vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The account information unverifiable

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 2018-11-12 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: TX

Complaint narrative:
I have disputed this item with the credit reporting agency and you reported you confirmed the account as valid with a copy of a BILL STATEMENT. I asked for VALIDATION. I do not believe we have any relationship with this collection agency. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt VALIDATION not VERIFICATION, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Innovis
State: TX

Complaint narrative:
The account information unverifiable

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: CITIBANK, N.A.
State: GA

Complaint narrative:
at XXXXXXXX XXXX. Sunday, XX/XX/XXXX I missed a call from an unfamiliar phone number that left a message for me. The call came from ( XXXX ) XXXX, claiming to be with Citibank. I do have a Citi card. When I called back they asked for the last 4 digits of my cc, which I did not have. In lieu of having the cc number it asked for my social security number. I started entering the number, then felt uneasy and hung up. Their message was thanking me for being a part of the Citibank family and asking to log into their website to review my account status, or call them at ( XXXX ) XXXX. I logged into my Citi account and their were no messages there. I called Citi myself today, at ( XXXX ) XXXX, which is the number posted on their website. The CSR told me that they had no record of any call, and the only time they'd call would be to discuss a late payment. The account is always paid on time. I tried the ( XXXX ) XXXX number today, and again it asks for either the last 4 digits of my account number or my ss #. However, I kept dialing " 0 '', and got a CSR -- but the background  noise/call quality sounded suspicious. I have googled both of these numbers today and seen different posts of it being a scam. Thanks in advance for your help. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XXXX I checked my credit report, I realized that there was an excessive amount of inquiries that had been ran without my consent. I disputed each on its a total of 12. As of last month XXXX  transunion and XXXX both said they couldnt find anything and with that being said they couldnt do anything. I wrote back again saying these were unauthorized and basically fraud. They said they closed the investigation. My thing is I think they should know that its excessive inquiries, who runs there credit like that back to back. Up to now my history has never shown excessive pulls like this. Furthermore I have a fraud alert to call me before extending or running my credit.

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 2018-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
I do not understand how the credit lending institution can allow a machine to run my credit and decide that the lack of information found means I'm a risk factor for paying my bills. I have filled out credit applications and been denied for what was on my reports so I did not argue. I spent several stressful weeks trying get the inaccuracies corrected & now they are. I filled out a new application and was denied for not having enough history of payments, & a non generated fico score. I have paid cash my whole life & had no clue I was being graded for my payment histories! The credit card companies will not give me a fair chance because according to the grading scores ( calculated risk ) I'm not credit worthy. I am sick of the way our governments grade our lives pretty much from birth! I'm capable of paying my bills and I'm the one who should be ablebto say so not some XXXX scoring chart that has no clue what assets I've aquired in my XXXX   years of life. Credit lenders if you can not treat me the way you might a XXXX  with no credentials in the U.S. then your loss and you should be ashamed of your selves. I think its prejudice & bias that you won't trust me but I'm forced to trust you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Ingo Money, Inc.
State: TN

Complaint narrative:
on XX/XX/18 i deposit check i did not know was not good thay closed my account without telling me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am being charged for a membership of {$27.00} to monitor my credit score. 
However, I am not able to use their app in order to sign into the account. 
Also when I sign in on the web it provides nothing of the service that I am currently being charged for. It only displays my credit score. 

When I attempt to cancel the account, on the web I am being directed to call a number. 
When I call the number the automated system does not direct me to a live person and it also tells me that there is no account on record for me. 

I have tried emailing customer support and have received no such response. 

Website : https : //experian.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 2018-11-12 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: GA

Complaint narrative:
In XXXX I checked my credit report, I realized that there was an excessive amount of inquiries that had been ran without my consent. I disputed each on its a total of 12. As of last month Equifax XXXX   and XXXX both said they couldnt find anything and with that being said they couldnt do anything. I wrote back again saying these were unauthorized and basically fraud. They said they closed the investigation. My thing is I think they should know that its excessive inquiries, who runs there credit like that back to back. Up to now my history has never shown excessive pulls like this. Furthermore I have a fraud alert to call me before extending or running my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX I checked my credit report, I realized that there was an excessive amount of inquiries that had been ran without my consent. I disputed each on its a total of 12. As of last month XXXX XXXX   and Experian both said they couldnt find anything and with that being said they couldnt do anything. I wrote back again saying these were unauthorized and basically fraud. They said they closed the investigation. My thing is I think they should know that its excessive inquiries, who runs there credit like that back to back. Up to now my history has never shown excessive pulls like this. Furthermore I have a fraud alert to call me before extending or running my credit.

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 2018-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I do not understand how the credit lending institution can allow a machine to run my credit and decide that the lack of information found means I'm a risk factor for paying my bills. I have filled out credit applications and been denied for what was on my reports so I did not argue. I spent several stressful weeks trying get the inaccuracies corrected & now they are. I filled out a new application and was denied for not having enough history of payments, & a non generated fico score. I have paid cash my whole life & had no clue I was being graded for my payment histories! The credit card companies will not give me a fair chance because according to the grading scores ( calculated risk ) I'm not credit worthy. I am sick of the way our governments grade our lives pretty much from birth! I'm capable of paying my bills and I'm the one who should be ablebto say so not some XXXX scoring chart that has no clue what assets I've aquired in my XXXX   years of life. Credit lenders if you can not treat me the way you might a XXXX with no credentials in the U.S. then your loss and you should be ashamed of your selves. I think its prejudice & bias that you won't trust me but I'm forced to trust you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I do not understand how the credit lending institution can allow a machine to run my credit and decide that the lack of information found means I'm a risk factor for paying my bills. I have filled out credit applications and been denied for what was on my reports so I did not argue. I spent several stressful weeks trying get the inaccuracies corrected & now they are. I filled out a new application and was denied for not having enough history of payments, & a non generated fico score. I have paid cash my whole life & had no clue I was being graded for my payment histories! The credit card companies will not give me a fair chance because according to the grading scores ( calculated risk ) I'm not credit worthy. I am sick of the way our governments grade our lives pretty much from birth! I'm capable of paying my bills and I'm the one who should be ablebto say so not some XXXX scoring chart that has no clue what assets I've aquired in my XXXX   years of life. Credit lenders if you can not treat me the way you might a XXXX with no credentials in the U.S. then your loss and you should be ashamed of your selves. I think its prejudice & bias that you won't trust me but I'm forced to trust 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 2018-11-12 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: TX

Complaint narrative:
Transunion is allowing two Fraudulent accounts listed in my Identity theft affidavit to be placed on my credit report knowing these accounts are fraudulent. I did not authorize these accounts to open in XX/XX/2015, Not only do the account credit limits appear incorrectly, Transunion has been notified that these are fraudulent and continue to allow the fraudulent accounts to appear on my credit reports. I did not open these accounts, I never received any credit cards from this institution. When the thief stole my wallet, they stole my social security card, Drivers License, and forwarded my mail. In addition the company has already been notified that I did not authorize these accounts. There are two XXXX XXXX XXXX XXXX accounts that Transunion knowingly allows. These accounts are fraudulent and are listed as such on my Identity theft affidavit which is a legal document I am attaching below again. I am requesting these accounts be blocked immediately as I never signed anything for this institution. Nor did I ever receive any information on these accounts. When I called the credit union, the agent advised me these had been opened at an address listed XXXX XXXX XXXX, and XXXX XXXX XXXX. Neither of these addresses are mine, nor did I ever live there. Since then the credit union, has verbally harassed me and threatened to show up at my door. These accounts are not mine these were opened as a result of Identity Theft, PER THE FCRA Law. I am reporting this crime to you, along with a Law Enforcement affidavit. Please block the Inquiries listed on the Affidavit along with these two XXXX XXXX accounts. The Credit limits per the agent were XXXX, and XXXX and you have them both listed as XXXX as well. So that is incorrect. The accounts are fraudulent too and they said Transunion knowingly allows fraudulent information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: VA

Complaint narrative:
Account Identification Number XXXX - XXXX XXXX During some financial trouble, I made arrangements for a payment plan with XXXX. I made all of my payments as agreed. In XX/XX/2018, my automatic payments stopped coming out of my checking account. I called the customer service line to find out why and to make sure the payments were reinstated. I was told they were. The next month, the payments were still not coming out of my account so I called again. When I realized that the automatic payments were not set up again like I was told they were, I began making the payment online via the website. I was notified that the account was reported 90 days past due on my credit report. When I called to find out why the account had been transferred to a collection agency. They told me that I had been taken off the payment plan back in XXXX, but I was NEVER notified. I have made all the payments per our agreement on time. They have been reporting my account late as well as charging late fees to my account every month which have accumulated to over {$230.00}. My balance is {$500.00} - That is 1/2 my balance! I would be happy to pay the card off now, but do not feel that I should have to pay those late fees. I called customer service numerous times. I was told my account was being re-aged and the late fees were being removed, but then when I received nothing in the mail verifying that, I called back today only to find out that this is not happening and they are still reporting my account late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
Purchase amount of XXXX usd. Interest defered for 6 months. The company backcharged 6 months of added interest at a rate of 29.90 % violating the terms and conditions agreed to by the consumer Consumer has paid over {$700.00} usd ytd on credit line of {$1500.00} and current balance shows as {$1200.00} usd. 
Consumer has tried to ask why this ballance is so high and company reverts back to interest defered promo and states lump sum of interest Company is reporting to credit bureaus and is a foreign entity operating off shore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JTM Capital Management, LLC
State: LA

Complaint narrative:
On XX/XX/2018, XXXX XXXX XXXX ( XXXX ) contacted my daughter and left a very detailed message regarding someone serving a summons on me between the hours of 3-5 regarding a suit that has been filed against me. My daughter has no affiliation or knowledge of any  debt that belongs to me. My daughter was frightened that I was going to be arrested. I call these people back and spoke to a Ms. XXXX. She advised that someone would be serving a summons and documents upon me either at my home or employment and that I would need to have my Human Resource manager present while this supposed service was taking place. She continued to threaten me that a court date was imminent and fees would be compiled on top of the initial debt. As I pressed her for more information, such as when and where was the suit filed and what documents was this person serving she hung up on me. Supposedly this conversation was recorded. If it was not recorded or if the recording was not retained, I do still have the voicemail message that was left on my daughter 's cell phone. 
I called back again, because I wanted to get this debt resolved. I spoke to a man named XXXX XXXX. He also insisted that someone was going to be serving a summons and documents on me. I advised that I did not see any lawsuits filed against me ( I have access to the court website through my employer ) and he told me that the paperwork was being sent in immediately for the filing of the lawsuit or I could resolve the matter with him. I succumbed to his threatening and pressuring tactics and made arrangements to split the debt into two payments. 
On XX/XX/XXXX, I checked the website that was provided on the contract that was sent to me and I do not think that this company is a legitimate debt collection company. I again called XXXX XXXX and advised him that he needed to cancel the second payment and that I would be making a complaint against him, Ms. XXXX and XXXX XXXX XXXX. He then offered to completely wipe out the debt if I would not make the complaint. the account number provided to me is XXXX. 
The tactics used by this company are against the Fair Debt Collection Practices Act. Specifically, Section 807, 2.A, False representation of the legal status of the debt ( see above ) ; Section 807, paragraph 11 - I had not received any initial communication from this company regarding this debt ; Section 807, paragraph 13, advising that a process server was attempting to serve a summons on me ( which did not exist ). 
I have filed a complaint with my bank to try to have the initial payment retuned to me as I feel this company is completely fraudulent.

Company response to consumer: Closed with explanation