vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-12 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: FL

Complaint narrative:
I have incorrect information on my credit file as a result of identity theft : XXXX XXXX XXXX - XXXX - OPENED XX/XX/2018 - BALANCE {$360.00} XXXX XXXX XXXX - XXXX - OPENED XX/XX/2018 - BALANCE {$360.00} ( THIS IS A DUPLICATE 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 2019-08-12 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: IN

Complaint narrative:
In XX/XX/2018 I opened an account with capital one for XXXX in credit and went up to XXXX in credit. Unfortunately, I am recently unemployed due to medical issues of a dependent. The current balance is XXXX. Since having little to no income I am not able to make payment. Capital One will not put me on a program so they stop reporting until i get an income. My son is having medical issues and i need to be unemployed until healthy again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
My PayPal account was cancelled and I dont know why. Listed in the generic statement I had activity against their policies. I tried to find out what I did that was wrong. Run around and no answer. Never have I learned how I have violated any policy. One day my account worked and the next it didnt. I still receive email advertisement from PayPal so I dont understand. I use my account to send money to family and online shopping and think PayPal adds a layer of protection to my actual bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Recovery Solutions, LLC
State: GA

Complaint narrative:
From : XXXX XXXX <XXXX> Subject : Fraud ob XXXX Check I did not write a check to XXXX  for XXXX. I have not written any hand checks since XX/XX/2019 for XXXX please remove charges and reverse courtesy pay. I should have XXXX in my account! Please investigate now and remove fraud XX/XX/2019 Withdrawal Fee / Courtesy Pay Fee In the amount {$30.00} XXXX XXXX - {$35.00} - {$63.00} XX/XX/2019 ACH Withdrawal / XXXX XXXX - {$30.00} - {$28.00}

Company response to consumer: Untimely response
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lloyd & McDaniel, PLC
State: OH

Complaint narrative:
court awarded amount of XXXX. This was collected back in XX/XX/2019. the company told me I still owed them money above what the courts took. I paid that amount XX/XX/2019. they say I Still owed more money. I paid that amount XX/XX/2019. I want this to finally be over. I paid enough. I want a paid in full letter and this to be dropped from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The credit bureaus are reporting erroneous information on my credit file

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 2019-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I received a letter from XXXX by XXXX XXXX on XX/XX/2019, the letter stated they was unable to extend credit to me. One of the reason was that I had a number of accounts delinquency. According to the report they received from TransUnion. I wrote TransUnion on XX/XX/XXXX, to question that information, because I had a copy of my credit report, which I receive in XX/XX/2019. I check my report and score each month I have a 100 % monthly payment rate each month. There is nothing delinquent on my report. As of this date TransUnion has not responded to my letter. I called today, after being on hold for 15 to 20 minutes each time, I was cut off one time and then the second time the person said they could not hear me. I was calling from my landline phone. Everyone else I call can hear me. My credit score recently went down because they stated I had too many open accounts. That I dont understand. Im paying each month. I do not have anything on my account that is delinquent. I would like an explanation. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit bureaus are reporting erroneous information on my credit file

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 2019-08-12 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:
The credit bureaus are reporting erroneous information on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
An account is being reported incorrectly on my report. It is through XXXX XXXX XXXX, a Collections Agency, account number XXXX. The collection was originally through a lender called XXXX. The reference number at XXXX XXXX XXXX for this issue is XXXX. This account has been CLOSED with a PAID IN FULL status since XX/XX/2016. However, this information has been incorrectly reported by all three bureaus. XXXX XXXX XXXX and all three bureaus have been contacted about this issue multiple times, but nobody is any help. I have a correspondence from XXXX XXXX XXXX, verifying that I am correct that the account is in fact Closed and Paid in Full. But it isnt reported that way. XXXX reports the item as Open and active in collections. XXXX reports the item as a Charge Off, meaning that I still owe money for the account. Equifax still shows the account as Open in collections. This account should not be displayed as Active or Open in collections. It should be Closed. I should have zero accounts active or open in collections. It should be displayed as Paid In Full, not as a Charge Off. I am trying to refinance my mortgage and this issue is causing me undue financial stress. I do not want to have to file suit under the Fair Credit Reporting Act but its at the point I may have to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase quick pay with XXXX XXXX Money sent through XXXX to sellers bank account. Tickets not received. {$600.00} sent from chase to sellers bank. Unable to stop authorization once sent. Delivered and accepted. Tickets never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Webcollex, LLC
State: CA

Complaint narrative:
XXXX XXXX is a fraud account that was supposedly fixed after I filed a police report and affidavit ( attached here ). Now CKS Prime is reporting it as a collection on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: MN

