vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-29 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: AL

Complaint narrative:
I have inquires on my credit report that are not from my doing, I have tried to get this taken off my credit but the credit bureau still report the inaccurate and fraudulent inquires when I am not the person who actually applied for them on my credit. I am in the Military someone taken my identity and applying for different accounts.

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 2019-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: UT

Complaint narrative:
Client services continues to send debt request by mail and I have filed several complaints against the original creditor for selling off a fraudulent debt when they were supposed to honor the fraud claim on this debt after receiving the police reports. This debt is a result of fraud. Send the the debt back to the original creditor and cease seeking to collect a debt in my name as this is fraud. You can retrieve the police reports from the XXXX XXXX police department report XXXX, XXXX or XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: AL

Complaint narrative:
I have inquires on my credit report that are not from my doing, I have tried to get this taken off my credit but the credit bureau still report the inaccurate and fraudulent inquires when I am not the person who actually applied for them on my credit. I am in the Military someone taken my identity and applying for different accounts.

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 2019-08-29 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: AL

Complaint narrative:
I have inquires on my credit report that are not from my doing, I have tried to get this taken off my credit but the credit bureau still report the inaccurate and fraudulent inquires when I am not the person who actually applied for them on my credit. I am in the Military someone taken my identity and applying for different accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: GA

Complaint narrative:
I have inquires on my credit report that are not from my doing, I have tried to get this taken off my credit but the credit bureau still report the inaccurate and fraudulent inquires when I am not the person who actually applied for them on my credit. I tried disputing them online, by mail and calling. I am at my breaking point!

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 2019-08-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I would like the following information verified, and would like to know how it is verified to be accurate on my credit report. 

Bankruptcy - Discharged Chapter XXXX Reported XX/XX/2017 Reference # 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 2019-08-29 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: NY

Complaint narrative:
The accounts listed below do not belong to me. They are the result of the identity theft done to me when my wallet was stolen. These must be removed immediately. I already filed an FTC complaint and also complaint to law enforcement. I provided the name of the dark web company that stole my information. 

XXXX XXXX XXXX {$65.00} Opened XX/XX/XXXX XXXX XXXX XXXX   {$0.00} Opened XX/XX/XXXX US Department of Education/XXXX {$0.00} XX/XX/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 2019-08-29 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: NY

Complaint narrative:
The accounts listed below do not belong to me. They are the result of the identity theft done to me when my wallet was stolen. These must be removed immediately. I already filed an FTC complaint and also complaint to law enforcement. I provided the name of the dark web company that stole my information. 

XXXX XXXX XXXX  {$65.00} Opened XX/XX/XXXX XXXX XXXX XXXX   {$0.00} Opened XX/XX/XXXX US Department of Education/XXXX {$0.00} XX/XX/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 2019-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio recovery is requesting money from me and I do not recall ever doing business or having them write me validating my financial obligation to them. Up to now they have not sent me anything validating this contract and they are reporting on my credit trying to strong arm me into paying money to their company. They are injuring me by reporting on my credit in return for me paying them money they have not validated. This seems like extortion I have asked for validation with no response. Today I request this with help of the CFPB for tracking purposes. I dont want to be strong armed into contracts with companies that will take advantage of consumers. 

Validate this debt 1 ) Please produce a contract bearing my signature to do business with your company 2 ) Send me an ORIGINAL contract 3 ) Copy of account payment history 4 ) The account statements from the original creditor 5 ) What is the balance I owe including original amounts, interest, fees and when was this account purchased 6 ) Did any credit bureau contact you regarding this debt? If so, which bureau? What was verified? 

I never received an opportunity to validate this alleged debt. I am requesting this information today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One Closed my account without my permission on XX/XX/2019. 
This dropped my credit score 60+ points. I had to reopen a new account in which im happy with however I want my old account that they closed removed from my credit report so my score can be correctly adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: GA

Complaint narrative:
I have inquires on my credit report that are not from my doing, I have tried to get this taken off my credit but the credit bureau still report the inaccurate and fraudulent inquires when I am not the person who actually applied for them on my credit. I tried disputing them online, by mail and calling. I am at my breaking point!

