vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-29 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 some addresses on my account that are not mine showing. I need my account updated to reflect my current correct and only address. My full name is XXXX XXXX XXXX please delete any other variation. 
I am XXXX XXXX XXXX of XXXX XXXX XXXX please delete any other variation. I need the following addresses deleted they are new mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following phone numbers they are not mine : ( 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 2018-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I signed up for all three reports and only received XXXX Report. I did not receive Transunion nor XXXX Report. In addition, I have no lateness on any of my accounts but am being low balled with a credit score of XXXX from Transunion and XXXX. I can see the Transunion Score through XXXX XXXX XXXX Website only. XXXX shows a fair score when I requested the free credit report. I do not understand how these people can damage good people 's credit and then deny my free credit report. I need my credit score fixed.

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 2018-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: WI

Complaint narrative:
On XX/XX/XXXX my account was hit with multiple transactions due to my debit card being stolen. XX/XX/XXXX i was credited back these transactions. XX/XX/XXXX the bank took back the money from my claim and then proceeded to charge 6 OD fees despite it was the banks doing. Its been 4 months since and im missing well over 800 . 

The transactions in question ill provide a sceen shot as well as the police report upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CARDPLATFORMS LLC
State: CA

Complaint narrative:
I hired an attorney to help me with my Social Security XXXX hearing. As part of their package they sent me a " MY KEEPS '' card and told me " if needed '' to use the card until my hearing date to go ahead and use it. I didn't use it at all. Approx. three weeks after the hearing I called my attorney to find out they were paid and the balance went to " MY KEEPS ' ''. On XX/XX/2018 I closed the account {$1100.00} balance they said " WE WILL '' mail a check on Friday XX/XX/2018. Up to this day .... " the check is in the mail '' I call and call every rep. will only give their first name with long periods on hold other times to the point of automatic disconnect waiting. Today XX/XX/2018 on my third attempt ... I finally spoke with XXXX ( a manager ) she told me " WE WILL '' mail a check onXX/XX/2018 this Friday to expect it by the middle of XXXX. I wonder if I will see a check then either! THIS IS NOT RIGHT!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
XX/XX/XXXX Consolidation of loan. XX/XX/XXXX Only XXXX principle paid since XXXX. Will retire before loan is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Happy Money, Inc.
State: FL

