vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-18 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: Ad Astra Recovery Services Inc
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX sued me around XXXX XXXX. We went to court and had a hearing where I filed a Motion to Dismiss, there was a scheduling order and Defendant 's First Request for Production of Documents and A Journal Entry with Dismissal by the Petitioner Attorney XXXX XXXX. Around XXXX XXXX I received a phone call from Attorney XXXX XXXX asking if I would like to settle. We reached a settlement where he would pay me {$16.00} and remove this debt from all three credit reporting agencies. The mysterious thing is that XXXX XXXX sued me, but a debt collection agency owned by Attorney XXXX XXXX named AdAstra is reporting the debt to the credit bureaus. I wrote two letters to XXXX XXXX and one to Ad Astra. I wrote and disputed with the credit bureaus and showed my proof that there was a settlement and the case was dismissed by Attorney XXXX. I have all the paperwork and evidence. I have NEVER received the {$16.00} from Attorney XXXX nor has the wrongful credit reporting ceased. AdAstra is still reporting this debt, ruining my credit, when the case was settled and dismissed in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: PA

Complaint narrative:
I had a discover credit card and the company closed my account because I payment got returned due to NSF.. But what is mind blowing during the time the payment was made no payment was due and my account should have had a full positive balance. I disputed some transactions that were fraud and the claim was closed and all the monies was credit back to the account .... Discover should have never closed my account. I want either my XXXX security deposit returned to me immediately or a just like the letter the company sent saying that they have established a new account for me, but when I call they something different .... I would like for the account to be reinstated and a new card sent out to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: DE

Complaint narrative:
While this company servicing my loan was still XXXX XXXX, the monthly payments were very high and they were not willing to work with me to lower the payments and make them more affordable. I entered into an agreement with them where once they adjusted my monthly payment, and they were made on time for 6 months, that all negative information related to the account would be removed. Once thee account carried over to XXXX the same terms were to apply. To ensure that there were no problems considering the reputation of these companies, I enrolled in auto pay. The payment have been made with a hitch for a quite a while however, the company has not honored their commitment. Furthermore they are still reporting late payment although I am enrolled in auto pay and have proof that the payments were made. I am in the middle of trying to purchase a home, and the XXXX XXXX question continued to come up with all perspective lenders. It is becoming very frustrating and costly. They continually misreport, and have basically harmed me in every way listed in the lawsuit filed by CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: DE

Complaint narrative:
While this company servicing my loan was still XXXX XXXX, the monthly payments were very high and they were not willing to work with me to lower the payments and make them more affordable. I entered into an agreement with them where once they adjusted my monthly payment, and they were made on time for 6 months, that all negative information related to the account would be removed. Once thee account carried over to XXXX the same terms were to apply. To ensure that there were no problems considering the reputation of these companies, I enrolled in auto pay. The payment have been made with a hitch for a quite a while however, the company has not honored their commitment. Furthermore they are still reporting late payment although I am enrolled in auto pay and have proof that the payments were made. I am in the middle of trying to purchase a home, and the XXXX XXXX/XXXX question continued to come up with all perspective lenders. It is becoming very frustrating and costly. They continually misreport, and have basically harmed me in every way listed in the lawsuit filed by CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-18 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: DE

Complaint narrative:
While this company servicing my loan was still XXXX XXXX, the monthly payments were very high and they were not willing to work with me to lower the payments and make them more affordable. I entered into an agreement with them where once they adjusted my monthly payment, and they were made on time for 6 months, that all negative information related to the account would be removed. Once thee account carried over to XXXX the same terms were to apply. To ensure that there were no problems considering the reputation of these companies, I enrolled in auto pay. The payment have been made with a hitch for a quite a while however, the company has not honored their commitment. Furthermore they are still reporting late payment although I am enrolled in auto pay and have proof that the payments were made. I am in the middle of trying to purchase a home, and the XXXX XXXX/XXXX question continued to come up with all perspective lenders. It is becoming very frustrating and costly. They continually misreport, and have basically harmed me in every way listed in the lawsuit filed by CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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 is reporting wrong information on my credit report. Transunion and XXXX  and XXXX have two different open date when the account begin. How can one account open on two different day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: FL

Complaint narrative:
XXXX XXXX is reporting wrong information on my credit report.

XXXX and XXXX  and Eqifax have two different open date when the account begin.

