vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-10 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: Credit Bureau of Council Bluffs, Inc DBA Credit Information Systems
State: NV

Complaint narrative:
XX/XX/2017 Credit systems info Hard inquiry on all three credit reports never authorized to run my credit and have never heard of that company. 

XX/XX/2017 XXXX XXXX Hard inquiry on all three credit reports never authorized to run my credit and have never heard of that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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 — Investigation took more than 30 days
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I HAVE PAID MY CAR NOTES ON TIME EVERY MONTH THE LOAN COMPANY IS REPORTING 5 MONTSH OF DELINQUENCY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: AE

Complaint narrative:
I received a letter from Chase lending services that said I requested not to ever have credit consideration. I NEVER did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
XXXX XXXX XXXX & XXXX XXXX  XXXX is saying I owe this debt, but I DO NOT owe it. 
I was victim of of identity of ID theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I HAVE PAID MY CAR NOTES ON TIME EVERY MONTH THE LOAN COMPANY IS REPORTING 5 MONTSH OF DELINQUENCY.

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 2018-10-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tribal Lending Enterprise, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX & XXXX XXXX XXXX is saying I owe this debt, but I DO NOT owe it. 
I was victim of of identity of ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
my account was used to online and i dispute the claim and the bank is denied my claim when i file the police report still dont want to help me to get my money back to my account the amount XXXX iam a victim of identity theif i did not made this charge im requesting the charge need to put back to my account that any finance and other charges relates to the fraudulent amount be cretdited as well and that i receive an accurrate statement

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: CA

Complaint narrative:
THIS COMPANY IS REPORTING THAT I AM DELEQUENT ON MY PAYMENTS, THIS IS FALSE INFORMATION. I HAVE TRIED TO ADDRESS THIS ISSUE WITH THE COMPANY BUT THEY HAVE NOT RESLOVED THE ISSUE, AFTER SEVERAL ATTEMPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MO

Complaint narrative:
I have tried several time to discuss this information with company. I have no information to give company when asked. I have tried several times/years to get the information removed from credit. I have never had a cell phone other than the one that I have from the free service. I am home bound and have a landline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10 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: CA

Complaint narrative:
THIS COMPANY IS REPORTING THAT MY PAYMENTS ARE DELINQUENT BY A FEW MONTHS THIS INFORMATION IS NOT TRUE.

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 2018-10-10 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 recently submitted a request for investigation of an unverified account, which they refused. I submitted enough information to carry out a reasonable investigation of my dispute, since they obviously did not investigate this account thoroughly enough the last time I submitted one.

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 2018-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: First Technology Federal Credit Union
State: TX

Complaint narrative:
On XX/XX/2018 I reported a fraud to First Tech Federal Credit Union that was perpetrated using my identity. A credit card was issued by First Tech Federal Credit Union to someone other than me without my knowledge or consent, and then two {$10000.00} cash advances were made against this card. I discovered this when I received a credit card statement for the fraudulent card and immediately reported it to First Tech Federal Credit Union, the Federal Trade Commission ( report # XXXX ), my local police department ( XXXX Police Report # XXXX ) as well as the XXXX Oregon police department ( where I was told I had to report it to my local police department ), and XXXX ( report # XXXX ). First Tech Federal Credit Union said it would take up to 72 hours for someone from their fraud department to call me. Not having had any calls from them, I followed up XX/XX/XXXX. I was again told someone would call me. I have not heard from anyone since then. Yesterday I received a letter from First Tech Federal Credit Union stating that I needed to immediately pay {$400.00}. I called them again today ( XX/XX/XXXX ) and was told, again, that someone would call me back. I have been unable to speak to anyone in the fraud department in the 6 weeks since I reported the fraud and there has been no action taken on my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I have never done business with Ad Astra Recovery Services. I do not have a signed contract with Ad Astra Recovery Services. I am not liable for this debt from XXXX. On XX/XX/2018 I contacted Ad Astra Recovery Services asking for a proper debt validation. Ad Astra Recovery Services failed to complete this request. Ad Astra has had ample time to validate this debt. An alleged e-bill does not meet FRCA requirements for validation. If Ad Astra Recovery Services can not produce a signed contract from me acknowledging that I have in fact done business with them and am liable for this debt, which is proper validation, then they must remove their erroneous trade from my credit report at once. Inserting erroneous information onto a credit report is a FRCA violation that is liable for payouts starting at {$1000.00} if pursued. Ad Astra Recovery Seevices INC does not have permission to contact me by phone, e-mail, or US mail. All communication must remain in the CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: RI