Complaint narrative:
XX/XX/XXXX I submitted a " Total and Permanent XXXX '' form by my Doctor from XXXX XXXX XXXX XXXX, XXXX, MN to the U.S. Department of Education for a discharge of my student loan which took effect that year. Now 6 years later The U.S. Department of Education 's Loan Servicer " XXXX '' of XXXX, XXXX ( XXXX ) XXXX is trying to collect on this discharged loan.They are lying telling me over the phone that they have no information about my XXXX loan discharge and that XXXX took over as a New Contractor for Dept.of Education in XXXX. They Maliciously had their collection agency " Debt Management and Collection System '' take my XX/XX/XXXX EIC tax refund of {$63.00} and my XX/XX/XXXX Minnesota tax refund {$1500.00} this is theft. I filed a Complaint with the Minnesota Attorney General 's Office. Now these vindictive people has a 3rd party collection agency PBCM of Colorado harassing and threatening me for a debt I do not owe! These malicious and lying people at XXXX are requesting another Discharge Application from my Doctor and/or Social Security Admin. to again discharge this loan a second time, this is Fraud! Please tell this collection agency PBCM in XXXX XXXX, CO ( XXXX ) XXXX to stop calling and hanging-up on me, they are in violation of the Fair Debt Collection Practice Act. Please tell PBCM collection agency to Cease and Desist and for them and XXXX XXXX and XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX, MO ( XXXX ) XXXX ) to return my money they have stolen from me and Cease and Desist from taking my tax returns. 
They have also violated the 120 grace period from XX/XX/XXXX since filing my Discharge they were not supposed to take my tax refunds under this 120 day stipulation. These people are all unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
An account is being reported incorrectly on my report. It is through XXXX XXXX XXXX, a Collections Agency, account number XXXX. The collection was originally through a lender called XXXX. The reference number at XXXX XXXX XXXX for this issue is XXXX. This account has been CLOSED with a PAID IN FULL status since XX/XX/2016. However, this information has been incorrectly reported by all three bureaus. XXXX XXXX XXXX  and all three bureaus have been contacted about this issue multiple times, but nobody is any help. I have a correspondence from XXXX XXXX XXXX, verifying that I am correct that the account is in fact Closed and Paid in Full. But it isnt reported that way. TransUnion reports the item as Open and active in collections. XXXX reports the item as a Charge Off, meaning that I still owe money for the account. XXXX still shows the account as Open in collections. This account should not be displayed as Active or Open in collections. It should be Closed. I should have zero accounts active or open in collections. It should be displayed as Paid In Full, not as a Charge Off. I am trying to refinance my mortgage and this issue is causing me undue financial stress. I do not want to have to file suit under the Fair Credit Reporting Act but its at the point I may have to.

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 2019-08-12 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
An account is being reported incorrectly on my report. It is through XXXX XXXX XXXX, a Collections Agency, account number XXXX. The collection was originally through a lender called XXXX. The reference number at XXXX XXXX XXXX for this issue is XXXX. This account has been CLOSED with a PAID IN FULL status since XX/XX/2016. However, this information has been incorrectly reported by all three bureaus. XXXX XXXX XXXX and all three bureaus have been contacted about this issue multiple times, but nobody is any help. I have a correspondence from XXXX XXXX XXXX, verifying that I am correct that the account is in fact Closed and Paid in Full. But it isnt reported that way. XXXX reports the item as Open and active in collections. Experian reports the item as a Charge Off, meaning that I still owe money for the account. XXXX still shows the account as Open in collections. This account should not be displayed as Active or Open in collections. It should be Closed. I should have zero accounts active or open in collections. It should be displayed as Paid In Full, not as a Charge Off. I am trying to refinance my mortgage and this issue is causing me undue financial stress. I do not want to have to file suit under the Fair Credit Reporting Act but its at the point I may have to.

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 2019-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commercial Acceptance Company
State: DE

Complaint narrative:
I was not aware of this debt until I got a notification on my credit report, I never received anything in the mail/a phone call until after it was reported to my credit. Very rude representatives, constantly calling and harassing me about a debt I should not owe ( insurance information was given to pay ambulance bill ). When I spoke to them they expected a full payment of over {$1100.00} and were very rude to me when I told them I was young and didnt understand and was confused, and proceeded to threaten that they could keep me from being able to finance anything in the future as they would damage my creditors ( home, car, etc ). Now I have received a letter in the mail that Ive been ignoring them and if I dont pay within 5 days they will take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OK