Complaint narrative:
I have advised this company to stop calling me. 
They call several times throughout the day including after XXXX XXXX 
On XX/XX/18-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 2018-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I get phone calls every 30 minutes to an hour from the same company using different state numbers. For instance it will call from Virginia then Florida then XXXX then New York etc to my cell phone, my husbands phone and our home phone. I have previoudly asked them to stop calling as They call more then 10 times per day from XXXX XXXX up until XXXXXXXX XXXX  pacific time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/2018 it was brought to my attention that there was accounts for credit cards from capital one and XXXX XXXX with all my information Accounts I couldn't even access cause I didn't know anything about it. Someone had use my identity to open these accounts and was making charges with these credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I modified my loan with XXXX in 2009. 
The company changed name and is now called Ocwen. I was told if I had 3 years of timely payments on a trial basis bases and I kept the house, the loan would be as is with no prepayment penalty and I would not owe additional funds. I have been renovating my house out of my own pocket since then. I want to refinance my loan. When I asked for a pay off with Ocwen informed me I owe them an additional 25 % of the new appraised value. There was one stipulation, if I renovated and submitted receipts they would deduct that dollar per dollar. I asked what is criteria for remitting receipts and what would be accepted. I was told there was no one to talk to and it's up to their discretion. I want some solid guidelines. When I researched this loan, numerous people were told the same as myself that we were out of any pay back after 3 years. How can this be so subjective? And they lied about a three year termination of any stipulations. My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I've contacted this company several times to have the debt removed from my credit report! I've sent this Collection Agency a copy of my Police report, Social Security card, and identification, but yet this item remains on my credit report. The company received these documents by certified mail, but have yet to remove the account. I will be following up with the fair Credit Reporting Act regarding this matter! I will also proceed with legal action if this account is not removed from my credit report within 30 days!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29 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 — Card was charged for something you did not purchase with the card
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
GOOD AFTERNOON MY BRIEF CASE WAS STOLEN FROM MY CAR IN XX/XX/2018 IT DID CONTAIN : PERSONAL DOCUMENTS AND CREDIT AND DEBIT CARDS. 
I WASN'T IMMEDIATELY SURE WHICH CREDIT CARDS WERE AFFECTED BUT I FILLED A POLICE REPORT CASE XXXX ON XXXX CARDS THAT WAS AFFECTED XXXX XXXX, XXXX, XXXX XXXX, BBVA COMPASS I CONTACTED ALL COMPANIES AND THEY ALL CANCELLED THE CREDIT CARDS AND STARTED THEIR INVESTIGATION AND GOT THE INFORMATION NEEDED AND SEND ME LETTERS THAT SHOWS CREDIT ALL THE FRAUDULENT CHARGES, ALL EXCEPT BBVA COMPASS WHICH HAS BEEN GIVING ME THE RUN AROUND. COMPASS BANK XXXX XXXX XXXX XXXX AL XXXX XXXX AFTER I RECEIVED THE STATEMENT I CALLED THEM AND EXPLAIN WHAT HAPPENED THEY CANCEL THE CREDIT CARD AND STARTED AN INVESTIGATION THEY TOOK THE INFORMATION AND THE POLICE REPORT CASE NUMBER OVER THE PHONE THEN IN AN ANOTHER CALL THEY REQUESTED TO GO TO A BRANCH FOR IDENTITY PURPOSE WHICH I WENT TO THE BRANCH IN XXXX XXXX ON XXXX XXXX AND GAVE THEM MY ID AND THE CASE NUMBER AND THEY TOOK COPIES. THEN I RECEIVED ANOTHER STATEMENT FROM BBVA WITH THE AMOUNT OWED ADDING LATE FEES AND FINANCE CHARGE AND OVER LIMIT CHARGES ( I USED THE CARD ONLY ONE TIME A YEAR BEFORE PAID IT NEVER USED IT AGAIN ) I CALLED AGAIN THE ANSWER DO NOT WORRY WILL TAKE CARE OF IT. 
NEXT MONTH SAME THING FOR XXXX XXXX XXXX XXXX IN XXXX I ASKED CAN THEY SENT ME A FAX AN EMAIL CONFIRMING THE FRAUD CHARGES WILL BE REMOVED THE GENTLEMAN ON THE PHONE ASSURED ME IT WILL BE REMOVED AND I WILL NOT RECEIVE ANOTHER STATEMENT. 
IN XX/XX/2018 I RECEIVED ANOTHER STATEMENT I CALLED AGAIN THIS TIME A LADY ANSWERED AND GAVE ME A CASE NUMBER BECAUSE I DON'T HAVE A CARD NUMBER OR CASE THEY USUALLY CALL CUSTOMER SERVICE AND KEEP TRANSFERRING ME TILL SOMEONE KNOWS ABOUT MY INFORMATION. 
THIS WAS A LINE OF CREDIT ACCOUNT AND IT WAS PAID OFF CASE NUMBER XXXX THE LADY ON THE PHONE CHECKED WITH A SUPERVISOR AND TOLD ME THAT MY FRAUD CASE WAS REJECTED BECAUSE I DIDN'T REPORT THE CARD STOLEN WITH IN THREE DAYS AND I AM RESPONSIBLE FOR ALL CHARGES. THEN I GET A CALL FROM COLLECTION AGENT THREE DAYS AGO. 
I EXPLAIN EVERY THING AGAIN AND SHE SAID SHE WILL LET THEM KNOW AND GET BACK WITH. I NEVER RECEIVED ANYTHING FROM BBVA COMPASS EXCEPT PHONE CALLS TRYING TO COLLECT AND NOW COLLECTIONS AGENT? 
I WILL ONLY ATTACHE A COPY OF POLICE REPORT ANY THING ELSE NEEDED PLEASE ADVICE. 
THANK YOU

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-29 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:
This debt was made by a family member that used my social security number. when I first learned of the debt I contacted the collection agency and they told me the debt was in the family members name but my ssn # and work information was used and now they are saying the debt is in my name and that information was not told to me, I asked if they would provide a copy of the actual document and they said they could not ... I've never lived at the address where the debt occurred I lived at the address prior to where I live now for 7 yrs never late with rent always paid on time or days before. Thank you for your time and help with this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: TX

Complaint narrative:
I have many inquiries that were checked in XXXX and XXXX and were not authorized by me if send letter to all the companies that checked the credit and no respond this is getting frustrating. I also called the credit bureaus and they explained to write letters which I did.

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 2018-10-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: WY

Complaint narrative:
In XX/XX/2017 a {$500.00} loan was issued. After a year 's worth of payments they continued to draft my account on an irregular basis resulting in " missed '' payments. I received no notification of correspondence from XXXX XXXX at this time. The loan should have been satisfied. Only to find out that their over the top and illegal in my state interest rates sky rocked my loan from {$500.00} to over {$1200.00}. They then sent fraudulent garnishment paperwork. Today I received a call from a woman attempting to collect for them stating there was a garnishment and when asked for the civil court number she became abusive and hung up. I took calling back 17 times of repeated verbal abuse, long holds, and multiple transfers to get them to admit that there was in fact no garnishment or attempt to gain one through the courts. Their practices are misleading, illegal, and abusive. From research I've learned that XXXX XXXX XXXX has recently and repeatedly been int rouble with the FTC regarding these practices. It's time to shut these people down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Inquiry on XX/XX/2018. 