How can one account open on two different day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-18 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: Eagle Accounts Group, Inc.
State: PA

Complaint narrative:
XXXX put a credit inquiry on my report on XX/XX/XXXX and XX/XX/XXXX. I did not authorize these inquiries. I sent them a letter disputing these inquiries and was sent back a generic response that inquiries are a matter of record and it wouldn't be removed. I did not authorize these inquiries and I would like them removed from my report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: MI

Complaint narrative:
On XXXX/XXXX/XXXX I contacted Equifax, XXXX and XXXX Customer service and fraud department to inform them that they are reporting inaccurate information on my credit reports which is affecting my scores. There are multiple credit Inquires that I did NOT authorize. I contacted the companies that reported the inquires, asking them to remove them because they are NOT authorized by me. They informed me to contact the credit bureaus in regards to having them disputed and removed. I 've been getting ping ponged between Equifax, XXXX, and XXXX as well as the companies reporting the inaccurate information to no avail. I 've included a copy of my official FICO credit report highlighting the inaccurate information. I was already a victim of the XXXX Data Breach Fiasco previously and I should n't have to continue to deal with issues like this. I am asking for assistance in getting this inaccurate information removed from my credit report because It is causing detrimental harm to my credit. I am in the process of purchasing my first home and to have to go threw this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Hello CFPB I am writing to assist regarding XXXX XXXX XXXX XXXX XXXX XXXX with application ID # XXXX XXXX XXXX. I applied and was asked to send documents My Driver License SS Card and Utility Bill for verification which i did send. I received voicemail to call them and i did call them but they start asking some question back in 10 years period i tried my best to answer and they declined application. I send and complied with all their request and i was denied. Please assist me to get this application approved. I have great credit and this is Valid application for 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 2018-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Protection Association, L.P.
State: IL

Complaint narrative:
This money was on bills I never had one was for XXXX for {$320.00} and the other was from XXXX for {$590.00}. Both were from the same address in XXXX Illinois I have never lived their and each time ive tried to contact them they send me to the same recording that is so staticky that you can only hear every other word.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P.
State: OK

Complaint narrative:
Had a previous complaint with this Company Southwest Credit as to where they were continually harassing a family member at XXXX at all hours using varying numbers. And had been told various times to cease calling. From the previous complaint they are to cease and desist any further contact to me or anyone which they have violated on numerous occasions. Also currently I am in bankruptcy filing proceedings and they need to drop any further attempt to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
A few months ago I discovered that Kohl's/Capital One was reporting an account in error on my credit report. I disputed the account with all three credit bureaus, but it came back " verified '' on all three. On XXXX XXXX, 2017 I sent the attached detailed letter to Kohl's/Capital One, but they never responded and are still reporting the erroneous information. I have read where many other consumers have had the same exact problem with Kohl's/Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kramer & Frank, P.C.
State: MO

Complaint narrative:
XXXX XXXX XXXX is trying to sue me for the Amount of {$3600.00} by way of Attorneys office : Kramer & Frank XXXX XXXX XXXX. XXXX. 
XXXX XXXX, MO XXXX File # XXXX XXXX XXXX ( XXXX ) XXXX Letter was sent to my Residence on XX/XX/2018. It is quite a friendly cute letter if you will. XXXX XXXX XXXX is in Bold lettering implies yelling. XXXX XXXX is the contact for the above listed Attorneys office. they offer for me to pay online at XXXX. I will admit I was XXXX off due to the amount of overdraft fees you and I know accrue with Banks. You can gather they are harassing me and want to file for a judgement to be placed on me. You know when one has a XXXX his/her income is limited well my income is limited I receive XXXX dollars on the XXXX of each month from XXXX XXXX XXXX who by the way allows me to withdraw {$60.00} dollars each month in cash for the payment of XXXX dollars. I withdraw XXXX then I pay XXXX dollars so I really pay {$40.00} dollars for {$60.00}. I admit I need to pay XXXX XXXX some money due to a delinquent account, credit card, However, I did pay over 75 % of the balance due to the fact that I thought that I would be able to keep my Job and pay my bill. However you know it 's time like this that I wish I 'd never gave XXXX XXXX {$20000.00} XXXX XXXX {$10000.00} XXXX XXXX {$20000.00}. You know right now their rejoicing in the fact I cant pay XXXX XXXX XXXX for the Credit Card. My spending got out of control when I lost my Job. Sorry this informative letter is n't perfect according to Legal Standards However, I Hope that I 've Voiced myself concerning this matter correctly. 
Last I live at a XXXX XXXX XXXX in XXXX Missouri Like the Creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: NY

Complaint narrative:
Westlake financial is Saying i owe The XXXX for a car. I reported In 2010 to the police that the person signed my name and used my identity i thought This was squared off and now i see It on my credit report.. I dont know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: CA

Complaint narrative:
Someone has been applying for credit using my personal information without my authorization and consent. Someone has also opened a XXXX credit account and has been using it without my knowledge. I have filed a police report and sent multiple dispute forms to the credit bureaus ( XXXX, XXXX, Equifax ) but no one is helping me. I spoke to the bureaus and XXXX, however no one is helping me with this issue! I am a victim of identity theft and this is ruining my life! 


XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX Equifax : XXXX XXXX- Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: UT

Complaint narrative:
I disputed the debt and amount that I they claimed I owed from the beginning. It was a personal cell phone bill that they claimed I owed {$2300.00}. Finally on XXXX XXXX XXXX I agreed to settle with them for {$1100.00}. In exchange AFNI agreed to remove any and all negative information reported on my credit. 
I was recently rejected for an auto loan. Upon examining my credit with XXXX, I discovered the only negative information was from this same AFNI account. 
The AFNI collection agent made false and misleading statements in order to get me to pay the {$1100.00} settlement, then neglected to remove the negative information. 

I have disputed the information with XXXX. I received notice today XXXX that AFNI confirmed the negative information. I spoke today with a XXXX XXXX XXXX, supervisor with AFNI who informed me that they never remove negative information as part of a settlement. He informed me that they will not remove the collection account from my credit. 
This constitutes a financial hardship for my family, as we are unable to obtain credit, except at astronomical interest rates. I am obligated by contract to refinance my home by this spring, and can not do it while this is still on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I 'm a victim of a bank fraud scam. I applied for a " loan '' from someone who pretended to be XXXX XXXX. That 's whom I 'm guessing took my information. They had all my information to begin with and were putting fake checks into my account. They deposited four checks and only two was cleared. Someone made " debit card '' purchases for the same amount of {$640.00}. I did not make those transaction even though I had my card on me. Chase restricted my account and took my paycheck as well because they felt I had something to do with this. They did n't do a proper investigation. They ignored that my account was accessed by 7 different devices! 

They believed that I deposited those checks and did those transactions. They treated me so bad through this whole thing. They forged my signature as well! I even put a complaint with FTC and they still believed that I had something to do with this. Why would I go and place complaints if I had something to do with it. They refused my claims twice!! I was even told my the representative in the branch that I went to for help say.. I quote this that they technically saying I 'm at fault and it 's negligent on my part. So Chase is saying this is something I asked for!! That applying for loans to help pay my bills was my fault!! How dare they! They are disgusting! They are trying to make me pay {$740.00}!! Something I did n't do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
After contacting the Securities and Exchange Commision ( SEC ) I was told that XXXX XXXX  XXXX XXXX XXXX, Asset-Backed Pass Through Certificates, XXXX XXXX was delisted and no longer a security. XXXX XXXX XXXX XXXX XXXX, as Trustee for the Registered Holders of XXXX XXXX XXXX XXXX XXXX, Asset-Backed Pass Through Certificates, XXXX XXXX brought a Foreclosure action v. XXXX XXXX XXXX on XX/XX/XXXX. It is still in Court. XXXX XXXX XXXX XXXX XXXX, Holders of XXXX XXXX XXXX XXXX XXXX, Asset-Backed Pass Through Certificates, XXXX XXXX was just granted the right to enforce this mortgage of {$180000.00} on XX/XX/XXXX even though the Security was delisted by the SEC. XXXX XXXX XXXX complaint is that this is an invalid Asset-Backed Security that XXXX XXXX XXXX XXXX has no right to enforce. The Court of Common Pleas in XXXX issued a ruling in favor of myself ( XXXX XXXX XXXX ) in XX/XX/XXXX, and rescinded the refinance.XXXX  committed a Truth in Lending violation at closing in XXXX XXXX properly and timely informed XXXX to rescind the refinance. XXXX XXXX XXXX was given the wrong Right to Cancel Form for this refinance of a previous XXXX XXXX. I would like XXXX XXXX XXXX XXXX XXXX, as Trustee for the Registered Holders of XXXX XXXX XXXX XXXX XXXX, Asset-Backed Pass Through Certificates, XXXX XXXX to be restricted from enforcing this Note on his residence in Pennsylvania. XXXX XXXX XXXX XXXX was fined {$7.00} XXXX dollars in XX/XX/XXXX. {$4.00} XXXX was supposed to be allocated to reducing Principal and their loan Servicer XXXX XXXX  was fined {$2.00} XXXX dollars recently. Neither entity has offered to help homeowners like me reduce Principal on this invalid Security. Your help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: VA

Complaint narrative:
I reached out to Transunion, XXXX, and XXXX several times regarding unauthorized credit accounts, incorrect information, and unauthorized Credit Inquiries in all my 3 Credit Reports. I 've been given the run around with all 3 Transunion, XXXX, and XXXX, and their workers/Supervisors. I reached out also directly to the companies who 's information is listed in my Credit Report. They have me on hold for hours at a time trying to get this resolved. Then im being forwarded again back to the Credit Bureau to resolve the issue. They have a total of 3-6 fraudulent accounts in my report and 15 unauthorized & fraudulent inquiries in my report. I had place a credit fraud alert on my credit reports. And it was apparently useless. Because I was never notified by the Bureaus of these unauthorized accounts and/or inquiries being initiated and opened up in my Reports. Transunion also had a computer glitch. Which they inserted and reinserted these inquiries in my report. Again, I was never notified about this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation