vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a XXXX XXXX XXXX XXXX  veteran living on a fixed income, i am also in the process of attending college to complete my XXXX degree. All three credit reporting companies report different AMOUNTS different OPEN DATE incomplete account number and ORIGINAL CREDITOR XXXX XXXX XXXX   XXXX XXXX, I bank with XXXX and XXXX XXXX XXXX PRIOR TO XXXX. I have never had an account with XXXX XXXX XXXX. I contacted Capital One and they have confirmed that I XXXX XXXX XXXX have never had an account with them and Capital One does not know why XXXX XXXX XXXX XXXX IS REPORTING TO THE CREDIT REPORTING AGENCY. i HAVE CONTACTED XXXX XXXX AND THEY HAVE NO INFORMATION, ONLY ASK ME TO PAY. WHEN I ASK FOR PROOF THAT THIS IS MY ACCOUNT XXXX XXXXXXXX XXXX DISCONNECT THE CALL. i HAVE WRITTEN LETTERS AND HAVE NEVER RECEIVED A REPLY. MY CREDIT REPORT SPEAKS FOR IT SELF I DO NOT USE CREDIT, I HAVE A XXXX  CREDIT CARD WITH XXXX {$1000.00} LIMIT AND ITS ALWAYS PAID I DO NOT AND HAVE NOT HAD ANY OTHER CREDIT CARDS OR ACCOUNTS WITH ANY OTHER LENDING INSTITUTION OVER THE COURSE OF THE PAST 7 YEARS EXCEPT FOR XXXX. I REQUEST PROOF THAT THIS AMOUNT OWED IS MINE THERE MUST BE SOMETHING WITH MY SIGNATURE ON IT. TO OPEN AN ACCOUNT ONE MUST SHOW IDENTIFICATION ANY PROOF THAT THIS IS MINE. I AM A XXXX XXXX VETERAN LIVING ON A FIXED INCOME, I AM VERY TIGHT WITH MY MONEY I WOULD NEVER HAVE ANY ACCOUNT WITH ANY OTHER LENDING INSTITUTION BECAUSE XXXX TAKES CARE OF ALL MY BANKING AND CREDIT NEEDS. HOW CAN THIS BE. NO PROOF AND DIFFERENT INFORMATION REPORTED TO ALL THREE CREDIT REPORTING AGENCIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: Convergent Resources, Inc.
State: ID

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ditech Financial LLC
State: PA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-04-23 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: ProCollect, Inc.
State: OK

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
This bunch of idiots with the IQ of 30 does not understand English. They have called me 16 times in the past four days including phone calls as late as XXXX at night. The debt they are claiming was turned over to a debt settlement company. I informed them of this and they told me they did not care. The debt settlement company also informed them of their involvement and obviously they did not care because they kept on calling.

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 2018-04-23 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: NY

Complaint narrative:
My identity was stolen and someone use my information to opened number of account 's in my name it's causing me too much stress with my wife XXXX, XXXX. 
Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1500.00} Balance Updated - Credit Limit - Past Due Amount {$1500.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXXXXXX, XXXX, IL XXXX Ownership Individual Original Creditor XXXX XXXX XXXX Company Sold-to - Original Amount {$1500.00} Comments - DISPUTE GUIDEPRINT XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$180.00} Balance Updated - Credit Limit - Past Due Amount {$180.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$180.00} XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$900.00} Balance Updated - Credit Limit - Past Due Amount {$900.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$900.00} Comments -

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 2018-04-23 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: NY

Complaint narrative:
My identity was stolen and someone use my information to opened number of account 's in my name it's causing me too much stress with my wife XXXX, XXXX. 
Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1500.00} Balance Updated - Credit Limit - Past Due Amount {$1500.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX  XXXX, XXXX, IL XXXX Ownership Individual Original Creditor XXXX XXXX XXXX XXXXompany Sold-to - Original Amount {$1500.00} Comments - DISPUTE GUIDEPRINT XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$180.00} Balance Updated - Credit Limit - Past Due Amount {$180.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$180.00} XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$900.00} Balance Updated - Credit Limit - Past Due Amount {$900.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$900.00} Comments -

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 2018-04-23 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: NY

Complaint narrative:
My identity was stolen and someone use my information to opened number of account 's in my name it's causing me too much stress with my wife XXXX, XXXX. 
Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1500.00} Balance Updated - Credit Limit - Past Due Amount {$1500.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXXXXXX, XXXX, IL XXXX Ownership Individual Original Creditor XXXX XXXX XXXX Company Sold-to - Original Amount {$1500.00} Comments - DISPUTE GUIDEPRINT XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$180.00} Balance Updated - Credit Limit - Past Due Amount {$180.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$180.00} XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$900.00} Balance Updated - Credit Limit - Past Due Amount {$900.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$900.00} Comments -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23 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: NY

Complaint narrative:
this account on my credit was never late. 

XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms M 51M Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current Status Updated XX/XX/XXXX Balance {$14000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance {$31000.00} Monthly Payment {$800.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NJ XXXX Ownership Individual Account Original Creditor - Company Sold-to - Original Amount - Comments FIXED RATE Payment History

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 2018-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In XX/XX/XXXX, I received a notification from the credit bureau that my credit line on my XXXX XXXX card decreased from {$460.00} to {$240.00}. This is the second time my credit line decrease without me being notified by the store. I have noticed a pattern in their activity. Whenever I pay my bill down they subsequently reduce the credit line to the new balance as if they at gradually trying to close my account. Im ni sire why. My credit score is higher now then it was when I initially got approved. My male counterpart is a XXXX male we started out with the same credit line- he pays just as I do because I pay the bills and there has been no change in his credit line. Also they never send notifications as to why- when I call they read me the statement but somehow the physical letter never reached my home address. Of the typical price range of products is $ 60-200, what are they conveying my purchase power is only to buy one item based on demographics, race, age etc? I want to know why and I do not want a generalized answer because that will not suffice.

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 2018-04-23 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: NY

Complaint narrative:
this account on my credit was never late. 

XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms M 51M Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current Status Updated XX/XX/XXXX Balance {$14000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance {$31000.00} Monthly Payment {$800.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NJ XXXX Ownership Individual Account Original Creditor - Company Sold-to - Original Amount - Comments FIXED RATE Payment History

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 2018-04-23 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: NY

Complaint narrative:
I didn't authorize any company to open my credit report please have this credit increase removed immediately XXXXXXXX XXXX XXXXXXXX. 
Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, Used Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX. 
Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Personal Loan Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type All Banks Phone Number MAIL ONLY Address XXXX XXXX XXXX  XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Telephone Companies Phone Number MAIL ONLY Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-NY Date Filed XX/XX/XXXX Type Telephone Companies Phone Number ( XXXX ) XXXX Address 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 2018-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: SC

Complaint narrative:
I have filed multiple complaints with the Consumer Financial Protection Bureau and have secured legal counsel. To date, only part of my complaint has been rectified. Big Picture Loans chooses to ignore the second part of my complaint. Should it not be addressed and remedied to my satisfaction, I will continue down the path of seeking legal action. Big Picture Loans is already being sued by several parties. One such suits is as follows : Plaintiffs, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX in the United States district court for the XXXX district of Virginia XXXX Division Case involves a criminal enterprise that was established with the intent of evading state usury laws. In an apparent attempt to insulate themselves from any legal liability, Defendants established what is commonly referred to as a rent-a-tribe business model, where a payday lending scheme associates with a Native American tribe in an attempt to cloak itself in the privileges and immunities enjoyed by the tribeor to at least create the illusion that it enjoys tribal immunity. Under the rent-a-tribe model, Defendants made high interest loans in the name of Big Picture Loans , LLC ( Big Picture Loans ), which claim to be owned and operated by the Tribe. In reality, XXXXXXXX XXXX, XXXX XXXX, XXXX ( XXXX XXXX ), funded the loans, controlled the underwriting, and handled the day-to-day operations of the business. In return for the use of its name, the Tribe received 2 % of the revenue but otherwise the Tribe had no control over the income or expenses of Big Picture Loans. I took out an installment loan with Big Picture Loans for {$1500.00} in XX/XX/XXXX. To date, I have made 12 payments for {$290.00} totaling {$3500.00}, more than double the amount of the loan. I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. I have submitted a screen shot of that information with each complaint. 57.35 % of {$1500.00} is {$860.00}. {$1500.00} plus {$860.00} equals {$2300.00} yet BPL has collected a total of {$3500.00} from me so {$1100.00} more than the amount I should have repaid. As ofXX/XX/XXXX, BPL closed my account and marked it as paid in full. While I am satisfied my account has been marked " Paid in Full '', I would like {$1100.00} in overpayments returned to me. BPL fraudulently collected {$1100.00} in overcharged interest. BPL is predatory and illegal it would appear. I demand BPL immediately refund by direct deposit {$1100.00}. I have emailed BPL over a dozen times with no response. I will continue to file complaints and pursue legal action until this is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Lending Club Corp
State: NY

Complaint narrative:
I find myself in this position with this bank regularly. I feel the bank is holding the payment as long as possible. I sent out payments to multiple creditors on the same day and they have all cleared my account except this one. Its not a day or two difference its over a week and almost two. In the past the lender blamed the post office even though my other mentioned creditors are further away and not experiencing the same issues. I feel this practice is done purposely to inhibit prepayment and to keep the clock ticking on the interest until the last possible day. I feel this is an infringment on my right to prepayment without penalty and is a deliberate action of the institution. The bank is Lending Club. Their address is XXXX XXXX XXXX XXXX Texas and my account # is XXXX

Company response to consumer: Closed with explanation