I received one hard inquiry when it was no where indicated I would receive one. 

It is from XXXX/walmart. 

National Credit cards/ Airlines .

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 2018-10-29 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: TX

Complaint narrative:
I have many inquiries that were checked in XXXX and XXXX and were not authorized by me if send letter to all the companies that checked the credit and no respond this is getting frustrating. I also called the credit bureaus and they explained to write letters which I did.

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 2018-10-29 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: TX

Complaint narrative:
I have many inquiries that were checked in XX/XX/XXXX and XX/XX/XXXX and were not authorized by me if send letter to all the companies that checked the credit and no respond this is getting frustrating. I also called the credit bureaus and they explained to write letters which I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: Open Assets LLC
State: PA

Complaint narrative:
I entered into a contract with XXXX XXXX/XXXX and the date of my last payment was XXXX XX/XX/XXXX. This account was brought by XXXX XXXX XXXX on XX/XX/XXXX. Date of Delinquency XX/XX/XXXX. I personally feel as though the Statute of Limitations have expired on this account based on the year the judgement was filed. In addition, there was no renewal of the initial judgement entered. This neglect was due to a divorce and loss of job. I really feel as though this judgement must be removed from my title on my home based on the Statute of Limitations.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-29 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: WV

Complaint narrative:
I am a victim of identity theft. I have supplied this company with the police report and the FTC affidavit. Originally, I was told the police report was inadequate because it didn't list the companies my name. I then did a supplemental police report listing any and all fraudulent accounts and inquiries and faxed that in. Now, I am being told that the police report STILL doesn't meet their criteria and I have to wait for the individual companies to investigate. Most of the companies listed have already investigated and removed the fraudulent accounts from my credit report ... however the inquiries still remain..which in turn is lowering my credit score and preventing me from getting a mortgage. 
In addition I had spoken to a representative several weeks ago about locking my credit report to prevent such occurrences and was assured my credit report was locked..however I find that this is not the case ... and whenever I try to lock my credit report I am unable to do so and keep receiving an error message both online and over the phone.

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 2018-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im a victim of identity thief so theres different name and address on my credit report and some of my credit cards are not reporting on my credit report, My XXXX XXXX, My XXXX XXXX and my XXXX all in Great standard but theyre not on 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 2018-10-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was using my first credit card with XXXX XXXX XXXX and I was unable to afford the payment on months due to being unemployed and a student. 

There were 2 missed payments in XX/XX/2016 and there has been nothing since then. 

I am working diligently to rebuild my credit score so I am able to save up and buy a home in the next couple years. 

This would be amazing to get off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, has refused to do there job three times they have put false information on my credit report from a company called XXXX XXXX XXXX. I asked for the act to be verified through the court .And to show proof of validation of debt. I have proof of the actual ordered amount. XXXX never got proof they just closed case. the reason I know is because the amount is still wrong. this fraudulent first allowing of this credit company to add bogus information made the other two XXXX and transuion do the same put over 7 thousand worth of charges on my file. it took my score down. also the dispute was not done. I want this removed since it was not done in 30 days and it has been over 4 months.

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 2018-10-29 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: GA

Complaint narrative:
XXXX, has refused to do there job three times they have put false information on my credit report from a company called XXXX XXXX XXXX. I asked for the act to be verified through the court .And to show proof of validation of debt. I have proof of the actual ordered amount. XXXX never got proof they just closed case. the reason I know is because the amount is still wrong. this fraudulent first allowing of this credit company to add bogus information made the other two Experian and XXXX do the same put over 7 thousand worth of charges on my file. it took my score down. also the dispute was not done. I want this removed since it was not done in 30 days and it has been over 4 months.

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 2018-10-29 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: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
On XX/XX/18 I contacted Preferred Collections Management regarding an open delinquent account of {$100.00} that showed on my credit report. I have never received notice of this debt via written notice OR phone calls from the creditor. Preferred Collections Management indicated that 2 weeks prior to my call on XX/XX/18, they had returned the debt to the original source and could not accept my payment. They told me they reported this closed account to the credit reporting agencies. Today, XX/XX/18, I contacted Preferred Collections Management again who advised they did not show any open accounts and this was once again reported to the credit reporting agencies. I then contacted the original creditor, XXXX XXXX XXXX XXXX who advised they have never received this account back from Preferred Collections Management. They are unable to accept payment from me as they do not see the account in their new system. Therefore, I am unable to pay this and dispute it with XXXX. This is negatively impacting my ability to apply for a mortgage.

Company response to consumer: Closed with explanation