vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
received on XX/XX/XXXX letter dated XX/XX/XXXX stating i owed {$1600.00} from XXXX XXXX XXXX.original creditor XXXX XXXX XXXX # XXXX.this is not my account.i sent a letter of dispute XX/XX/XXXX i have received no response to date XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-20 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: NY

Complaint narrative:
I have several fraudulent unauthorized inquiries on my experian credit report and i have contacted customer support numerous times to resolve this, they have failed to help me get this fraudulent inquiries that were not authorized by me off my experian credit report, XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed 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 2018-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Creditech, Inc.
State: PA

Complaint narrative:
This debt dose not belong to me I disputed this debt I sent multiple letters to the companies to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: LA

Complaint narrative:
I left for basic training and XXXX and my student loans defaulted When i returned home i contacted the lender ( XXXX XXXX ) and told them what happened and sent in my paperwork and my loan was transfer backed to XXXX XXXX and i paid of the loan XX/XX/XXXX Now i have two student loan accounts on my credit report I have talked to XXXX XXXX about this issue and they have told me to contact the reporting Credit bureaus. To fix it

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 2018-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I left for XXXX XXXX and XXXX and my student loans defaulted When i returned home i contacted the lender ( XXXX XXXX ) and told them what happened and sent in my paperwork and my loan was transfer backed to XXXX XXXX and i paid of the loan XX/XX/2017 Now i have two student loan accounts on my credit report I have talked to XXXX XXXX about this issue and they have told me to contact the reporting Credit bureaus. To fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: MD

Complaint narrative:
Experian is reporting a account that is fraud and its not mines a car loan from XXXX XXXX i never open a account with this company its fraud and need to be removed off 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 2018-01-20 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:
I recently started to monitor my credit using XXXX which works with XXXX. This is when I noticed multiple credit inquiries that I did not apply for. The inquiries are from the following banks XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These FRAUD inquiries are reporting on Transunion and XXXX. I have contacted BOTH bureaus to start an investigation and i have sent in all documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NV

Complaint narrative:
I contacted AES in order to remove my cosigner from my private student loan from XXXX. I was told I was ineligible because I utilized forbearance time in XXXX. I called today in XXXX, after 9 years of on-time payments or approved in-school deferment time, and was told I would never be eligible to remove my cosigner because I utilized forbearance time. I asked how I would have known that information, they said if the forbearance was completed on the phone I would have been verbally told. I asked the representative to see if the scripted language was saved to my account. She told me it was not because I requested it on paper, shows my XXXX old memory. I asked her what could I do now, I made a decision within the year I graduated from college, before I made decent money and was in tough financial situation. I also explained to her I am significantly more stable and I am eligible for a cosigner release for my other loan also being serviced by AES. She went to check with cosigner release department and they said it would have been in my XXXX. Back to my whole concern that this was not made clear to me before I made this decision, no phone call was made to explain my commitment and how my cosigner would never be released from my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: NY

Complaint narrative:
Equifax continues to fail to look into this matter of Fraudulent inquiries on my equifax credit report, i have tried numerous times to get them to look into these fraudulent inquiries and have them removed from my Equifax report. 

XXXX XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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:
I recently started to monitor my credit using XXXX which works with Experian. This is when I noticed multiple credit inquiries that I did not apply for. The inquiries are from the following banks XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These FRAUD inquiries are reporting on XXXX and Experian. I have contacted BOTH bureaus to start an investigation and i have sent in all documentation.

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 2018-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service
State: MD

Complaint narrative:
I own a star card, and I am part of the XXXX but I never used it unless waiting for a debit card to come by mail. When I did use it I paid it off as soon as my debit card came in. This occurred initially in ( if I remember right ) XX/XX/XXXX. Precursor : when using a star card while in the military, they will contact your leadership if you miss a payment. 

In this case I went in to pay my bill as soon as I received my debit card in person by going into the local aafes base exchange. I paid the amount and then shredded my card from my wallet. EIGHT months later I received a call from my flight commander saying that I missed a payment. I went in the next day and they told me that I already paid my balance. I talked to my flight commander and he told me to go back. I went back and they said I had a huge bill this time with 8 months of interest. I told them exactly what I said already so they told me that I needed to talk to the company over the phone. They called them for me in the store and gave me the phone. He was very hard to deal with, but I was finally able to pay my bill with acquired 8 months of interest. Although I understand that mistakes happen, I do n't mind paying the interest, but I was still punished on my credit report and they ignored my dispute. This severely hurt my credit since I have never owned a credit card before this.

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 2018-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, my vehicle was repossessed by Ally Bank, who is the lender on my car loan. The total amount due is {$1600.00} and {$730.00} in late fees totaling in {$2300.00}. After realizing my vehicle had been repossessed I contacted Ally Bank in attempt to pay my past due balance and redeem the vehicle, and obtain my personal items from the vehicle. I was transferred to the Redemption Department. The agent notified me that at that time, they have no information on the location of the vehicle at this time. The agent advised me to call back within two hours and they would have more information. Within the two hours I called back, after holding for 20 minutes an agent answered to take a message and someone would have to call me back within 24 hours. I requested information on the location of the vehicle in order to obtain my personal belongings, I was denied that information. I called back 3 more times. I was again asked for my information for a call back each time. After attempting to call for information over the duration of 10 hours, when I called back, I learned the redemption department was closed until Monday, which is two days away. I was never contacted ( 10 ) days prior to repossession of intent of repossession. I am being denied access to redeem the vehicle and denied the location of the vehicle in order to obtain my personal property. I believe I 'm being denied in order to accumulate more repossession and storage fees. They would n't even allow me to pay the past due balance.

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 2018-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
XXXX XXXX sent Merchants and Medical my detailed medical information without my written authorization they have what was performed while I was in the hospital what medication I was given full details which is violating the HIPPA law also they do not have a sign contract to have my medical information so there for I do not have a contract/debt with their collection agency and have written them several letters asking them for proof of my signature for them to have my information and all they can send me is a copy of the bill this debt needs to be removed from my credit report other bureaus I have contacted have removed other medical because of this very same reason but they will not and it is against the law! They also deleted it and relisted it as well

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
We are consumer whom purchased three vehicles from XXXX XXXX XXXX and financed all three. Ford wrongly accused us of not paying for the last vehicle. We took Ford to XXXX and State Court in XXXX XXXX Georgia. The XXXX XXXX XXXX found a pattern where Ford received the payments and failed to post them along with not posted those Electronically Bank paid as they received them. The law firm of XXXX and XXXX XXXX State Court decided to file a Voluntary Withdrawal admitting we were not responsible for the debt! We need your assistance with Ford Motor Credit of XXXX. We are being held down with low credit score and fighting this since XX/XX/XXXX. We have a way to buy a home and new careers but Ford doing this ruins our lives. WE MUST FORD, being held hostage and using XXXX  and XXXX has proved to be very difficult and filing complaint after complaint with each bureau with our complaint going unresolved. Each time even though we have their Attorney 's Withdrawal XXXX XXXX of XXXX and Associates nothing is being done, We sent correspondence to XXXX XXXX an Executive Analyst whom refuse to give a last name or number. They even tried to hire XXXX XXXX until we sent the Withdrawal from their Counsel. We are needing our credit and our scores not a run around as we have experienced. XXXX is often rude and you get no where when asking for a Supervisor nothing gets resolved. XXXX is evasive and tells you they are removing it and never does. We have the proof look it up XXXX filed XX/XX/XXXX by XXXX and XXXX. We really need your help we have work to resolve the biggest problem to get our scores where they need to be. We must work quickly as often time leads to more people such as ourselves. Homeless and needing resolution long over due our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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:
We are consumer whom purchased three vehicles from XXXX XXXX XXXX and financed all three. XXXX wrongly accused us of not paying for the last vehicle. We took XXXX to XXXX  and State Court in XXXX XXXX Georgia. The XXXX XXXX XXXX found a pattern where XXXX received the payments and failed to post them along with not posted those XXXX Bank paid as they received them. The law firm of XXXX and XXXX in State Court decided to file a Voluntary Withdrawal admitting we were not responsible for the debt! We need your assistance with XXXX XXXX XXXX of XXXX. We are being held down with low credit score and fighting this since XX/XX/XXXX. We have a way to buy a home and new careers but XXXX doing this ruins our lives. WE MUST XXXX, being held hostage and using XXXX and Experian has proved to be very difficult and filing complaint after complaint with each bureau with our complaint going unresolved. Each time even though we have their Attorney 's Withdrawal XXXX XXXX of XXXX and XXXX nothing is being done, We sent correspondence to XXXX XXXX an XXXX Analyst whom refuse to give a last name or number. They even tried to hire XXXX XXXX until we sent the Withdrawal from their Counsel. We are needing our credit and our scores not a run around as we have experienced. XXXX is often rude and you get no where when asking for a Supervisor nothing gets resolved. Experian is evasive and tells you they are removing it and never does. We have the proof look it up XXXX filed XX/XX/XXXX by XXXX and XXXX. We really need your help we have work to resolve the biggest problem to get our scores where they need to be. We must work quickly as often time leads to more people such as ourselves. Homeless and needing resolution long over due our family.

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 2018-01-20 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: U.S. BANCORP
State: IL

Complaint narrative:
XXXX XXXX did a hard inquiry on my credit on XX/XX/2017 and I never applied for anything for anyone to use my credit for them to do an inquiry. I need to dispute this inquiry.

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 2018-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
needed to link my account to XXXX for a withdraw to bit on coins. was denied by td bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX Account # XXXX Original Creditor XXXX XXXX XXXX XXXX Company Sold - Account Type Collection Account Date Opened XX/XX/XXXX Account Status Open Payment Status - Status Updated XX/XX/XXXX Balance {$480.00} Balance Updated XX/XX/XXXX Original Balance {$480.00} C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX This debt was removed then went back on my report. It is not accurate and it had been sold mulitple times. I also have disputed this as not mine but a family member who used my old account to add themselves to mine. It is also being reported twice and it is same account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-20 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: FL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
On XXXX XXXX,2017. I sent certified letters to XXXX XXXX XXXX asking them to validate 3 accounts they are reporting on all three credit bureaus. They fail to validate the debts. I do not have a contract with them. These debt are from XXXX XXXX which had no permissiin to share my medical information with a thid party. I also sent letters to XXXX, XXXX, and XXXX. XXXX XXXX deleted 3 of the accounts. XXXX still reports all 3 accounts. XXXX only deleted 1 account. I have had no verbal communication with XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX C/o XXXX  XXXX XXXX {$1000.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$94.00} They trying to collect a debt they do not have a right to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I had a XXXX card I paid it off and than I move I request a new card and they send it to unknown addresses I call and now I have a bal and a late fees it took me 3 call before they got my correct address and now XXXX  want me to paid for they error since they send the card to a different address I still do n't know how they charge it so many times and XXXX  expect me to paid

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: AZ

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-01-20 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: FL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I only have a debit card and Im now only hearing from people that in order to enroll in travel rewards programs, you must have a credit card, which I never had one. I love to travel and at the same time, would like to have a travel rewards program connected with a bank without requiring the use of a credit card. Its outrageous that they only require the use of credit cards to enroll in travel rewards programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: MD

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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