltran Education is trying to collect debts on behalf of department of education each time I would ask to verify the debt they wont verify the debt owed and the debt is unverifiable but still won't remove the debt from my name. 
Theyre abusing the power for been department of education and the power of issuing debts to private lenders and for-profit schools without any validation but yet choose to use me to pay a false debt that shouldnt been ever created. 
Loan were originated by a for profit school without my authorization, application was received electronically without my own personal signature which leave rooms for errors and fraud and misleading information and department of education issue a debt won't the school. 
When filed a complaint to further proof the debt and their method of investigation they refuse to provide names of people they have been in contact with from XXXX XXXX XXXX XXXX during the process of their investigation. 
The investigation and the verification request has never been received, insufficient or not valid if I didnt physically sing to receive the debt the original loan application isnt valid. 
XXXX XXXX XXXX XXXX is closed and department of education still holding me accountable for a debt because they can't validate the debt.

Company response to consumer: Closed with explanation