vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-15 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I reported an inaccurate information on my credit report, put on there by Southwest credit systems, L.P. they said my balance was XXXX XXXX dollars, now after my complaint they responded and also uploaded few billing statements with my name and my former address on it, this could have been made up, it also shows inaccurate break down of service they claim i had at a former address, i have been harassed with all sorts of promotions from XXXX in the past but only remember getting internet service that was paid for on time and cancelled when i moved from my old address. The billing information they uploaded is very inaccurate and i kindly ask that they provide a full contract with my signature before accepting service that they claim i owed them {$58.00} dollars. Once again i will like to see a contract and i also will like to see documentation giving Southwest credit systems lawful rights to collect any kind of money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
I have been waiting for my title pink slip to be returned to me long ago after I paid the loan off, as a Disabled Veteran and elderly person the company had no idea where it is? 

The Calif. DMV said that the company has a history of failing to return title loans after they are paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
CRA violation no knowledge inaccurate accounts on my Transunion credit report. FTC ID Theft Report # 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 2018-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I sold a beautiful purse and used Paypal for invoice. My XXXX transaction, the purse has no crack : https : XXXX? XXXX % XXXX % XXXX & XXXX Here is my description : Beautiful Authentic Preloved XXXX XXXX Mini Speedy with dust bag included - {$390.00} ( firm ) includes Paypal invoice and shipping Click here for more postings : # XXXXGreat used condition.Normal signs of wear such as discoloration of leather ( vanchetta developed beautiful even honey patina, wrinkles, and some scratches and marks that blends in the color of the vanchetta. Some hardware discoloration.Interior is clean.Pipings are intact.No rips, tears, or cracks. No perfume, smoke, foul smell or odor. Please understand that this won't smell brand new and sense of smell varies from person to person.Made in XXXX. Date code : XXXX ( XX/XX/1996 XXXX Measurement : W : 6.3 '', H : 3.9 '', D : 2.8 '' Handle : 8.7 '' Please see all photos before buying it. 

When the buyer received my purse, she claimed that it has a crack. She ruined my purse to get refund 100 %. Paypal did not listen to the seller, Me. I sent them photos and they sided the buyer, who is a scammer. Now, I have damaged purse and Paypal refunded the buyer who destroyed my purse. I have known many sellers that are scammed because Paypal allowed it and not protecting the Seller. There is NO sellers protection in Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: IN

Complaint narrative:
In XX/XX/2017, I pulled my credit reports from all three credit bureaus and found several inaccuracies being reported. My first, second, and third attempts at disputing the inaccuracy has failed. Each time, all three bureaus state the debt has come back verified. I have requested on numerous occasions the documentations used to verify the account in question. XXXX XXXX XXXX XXXX is reporting a debt inaccurately and the three credit bureaus are allowing them to violate my rights per the FDCRA and the Louisiana Uniform Commercial Code. The credit bureaus are refusing the documentation and consistently reports falsely. By law, I have the right to legally pursue legal action against these offices and at this point to consult with the State attorney & Attorney Generals office because this seems to be slander. My reports are falsely reporting and at this time I strongly feel has prevented me from obtaining adequate employment hindering me from being gainfully employed in my career.

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 2018-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2018, Capital One restricted Access to my 360 Account and sent me an email informing me of this. The funds that are in the account are not accessible and I am not able to talk to a person, because the number I have been given to call is sent straight to voicemail. There has not been fraud on the account and no one has commited an illegal act. I do not understand the reason as to why my money is indefinately on hold,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: JH Portfolio Debt Equities, LLC
State: NY

Complaint narrative:
JH PORTFOLIO DEBT EQUITIES , LLC et al. are continuing to report unverified, inaccurate, invalid, derogatory, and defamatory information about me. As a result, XXXX XXXX XXXX XXXX, dba, Chief Executive Officer, for JH PORTFOLIO DEBT EQUITIES , LLC, received three NOTICES OF DISPUTE AND DEMAND FOR VALIDATION and have ignored and/or otherwise have not provided validation or answer. XXXX XXXX XXXX XXXX, dba, Chief Executive Officer, and JH PORTFOLIO DEBT EQUITIES , LLC have not provided a consumer contract bearing my signature, nor has the collection agency answered any of demands in my disputes letters.

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 2018-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
My mom and I got furniture for her apartment last year and she was paying the bill until she lost her job XX/XX/2017 which left all her medical expenses on me since she was declared disabled by her physician. ... .I informed them that payments would be hard for me to make I have tried doing partial payments and post dated check even put myself in overdraft to pay them but they have been very harassing won't take the payments I have tried to make and have been showing up to my house threatening me and my mom about the furniture they have called me 27 times in one day back to back and now that I'm behind on payments they have now put it on my credit report which it wasn't suppose to be they just started reporting this almost 3 months ago but never reported before when the account is almost 2 yrs old I have had a account that was paid in full but was never placed on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: TX

Complaint narrative:
I ordered XXXX XXXX  in XX/XX/XXXX. The original contract rate was for a year, which was paid, and I continued to pay it until XXXX bought XXXX at the end of XXXX. When XXXX took over the service, they raised the rates somewhere around 70 % and the service was horrible, so I called them and told them to get their equipment, I DID NOT WANT THEIR SERVICE. They never picked up their equipment, and they continued to charge my account in spite of me calling to cancel. 

I attempted to cancel this account multiple times in XX/XX/XXXX and was either hung up on or they said equipment pickup was scheduled and it never happened. 

Cliffnotes : 1. THESE CHARGES ARE UNAUTHORIZED. 

2. XXXX is essentially using Experian and my credit rating to extort funds from me. 

3. If I, in fact, did have their service, then why didn't they cancel it after 90 days of no payment? ( Because they know they can use credit bureaus to extort funds from people with little to no consequence ) 4. The other credit reporting agencies have long ago removed this from my report. 

5. Lastly XXXX  HAS NO SIGNED CONTRACT OR EXTENSION FROM ME FOR THE DATES THEY SAY I OWE THEM FOR, because I never wanted it nor would I have signed it. 

Thank you. 

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 2018-05-15 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Charged on XX/XX/XXXX for service to be performend on XX/XX/XXXX for XXXX on my Chase card. Company XXXX XXXX or XXXX XXXX who charged it has a penalty-free cancellation policy ( 100 % refund XXXX if cancelled 2 weeks before service date. 

We canceled 4 weeks before service date. Company becomes non-responsive, fraudulently charges the card again and then refuses to refund or respond the money. 

XX/XX/XXXX Dispute with Chase. Chase refuses to chargeback the merchant and does not investigate thoroughly even though we have paperwork.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I disputed a bankruptcy that's in credit report i ask the credit bureau to verify information and if verify to send that information from the company they verify it and they telling me the by law they not supposed to give any information I send a letter from the bankruptcy department were they specify they don't report or verify to the credit bureaus also send a letter from XXXX XXXX showing there no information to verify from there records

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 2018-05-15 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I disputed a bankruptcy that's in credit report i ask the credit bureau to verify information and if verify to send that information from the company they verify it and they telling me the by law they not supposed to give any information I send a letter from the bankruptcy department were they specify they don't report or verify to the credit bureaus also send a letter from XXXX XXXX  showing there no information to verify from there records

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Information from Capital One recently appeared on my credit file. This account is not owed. It reports as opened in XX/XX/2018. I recently opened a new account with Capital One this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: VA

Complaint narrative:
I have been a Victim of Identity Theft. I have asked Experian to remove a Fraudulent account Listed On my credit file. The Name of the Account is XXXX XXXX Account XXXX is XXXX, this collection does not belong to me and must be removed. 
Despite Six written requests to Experian, the unverified Fraudulent item listed below still remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of Experian first investigation and subsequent reinvestigation, Experian stated in writing that they verified that this item is being reported correctly? Who verified this account? Experian has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) Experian has failed to prove that this fraudulent collection account belongs to me, therefore, Experian must remove this account. 

I am attaching XXXX XXXX XXXX XXXX XXXX XXXX. XXXX where it shows that a fraud case is on file in XXXX XXXX XXXX Virginia. 
I am also attaching my Drivers license and social security card for proof of Identity. 

I am also attaching the responding letter that Experian has send me without any proof of verification ( a consumer contract with my signature on it ) Please 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 2018-05-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
THIS AGENCY IS TRYING TO COLLECT A DEBT THAT BELONGS TO ANOTHER COMPANY ( XXXX XXXX ) I CALLED THE CREDIT BUREAUS AND WAS TOLD THAT XXXX XXXX IS THE OWNER OF THE ACCOUNT AND NOT NATIONAL CREDIT SYSTEMS. THIS IS A DOUBLE JEOPARDY, TWO COLLECTION AGENCIES REPORTING ON MY CREDIT FOR THE SAME ACCOUNT. DESPITE THAT XXXX IS AWARED ABOUT THE DUPLICATE ACCOUNT INDICATES THEY ARE NOT GOING TO REMOVE IT. THSI IS AGAINST THE LAW. TWO COLLECTION AGENCIES CAN NOT BE REPORTING OR TRYING TO COLLECT THE SAME DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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:
XXXX XXXX XXXX is a fraudulent account because they keep adding fraudulent charges to a charged off closed account. They sent me a letter stating that they will Cease and Desist from contacting, reporting unlawful information on my report and collections, but still persist on doing so. Per FCRA that is a violation.

