vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-16 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: FL

Complaint narrative:
I do no anything about this account with XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. I tried to have the credit bureau removethese multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I do no anything about this account with XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. I tried to have the credit bureau removethese multiple times.

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 2018-08-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Niagara Restitution Service Inc
State: TX

Complaint narrative:
Niagara Restitution Service ( NRS ) contacted me at my work phone number then contacted my supervisor and told them they were a process server and then told me that they would garnish my pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to have these fraudulent account removed from my credit file multiple times. XXXX XXXXXXXX XXXX  Account # XXXX. Bankruptcy chapter XXXX-dismissed Account # 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 2018-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX, XXXX, XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2018-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried to have these fraudulent account removed from my credit file multiple times. XXXX XXXXXXXX XXXX Account # XXXX. Bankruptcy chapter XXXX-dismissed Account # 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 2018-08-16 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: CA

Complaint narrative:
I have tried to have these fraudulent account removed from my credit file multiple times. XXXX XXXXXXXX XXXX Account # XXXX. Bankruptcy chapter XXXX-dismissed Account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: NC

Complaint narrative:
Contacted Transunion on numerous occasions about inquiries accessed on my credit file without my consent. Was told by a transunion representative that companies have the eight to view my report as wanted without my consent. The inquiries in question are XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX as well as XXXX XXXX on XX/XX/XXXX. Asking for immediate removal of inquiries asap. No I have no contracts or binding business with any of the inquiring companies nor did I approve access.

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 2018-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I have settled this debt with Chase and they are still reporting it. I have requested them to remove it from my credit reporting and they are not working with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: NC

Complaint narrative:
Contacted Equifax via certified mail and via telephone about unauthorized inquiries on my consumer report was told that they would not be removed because companies can authorize reports as needed. The companies in question I have not approved nor do I have business with. It is illegal and needs to be fixed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Ceannate
State: FL

Complaint narrative:
XXXX XXXX XXXX and its representative Attorneys have colluded or is colluding in their attempt to collect a debt not owed. This assertion of collusion is limited to, insofar as the unquestionable evidence suggest, to making false statements to the CFPB and to me regarding the true state of affairs of the complaints made. This NOT a duplicate of any prior complaints but merely an additional complaint to CFPB who is charged with protecting consumers from unscrupulous financial companies who sought to abuse their power. In this case by using dishonest tactics, false representations and documentary fraud. 


It is to be noted that the uploaded document, whilst making reference to issue raised in prior complaints, highlights the dishonesty and unscrupulous tactics that FMS and its representatives are engaged in as they try to collect money NOT owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Immediate removal of inquiries.

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 2018-08-16 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: TX

Complaint narrative:
THIS IS MY SECOND TIME SENDING A DISPUTE REGARDING THIS ISSUE. Incorrect and inaccurate information is being furnished on my credit report, the balance for XXXX XXXX is incorrect. attached is proof that balance is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
this company " TRANSWORLD SYSTEMS '' keeps calling and leaving robot voice messages on my answering machine saying they are attempting to collect a debt TEL:XXXX CASE # XXXX, the debt is not my debt, but they call every other day harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom it may concern, I have been receiving letters from XXXX XXXX XXXX XXXX XXXX  debt collector for the last few months. The debt is about a car loan ( chase auto finance ) the dealer ship purchased for me to be able to take off an XXXX XXXX  off the car lot. I was doing well until I lost my job and ran out of my unemployment. Soon after I went back to school and was paying my car payment. Later, I went through a temp agency to work and get caught up with my past car payments. 
Chase auto was the original debt holder, and I would like to say acted unfair practice. The reason I say unfair because an ex Co worker that I ran in to a couple months after I bought my car ( at the time ) from the XXXX dealership ; she said she had purchased the same vehicle ( except different color ), and from the same dealer. With her own words said the dealer from XXXX in XXXX, CA had got her a lower car payment. I told her you must have good credit, she said no her credit was terrible. Although, she had bad credit the dealer was able to lower her car payment to {$200.00} a month. Same dealer told me they couldn't that was as far and low that car loan payment would be ( {$380.00} a month ). 
In XX/XX/2017 the car was repossessed before the repo guy took it I called chase to see if I could give partial payment and the rest later in the evening. I was laughed at, belittle, and beraided on the phone for not being able to pay my vehicle. And even though I offered to pay the late payments on my repo vehicle ( XXXX chase representative ) laughed at me and denied me the chance to pay the rest. Less then 30 days later my car was put up for auction. After, that call I felt so small because that's how chase representative made me feel. 
After, it was auctioned I was being billed for the remaining balance of the repo vehicle which is {$5500.00} and because I'm not able to pay it chase sold it to XXXX XXXXXXXX XXXX XXXX XXXX  debt collector. This debt collector has already violated my rights they have been calling family members that I don't live with and some that live all the way in XXXX, new Mexico. I have been receiving the debt that I owe but I'm unable to pay it right now because I am out of work. I don't appreciate that this debt collector is telling my business to family and I want them to stop calling family that I don't live with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS IS MY SECOND TIME CONTACTING YOU ALL REGARDING THIS ISSUE. Incorrect and inaccurate information is being furnished on my credit report. I do not owe XXXX XXXX nor do I have an outstanding balance with them. see attachment as proof of inaccurate information

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 2018-08-16 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: TX

Complaint narrative:
THIS IS MY SECOND TIME CONTACTING YOU ALL REGARDING THIS ISSUE. Incorrect and inaccurate information is being furnished on my credit report. I do not owe XXXX XXXX nor do I have an outstanding balance with them. see attachment as proof of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: TX

Complaint narrative:
THIS IS MY SECOND TIME CONTACTING YOU ALL REGARDING THIS ISSUE. Incorrect and inaccurate information is being furnished on my credit report. I do not owe XXXX XXXX nor do I have an outstanding balance with them. see attachment as proof of inaccurate information.

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 2018-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a 30yr fixed rate mortgage with CHASE Loan # XXXX. 
Sometimes I make payments that are more than the monthly payment due, with the hope that the extra amount I pay, will be applied the principal, and as such, I can pay-off my mortgage quicker and reduce my interest expense. 

When reviewing my statement, I noticed that in some instances, CHASE applied my extra payments to the " future amounts due '' Essentially they apply the amount to the interest that has not yet accrued. 

In some instances the amount applied to the " future interest '' is a few hundred dollars. 
I called them several times ( case # XXXX ) telling them to restate my payments and apply any extra amount to the principal, instead of the " future payments due '' I have called them at least three times on this issue, but no help and no reasonable explanation. 

I also send them the following e-mail through the corporate web-site on XX/XX/XXXX On my XX/XX/XXXX Statement, my outstanding principal was XXXX, and the amount due was XXXX/ Of those only XXXX was interest. 
On XX/XX/XXXX I sent the payment of XXXX USD, if you deduct the interest due at that time of XXXX, the rest of the amount, XXXX should have reduced my principal payment, for the next month. However the principal for the next month was only reduced by XXXX. 
XXXX USD. was not applied to my principal amount. 
Please review my account and credit the remaining amount to my principal amount as of XX/XX/XXXX. 

But nothing happened since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: OK

Complaint narrative:
I have been disputing inaccurate information that has been placed on my credit report for since early XX/XX/2018. I applied for a refinance of my mortgage loan and was adviced That I have 100 plus inquiries from each credit bureau. I pulled each credit report and noticed about 80 plus were not authorized. I sent all three credit bureaus letters. I received from all three breaks. Transunion responded XX/XX/2018, their response was a letter was received and they didnt think it was me. They will not continue on with investigation. I sent and updated all information on XX/XX/2018. XX/XX/2018 XXXX received dispute letters in regards to inquiries. Their response on XX/XX/2018 from the inquiries were that the inquiries were authorized and accurate and they are not removing them. I sent XXXX two dispute letters, one for my inquiries and one for several inquiries on my credit report. XXXX has refused to take any action on my credit file. They have just continued sending me copies of my credit report and hasnt followed up with me. I am becoming frustrated because it seems that my credit is being pulled from auto lenders and several credit card companies as from the past every 6 months and they are going through the institutions that I bank with. I just want to get this matter resolved.

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 2018-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: LA

Complaint narrative:
Midwest Recovery Systems never sent me anything in writing about a supposed debt that is past the statute of limitations in my state of Louisiana. Also, they were rude and verbally abusive when contacted by phone. This company refuses to answer in writing and wrongly claims that the debt is mine. I've asked for validation and they refuse. I'm requesting the removal of this fraudulent account from all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Data Corporation
State: HI

Complaint narrative:
I signed a lease with a credit card processing company for 3 years, I was told that the equipment lease was going to be the same number of years, but it got buried between lots of pages in the package, it started ta get scary when I made a transaction for several thousands of dollars off my client but the processing company was holding the funds without telling me, That companies name was XXXX, which was at that point not working on releasing the funds, I asked my client to call them and beg them to deposit her money on my account so I can order her products to fix her rental house, it took about a week for us to get the money transferred, I am loading copy of letter, I went ahead and stop all transactions with them, my lease was finished, it took three years then I found out that I wasnt able to finish the equipment lease, it was one year longer, besides The fact that the thermal paper was not working and I complained several times and never got any help I was ready to finish it, I packed the useless processor back to them, I upload copy of shipment and proof of receipt, furthermore they kept taking monthly payments from my business account, I got a few returned but they had no intention to stop so I had to block them off of my checking account, in exchange for my reaction they gave my a bad credit record which I want to have them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Perfection Collection
State: NY

Complaint narrative:
Perfection collection is reporting that I owe money on something which I never purchased ... .it is clearly fraud as when I contact them to get information or proof of what I signed they tried to bait me into getting my personal details and refuse to provide any information where I signed or initiated the debt in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: TX

Complaint narrative:
This is my second time sending a request regarding this issue. I have paid XXXX XXXX XXXX XXXX directly. XXXX cant collect on an account that I have paid with the original creditor directly. See the attached copy of the receipt as account being paid to XXXX the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Inquiries I didn't authorize, I put a fraud alert in my account months ago, the only valid ones are XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2018-08-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my second time sending a request regarding this issue. I have paid XXXX XXXX XXXX XXXX directly. XXXX cant collect on an account that I have paid with the original creditor directly. See the attached copy of the receipt as account being paid to XXXX the original creditor.

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 2018-08-16 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: FACTUAL DATA CORP.
State: TX

Complaint narrative:
Inquiries I didn't authorize, I put a fraud alert in my account months ago, the only valid ones are XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC.
State: LA

Complaint narrative:
This debt collection agency is abusive and verbally aggressive. They will not cease their endless tactics if trying to collect a debt which they have not validated. This company AFNI, appears on my XXXX report and they refuse to remove it, validate it or cease calling.

Company response to consumer: Closed with explanation