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 2019-08-29 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: GA

Complaint narrative:
I have inquires on my credit report that are not from my doing, I have tried to get this taken off my credit but the credit bureau still report the inaccurate and fraudulent inquires when I am not the person who actually applied for them on my credit. I tried disputing them online, by mail and calling. I am at my breaking point!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent several factual disputes to each bureaus informing them of the inconsistencies and violations of the FCRA with how this account is reporting on my credit profile. It is my understanding that the FCRA requires that all credit bureaus are reporting the same information across the board, and that information has to be consistent, if not its a violation. Theres several violations with this report such as, the inconsistent date is open, stating the account is not being disputed when it is, XXXX reporting this account as open and XXXX and Experian reporting it as closed!

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 2019-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
This has been going on very continuously the past 6-7 mos. I never signed up for overdraft. I have locked my debit card for over a month now. With regions lock it. I have been charged {$36.00} numerous times. If there is even 1 cent in my account they have paid for things as silly as a {$1.00} membership to some app then charge me {$36.00}. If the money is not in the bank I cant withdraw from an atm. Or use it anywhere. So how is it legal for them to choose what they want to pay for.? I'm so fed up with regions bank. If I were to go back from the time I opened my account til now it would be over {$1000.00} in fees. Then if its negative already and then charged and charged I am just too the point I feel robbed. They have changed the type of checking account I have with no notice of monthly fees that would be charged. I will not pay another penny to them. Because of all the money they have robbed of me they should have plenty to cover whatever amount it is today they say I owe now. I dont even use this account anymore. I go from having {$41.00} in the bank to within a few days - {$130.00} then two weeks - {$250.00} how is that possible when I personally have not used the account and it is supposed to be locked. I have cancelled everything. And they still find something to mess me all up over and over month after and I have had enough. If they want to report it to credit. I dont care. It will be worth not to see another dime of my money to go to that bank. I'm changing to a new bank. New start. Regions bank is horrible. Any bank that takes your money when it is not available is ridiculous. I never signed up for protection. So therefore it should of never happened.

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 2019-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent several factual disputes to each bureaus informing them of the inconsistencies and violations of the FCRA with how this account is reporting on my credit profile. It is my understanding that the FCRA requires that all credit bureaus are reporting the same information across the board, and that information has to be consistent, if not its a violation. Theres several violations with this report such as, the inconsistent date is open, stating the account is not being disputed when it is, XXXX reporting this account as open and equifax and XXXX reporting it as closed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I own two vehicles, a XXXX XXXX XXXX and a XXXX XXXX XXXX and both were included in my Chapter XXXX Bankruptcy and that of my wife. I took out loans with a company called XXXX XXXX and have been speaking with XXXX XXXX, Bankruptcy Specialist, Wheels Financial Group, LLC dba XXXX, Legal Department, P : ( XXXX ) XXXX, F : ( XXXX ) XXXX and they have recently unlawfully repossessed the XXXX XXXX when I was taking it to the mechanic to have it repaired. They do not want to return the vehicle to me immediately and need your help. I attach all the information about the vehicle. Thank you and I await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: IN

Complaint narrative:
I had leased an apartment in which the lease was up. The apartment complex is the XXXX XXXX XXXX. I had paid my final utility bill and final rent. Most rental places take your forwarding address, or your information you had given them. And attempt to reach out. I had to turn my keys over to one of the leasing agents that I had words with prior to leaving. This was in XXXX. I have had no correspondence with the company since. No phone calls, emails, or mail. I had even had my mail forwarded from that address so the could Have sent a letter if they forgot my forwarding address. I woke to an alert that I am reported to a collection agency by the name of Hunter and Warfield. They have not attempted to reach out to me so I have no idea what I am paying.