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 2018-05-16 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: MD

Complaint narrative:
XXXX XXXX XXXX is a fraudulent account because they keep adding fraudulent charges to a charged off closed account. They sent me a letter stating that they will Cease and Desist from contacting, reporting unlawful information on my report and collections, but still persist on doing so. Per FCRA that is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: MD

Complaint narrative:
XXXX XXXX XXXX is a fraudulent account because they keep adding fraudulent charges to a charged off closed account. They sent me a letter stating that they will Cease and Desist from contacting, reporting unlawful information on my report and collections, but still persist on doing so. Per FCRA that is a violation.

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 2018-05-16 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: MD

Complaint narrative:
There are 5 Hard Inquiries on my TransUnion credit report file that I did not authorize. I got notification that my personal information was used on the black market and when I obtained a report of my credit file I seen these hard inquiries. 

1. ) XXXX XXXX ( Finance ) ( XXXX XXXX ) 2. ) XXXX XXXX ( Finance ) ( XXXX XXXX ) 3. ) XXXX XXXX ( Bank ) ( XXXX XXXX ) 4. ) XXXX ( Finance ) ( XXXX XXXX ) 5. ) Trans Union ( Misc. ) ( XX/XX/2017 )

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 2018-05-16 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: EQUIFAX, INC.
State: IN

Complaint narrative:
In XX/XX/2017, I pulled my credit reports from all three credit bureaus and found several inaccuracies being reported. My first, second, and third attempts at disputing the inaccuracy has failed. Each time, all three bureaus state the debt has come back verified. I have requested on numerous occasions the documentations used to verify the account in question. XXXX XXXX XXXX XXXX is reporting a debt inaccurately and the three credit bureaus are allowing them to violate my rights per the FDCRA and the Louisiana Uniform Commercial Code. The credit bureaus are refusing the documentation and consistently reports falsely. By law, I have the right to legally pursue legal action against these offices and at this point to consult with the State attorney & Attorney Generals office because this seems to be slander. My reports are falsely reporting and at this time I strongly feel has prevented me from obtaining adequate employment hindering me from being gainfully employed in my career.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
While reviewing my bank account on the morning XX/XX/2018, I notice that my account was placed on hold with a - {$6600.00}. I contacted the institution who informed me they received a letter of garnishment and they required by Texas State laws to get outside council and seek 125 % of the total debt, post debt, and up to {$1000.00} in attorneys fees but that it had not been referred to outside council yet. I immediately asked the representative why wasn't I informed of this by them and ask if I could seek council and for them not to do it because I can not afford to pay the additional charges related to this charge because I didn't open the account and needed to gather more information which i requested from them. The bank gave me the debt holders information which was XXXX XXXX who's represented by XXXX XXXX XXXX. I contacted XXXX XXXX who directed me to XXXX XXXX XXXX who would not speak to me but simply transferred me to a debt collector who I explained to that I believed that a family member who had previously used my information had opened and used the account as if they were me. I asked could we reach a settlement agreement the waved all of the late fees that have built up over a 10 year period which they refused. I pleaded with them to no avail speaking to multiple agents. I am only willing to settle this because I sure it was a family member who did this and I just want to clear my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: OH

Complaint narrative:
I am writing this for my sister. She is a senior citizen and on a limited income-Social Security. She had just had XXXX XXXX XXXX and was on pain medicine when she made this call. She didn't realize all of this. She was not thinking and very gullable, They say not to sign anything when you have XXXX for this reason. She thought it was a credit card she was signing up for not a loan at 293 % interest. She never signed for this online or by mail. She has tried to stop the loan and auto payments XXXX a month to no avail. The date started XX/XX/2017. Original amount XXXX payoff amount XXXX. On their website, which I signed up online to look at this agreement. It says she has signed by clicking to allow electronic consent, which she did not. How could she read and consent if she was not in person, online or by mail? She was on the phone. She did not receive this in writing. They put it out on their website but did not explain this to her. She doesn't do online, What can be done to get her money back? They have scammed her and forged her signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: MD

Complaint narrative:
Equifax has 3 Hard Inquiries on my credit report that I did not authorize.

1. ) XXXX ( Misc. ) ( XX/XX/XXXX ) 2. ) XXXX XXXX ( Auto Financing ) ( XX/XX/XXXX ) 3. ) XXXX XXXX ( Automobile Dealers, Old ) ( XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief