vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am XXXX and have depended on this card to receive my goverment monthly benefits for almost 10 years now. My account was hacked on or about XX/XX/2019 and account was closed on or about XX/XX/XXXX totally unbeknownst to me and also ( 1 ) day  before goverment funds were due to arrive. After almost 10years one would think some kind of leeway would suffice the sudden  without notice closure of account to a XXXX indiviidual non the least. Additionally, after account was closed on XX/XX/2019 XXXX, I was unable to get in touch with any company rep by email, phone or otherwise due to no longer being member. A [ POBox ] address was only alternative offered to respond to hacking of my account. I am totally disappointed with American Express and its sub " Bluebird Services ''. Please Help Thank You. 
.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account was deleted from all 3 of my accounts because of identity theft. I have now been notified by the original creditor, which I did not authorize, that the account has been sold to a collection agency. This is a huge violation an account which does not belong to me, and that can not be verified should not be placed into collection.

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 2019-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
My auto loan is very high interest and I was pey of the 17 month and every month payment is XXXX . 
I'm taking the Hyundai finance company for fix it and make the best of it but don't fix it.I can't pay for the high interest for the car and l back car to the diler XXXX XXXX XXXX on XXXX XXXX NV.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: GA

Complaint narrative:
This account was deleted from all 3 of my accounts because of identity theft. I have now been notified by the original creditor, which I did not authorize, that the account has been sold to a collection agency. This is a huge violation an account which does not belong to me, and that can not be verified should not be placed into collection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The following account was removed from my credit report because it was proven to be the result of fraud. Now I am being contacted by the original credit, which I did not authorize to begin with, and a collection agency saying that I owe the debt and that the debt was sold to the collection agency. This is a huge violation. I have attached proof below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The following account was removed from my credit report because it was proven to be the result of fraud. Now I am being contacted by the original credit, which I did not authorize to begin with, and a collection agency saying that I owe the debt and that the debt was sold to the collection agency. This is a huge violation. I have attached proof below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
In XXXX of this year I noticed a collection account on my credit file. I contacted National Credit Systems in XXXX, Ga this company was listed on my credit file. I spoke with a supervisor. I explained to the Collection Agency that the reporting was inaccurate and I had no knowledge of the original creditor. I ask that she forward over the contract and a copy of the license on file. She was very rude. I called several times to speak back with a different Supervisor from the one that hung up the phone on me. I believe her name was Mrs. XXXX.On XXXX the XXXX I called the collection agency again because I had not received any information ( contract with my signature ) from them. I called the original creditor and they seem to have went out of business seems to me this whole situation is fraudulent. The original creditor has no known address or phone number. This collection agency is breaking the law by placing fraudulent activities on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On ( XX/XX/2019 ) I discovered ( XXXX/XXXX ) had been re-inserted into my credit file from EQUIFAX, INC after being removed from my credit report. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This is a violation of the Fair Credit Reporting Act which states you have to notify the consumer in 5 days and today is XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
I paid XXXX in XX/XX/2018 {$240.00}. XXXX accepted payment, then I received a collection notice from Professional Credit and promptly advised them this was already paid. Now I am in contract on a home, and being denied a home loan due to this collection. I have made several requests to Professional Credit to show this as paid and remove the item from my credit with no action on their part to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On ( XX/XX/2019 ) I discovered ( XXXX ) had been re-inserted into my credit file from EXPERIAN INFORMATION SOLUTIONS, INC after being removed off my credit report. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This is a violation of the Fair Credit Reporting Act which states you have to notify the consumer in 5 days and today is XX/XX/2019.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
Roughly around XX/XX/2019. I was shocked to have received a message from American Express stating that credit limit was forcefully decreased by roughly 33 % ( went from {$10000.00} to {$7000.00} ) which directly impacted my credit score by 25 points. 

Since receiving the card, I had a much lower limit. Over time, I was given periodic increases, maybe 3 over the years and got it up to {$10000.00}. I received many promotions for new cards, but i was happy with my current one. 

I have not missed a payment, I have not had any abrupt credit issue that would impact my score, and I take pride in being a responsible credit card user. 

Never in my wildest thoughts, being responsible would result in being directly retaliated against resulting in credit damage impacting my ability to receive the best rates I had earned through credit worthiness. 

I am hoping to get the resolved and reinstated as this was not in the terms of my agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
I have issued a formal dispute with the credit reporting agency XXXX and XXXX over a bill that has NEVER been verified with me. This debt is held by a collection agency called Medical Commercial Audit Inc. NO verification letters have been sent to me plus I have requested this many times, litigation is  pending. 

The original account open date of so called collection account is XX/XX/2014, this is still open and unresolved. I believe this debt has no validity and therefore has every right to be disputed. MCA has no intentions of deleting this account from my credit file it seems so appropropriate action will be taken. 

I demand this Co. take action immediately and satisfy this complaint and take action to remove this entry from your database and ALL credit reports immediately. 

Further action such as reporting this to the XXXX and other Complaint Forums will be done right away and made public.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I have a so-called unsatisfied collection account debt with a Co. called LVNV Funding otherwise known as Resurgent Capital LLC. I have had many communications via phone from this Co. but they have NEVER resolved the issue or even sent me any kind of supporting documentation regarding such account. 