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 2019-08-29 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: BB&T CORPORATION
State: SC

Complaint narrative:
Purchased a computer from XXXX for XXXX and two other items totaling XXXX on XX/XX/XXXX with a credit card that I manually entered into the system. 
Noticed when checked bank balance with BB and T that had negative balance I could see that XXXX charged wrong card. Error was noticed two hours after purchase on XX/XX/2019. 
Contacted XXXX they told me they would correct mistake XX/XX/XXXX not fixed contacted company and bank again XXXX told me they couldnt fix it and to return computer Computer was a gift and said item was not in my possession Filed merchant error with Bank was told it could take 120 days and contacted XXXX and was told too bad its your fault you clicked the wrong button and ended the call. To date nothing is fixed and my bank account has maintained a negative balance since XX/XX/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 2019-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FIRST HERITAGE CREDIT LLC
State: TN

Complaint narrative:
1st Hertiage Credit continually called me at work, when I repeatedly ask them not to contact me at work. They tried to serve me papers at work and when I wasn't there he made one of my employees call me and put me on speaker phone so she could hear everything that was going. He then wanted to know if he could leave the papers at work where all my emoyees could see. I told him no that he needed to delivery to my house. Which a week later he came to the hoiuse, i was not home, but my XXXX year old daughter was home and she said some man banged on the door for almost 30 minutes, to where he then venture around to the back of the house where my other daughter was located and gave her the papers. I had also just made 2 payments the month to get the account caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have received a ton of letters, and phone calls form Jefferson Capitol Systems over the last few years. The only time I spoke to someone ( over a year ago ), they said they were collecting from a XXXX XXXX account from XX/XX/XXXX or XX/XX/XXXX. I told them it was not my account, and that over a 15 year old account, if it was ( which it WAS NOT ). I asked them to cease and desist all calls and correspondance, and to stop trying to scam me. They no longer call, however, I still keep getting letters from them. This is a scam, and they need to be stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
I got a call from fraud scammers who already knew my identity and my social security number who threatened me to give up more information about myself which lead to me giving up my debit card and credit card information to these scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: PA

Complaint narrative:
I have 3 unverified accounts showing on my credit report with equifax. I have sent them 2 sets of letters requesting the unverified and erroneous items be removed. Every time I get the generic reply verified. I have not been shown any information that has been requested such as contract, agreement, etc with my signature showing I authorized any of these items. Not to mention not correctly verifying these items I they have re-aged these items to appear that they were just reported. The first account is for XXXX XXXX XXXX, the second account is XXXX XXXX, and the third is for XXXX. Again these three accounts are unverified, incorrect, false, erroneous and now have been re-aged by equifax. This is not the only concern I have. There is also a concern of me being a victim of identity theft in which I filed the proper reports with the correct authorities including identity theft.org. I have also sent numerous letters to equifax requesting these inquiries not made by me to be removed and all I get is the same verified. I went a step further and contacted the corresponding companies in which these inquiries pertain and they have not provided any document with my signature showing where I authorized these. All I want is the unverified, inaccuracies removed from my report. I would also like to add I have even pointed out to equifax that how these items are only being shown on my credit report by their company and not any of the others. XXXX and XXXX have removed these because they were found to be unverified. Please explain to me how equifax can verify these when no one else can. Not to mention I was a victim of the 2017 equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
Lanier Collection agency continues to report on my credit {$210.00} for agency XXXX XXXX    XXXX, the original creditor. The latest being submitted on XX/XX/XXXX. I first included this bill collection in my XX/XX/XXXX Chapter XXXX Bankruptcy filing. When modification was necessary to add additional bills was granted by the courts, this same bill was resubmitted in the new Chapter XXXX filing in XX/XX/XXXX. However, Lanier Collection agency constantly report this bill collection like it is a new collection. Numerous times I've disputed this collection with XXXX   after I realized what was happening, but Lanier Collection agency keep reporting this same collection to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
Navient Solutions , LLC - Incorrectly processed my loan payments on multiple dates. 
*most recently that I found, were on XX/XX/2019 and XX/XX/2019 * {$490.00} and {$690.00} - Incorrectly calculated interest fees prior to faulty processing of payments. 
- Haven't fixed these payments after multiple complaints and escalations over the phone.

Company response to consumer: Closed with explanation