Complaint narrative:
I WAS CONTACTED BY XXXX XXXX ABOUT AN ASTOUNDING DEBT FROM AN HSBC CREDIT CARD. I WAS THREATENED WITH GARNISHMENT AND ADVERSE REPORTING TO THE CREDIT BUREAU. XXXX XXXX ALSO INFORMED ME THEY HAD SPOKEN TO MY BANKRUPTCY ATTORNEY AND VERIFIED THAT THE CREDIT CARD IN QUESTION WAS NOT INCLUDED IN MY BANKCUPTCY. NEXT, XXXX XXXX  INFORMED THAT BY OPENING THE HSBC ACCOUNT, WHAT I HAD DONE WAS ILLEGAL AND MY BANKRUPTCY WOULD BE VOIDED UNLESS I PAID THE THE {$600.00} PLUS DOLLARS THEY SAY I OWE. I CONTACTED HSBC AND VERIFIED THAT I DO NOT HAVE ANY OUTSTANDING ACCOUNTS WITH THEM AND XXXX XXXX WAS PROBABLY TRYING TO SCAM ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
I was away from work for about a week. When I returned there was a recorded message on my voice mail from MediCredit from XXXX XXXX on Saturday, XX/XX/XXXX. I have given the hospital my home phone and do not want calls to my work phone -- especially at XXXX XXXX   from a robo caller.

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 2019-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Hello, While I am thankful and grateful that Capital one gave me the chance to rebuild my credit with limited credit history I feel like the issue I am writing about is something that should have been handled better by capital one. 

My statement billing date up until recently was the XXXX of every Month. On XX/XX/XXXX I received an email from capital one stating my payment due date will be changed to XX/XX/XXXX. So Im sitting there waiting and waiting for my XXXX statement to print out so I would know how much to pay and nothing was sent. I called capital one 4 separate times asking them when my new billing cycle date would be and each time they told me their systems were still upgrading and I would receive something in the mail. Till this date I have not receive anything in the mail in regards to my new billing cycle close date or anything regarding to my new due date. I get an email XX/XX/XXXX telling me my XXXX statement was generated and I would have to pay XXXX dollars by XX/XX/XXXX. This information was not relayed to me via any email or any correspondence by Capital one which will now cause a large Credit utilization to report to the credit bureaus and will cause a negative impact on my credit score. If was able to know what date the billing cycle closes I would have been able to better manage my payments and my overall capital one account. Highly anger about the matter and would like my account to be reviewed for a resolution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Credit card, BEST BUY VISA. payments are due on XXXX of each month. I asked them to change the date to the begining of the following month because the XXXX falls close to the week end and sometimes it is difficult for me to get the money to pay at that time and there is usually a week end following that makes me Pay 1 or 2 days late. I drive to the Best Buy business to pay. They refused. The bill with due date XX/XX/19 fell on Monday, XXXX XXXX holiday, I paid it next day, Tuesday XX/XX/XXXX. On the next bill, they charged me {$27.00} late fee. I phoned and they said that I had already had a previous late fee removed and they can not remove this. I reminded them about the problem I have with the due date so close to the month end and asked them to extend the due date and they refused to do that and to exonerate the late fee. The next bill due on XX/XX/19,  Thursday, was paid on Monday, XX/XX/XXXX. I was charged {$32.00} late fee. Again they refused to remove the late fees. I I told her that the fees for such a short time is excessive. I asked her to send me the ruling of the late fees charges and she can not find the regulations, maybe if I go to the web site to see if it is there. I said that I am not computer literate to maneuver their web site. So, we are at a stand still which I hope you can help solve this issue. Thanks for your help.

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 2019-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Equitable Acceptance Corp
State: AL

Complaint narrative:
I GOT A CALL FROM A THIRD PARTY COMPANY ( AT THE TIME I WAS UNAWARE THAT IT WAS A THIRD PARTY ) SAYING THAT THEY COULD HELP ME GET LOAN FORGIVENESS FOR MY STUDENT LOANS. THEY CALLED AND THEY HAD ALL MY INFORMATION ALREADY, AND THEY ADVISED ME THAT I WAS APPROVED FOR A {$0.00} PAYMENT BUT I WOULD HAVE TO PAY A SERVICE CHARGE OF {$42.00}. SINCE THEN I HAVE BEEN ADVISED BY MY FEDERAL STUDENT LOANS THAT THEY DO NOT DEAL WITH THIRD PARTY COMPANIES, ALL THEIR SERVICES ARE FREE, AND I SHOULD NOT BEEN PAYING A SERVICE FEE. THEY SAID THEY HAVE NOT RECEIVED ANY MONEY FROM THIS THIRD PARTY THAT I HAVE BEEN PAYING MONEY TO FOR THE PAST TWO YEARS PLUS YEARS. XXXX XXXX XXXX IS THAT NAME OF THE THIRD PART COMPANY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: NC

Complaint narrative:
XXXX Dispute file previously. Items are still on my report. Contacted Equifax and submitted another dispute and added a freeze to my report. The following items were not authorized by me. 

XXXX XXXX : XX/XX/XXXX Equifax Mortgage XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp
State: CA

Complaint narrative:
XXXXLending Club is a fraud account that was supposedly fixed after I filed a police report and affidavit ( attached here ). Now XXXX XXXX is reporting it as a collection on my credit.

Company response to consumer: Closed with explanation