This account is originally dated XX/XX/2017. The original creditor is XXXX XXXX XXXX. The amount in question is for {$660.00} this has never been verified with me nor was a bill ever sent to me. This account incurred fraudulent charges and a fraud report was issued to original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: EQUIFAX, INC.
State: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: NM

Complaint narrative:
Trans Union, XXXX  and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong 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 2019-06-02 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: NM

Complaint narrative:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong 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 2019-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
when the vehichle was originally picked up for repo Santander offered to return the vehicle upon payment of the past due amount and applicable fees, which was done the day following the vehicles repossession. after checking my credit report 30 days later the account showed as charged off/ closed by creditor. when i contacted Santander about this inaccurate status i was informed it would remain that way until paid in full. i was unable to attain any movement in all attempts to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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 — Was not notified of investigation status or results
Company: Clarity Services
State: CA

Complaint narrative:
The start of the year I found out I was one of the lucky few who happen to have identity theft Clarity Services claimed to be part of a credit bureau and they werent now they are maliciously causing me stress to the point I was hospitalized for XXXX XXXX XXXX. Im more then welcome to share dates and times of that as well but it was around XXXX when they ran my credit without my knowledge that they were in fact not part of a bureau and ever since have been causing me XXXX XXXX with there crooked antics for not allowing me to gain access to a loan to help ease the financial burden of paying to have my credit repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital Ome Bank had a balance of {$2700.00} was closed XX/XX/XXXX. Was sent to collections and a law firm named XXXX and XXXX. XX/XX/XXXX I settled with the law firm and made a payment of {$2000.00}. My credit report states I owe capital one {$680.00} however I have a letter from the law firm XXXX and XXXX that the account is settled. This account should be removed as I paid the law firm then settled amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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:
XXXX XXXX Bank had a balance of {$2700.00} was closed XX/XX/XXXX. Was sent to collections and a law firm named XXXX and XXXX. XX/XX/XXXX I settled with the law firm and made a payment of {$2000.00}. My credit report states I owe XXXX XXXXXXXX {$680.00} however I have a letter from the law firm XXXX and XXXX that the account is settled. This account should be removed as I paid the law firm then settled amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
XXXX  IS FALSELY REPORTING 9 HARD INQUIRIES AND WANT THEM TO DELETE TODAY, THESE ARE UNAUTHORIZED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: Colony Brands, Inc.
State: AR

Complaint narrative:
XXXX IS FALSELY REPORTING 9 HARD INQUIRIES AND WANT THEM TO DELETE TODAY, THESE ARE UNAUTHORIZED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: General Motors Financial Company, Inc.
State: AR

Complaint narrative:
XXXX IS FALSELY REPORTING 9 HARD INQUIRIES AND WANT THEM TO DELETE TODAY, THESE ARE UNAUTHORIZED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: Consumer Portfolio Services, Inc.
State: AR

Complaint narrative:
I WENT TO DEALER AND THEY PULLED 48 HARD INQUIRIES ON ALL 3 BUREAUS WITHOUT MY SIGNATURES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted identity theft affidavits to all 3 credit bureaus due to fraud activity on some accounts that landed on my credit reports. the FCRA & 605B ( 15 U.S.C. & 1681c-2 ) specifies and I quote " ( a ) Block. Except otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt of such agency of- 1. appropriate proof of the identity of the consumer ( which I provided ) 2. a copy of an identity theft report ( which I provided ) 3. the identification of such information by the consumer ; and 4. a statement by the consumer that the information is not information relating to any transaction by the consumer. ( which I also provided ) YET the following account : XXXX XXXX XXXX XXXX IN THE AMOUNT OF {$5000.00} remains on my credit file and was never blocked and or removed ... ..this account is ruining my financial life as I attempt to put it back together.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: Colony Brands, Inc.
State: AR

Complaint narrative:
I WENT TO DEALER AND THEY PULLED 48 HARD INQUIRIES ON ALL 3 BUREAUS WITHOUT MY SIGNATURES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: CORELOGIC INC
State: AR

Complaint narrative:
I WENT TO DEALER AND THEY PULLED 48 HARD INQUIRIES ON ALL 3 BUREAUS WITHOUT MY SIGNATURES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc.
State: FL

Complaint narrative:
Ingo check cashing banned me for no valid reason whatsoever.. I believe they are a scam and try to harvest consumers information as I don't know Anyone who has successfully cashed a check with Ingo.. After the banned me I contacted the company several times to get an answer as to why I was banned to no avail usually without any response ... They don't live up to what services they are supposed to be offering ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: AR

Complaint narrative:
EXPERIAN FAILESIGNATUES, D TO DELETE 10 HARD INQUIRIES, THESE WERE PULLED W/O SIGNATURES0.

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 2019-06-02 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: GA

Complaint narrative:
I submitted identity theft affidavits to all 3 credit bureaus due to fraud activity on some accounts that landed on my credit reports. the FCRA & 605B ( 15 U.S.C. & 1681c-2 )  specifies and I quote " ( a ) Block. Except otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt of such agency of- 1. appropriate proof of the identity of the consumer ( which I provided ) 2. a copy of an identity theft report ( which I provided ) 3. the identification of such information by the consumer ; and 4. a statement by the consumer that the information is not information relating to any transaction by the consumer. ( which I also provided ) YET the following account : XXXX XXXX XXXX  XXXX IN THE AMOUNT OF {$5000.00} remains on my credit file and was never blocked and or removed ... ..this account is ruining my financial life as I attempt to put it back together.

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