Complaint narrative:
From the month of XXXX I have been paying XXXX XXXX dollars every two weeks and expecting to end last payment XX/XX/XXXX talking interest on XXXX loan said 13 weeks loan payback with interest. Is this legal a tribal place runs it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
I have never done business with Monterey Collections. I do not have a signed contract with Monterey Collections. I am not liable for this debt from XXXX XXXX. On XX/XX/2018 I contacted Monterey Collections asking for a proper debt validation. I also contacted Monterey Collections on XX/XX/2018 asking for proper debt validation. Monterey Collections failed to complete this request with a proper debt validation. An alleged e-bill does not meet FRCA requirements for validation. Monterey Collections has had ample time to produce a proper debt validation. If Monterey Collections can not immediately produce a signed contract from me acknowledging that I have in fact done business with them and am liable for this debt, which is proper validation, then they must remove their erroneous trade from my credit report at once. Inserting erroneous information onto a credit report is a FRCA violation that is liable for payouts starting at {$1000.00} if pursued. Monterey Collections does not have permission to contact me by email, phone, or US mail. All communication is to be done through this CFPB portal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
After departing the apartment complex where I used to live, XXXX at XXXX XXXX in XXXX, Ca., the move-out balance on my account was reported to XXXX XXXX XXXX, a Collection Agency, unfairly and inaccurately by XXXX XXXX XXXX XXXX . I was given false direction, in writing, by the XXXXXXXX XXXX manager at the time, XXXX XXXX, on an alternate method to terminate my lease, which was supposedly coordinated with XXXX XXXX Attorneys ( XXXX XXXX is XXXX 's management company ). After a couple months of following XXXX guidance on how to adequately terminate my lease, he was terminated from XXXXXXXX XXXX without my knowledge, the alternate option that he had proposed to get out of my lease was not honored, and I was charged {$4800.00} by XXXX XXXX XXXX XXXX, which is significantly more than what I really owed for my final statement. After numerous attempts to resolve this matter with XXXX XXXX ( phone calls were never answered, voice messages were never returned ), I communicated with XXXX XXXX XXXX  and paid them {$2000.00} ( C.N XXXX ), which is what I believed I owed XXXX XXXX / XXXX XXXX. I was told by XXXX XXXX XXXX ( XXXX was the representatives name ) that by paying the {$2000.00} amount, they would turn off credit reporting and investigate my account further, but this turned out to be false. XXXX XXXX still reported my outstanding balance to all credit agencies despite its inaccuracy and it now shows as delinquent on my credit report and my wifes. This is unfair collection practices by XXXX XXXX since they didn't bother to verify the accuracy of the information given to them by XXXX XXXX after I had inquired and complained about the inaccuracy of my final statement. 

The attached documents contain a full description of the story, with exact dates, amount owed, and actions taken.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2018 I used my American Express Serve card to issue a check payment for {$1300.00} for the payment of my nephew 's rent. American Express Serve then stated via their website that the payment would be mailed out on XX/XX/18 and that the payment was guaranteed to arrive on XX/XX/18. On XX/XX/18 I received a phone call from my nephew 's landlord and she stated that the rent check was not received as of XX/XX/18 and since then I have spoken with her two additional times and as of XX/XX/18, no payment had been received by her. On XX/XX/18 I called American Express served I requested they place a stop-payment on the rent check and issue a credit to my Serve account. They initially stated on XX/XX/18 that my account would be credit on XX/XX/18, on the XX/XX/XXXX I called American Express Serve to tell them my account was not credited, they then said I would be credited in 10 Business days or up to 45 days. Every time I call they tell me a different estimate of when I will receive my money back, even though the check they mailed out has never been received or cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has been escrowing my account for Texas Wind and Strom Insurance ... where I had no Texas Wind and Storm Insurance since XX/XX/2017..I was told my insurance company ... so Wells Fargo not only XXXX me for the money they collected for taxes ... where I told them and sent documentations that you can't charge me for taxes..I 'm XXXX percent XXXX XXXX XXXX Veteran ... no they took it upon themselves to escrow the Texas Storm and Wind insurance where there was nothing there to escrow ... it's called embezzeling..and fraud ...

I've called them..and this people play stupid ... I'm tired of it..dealing with idiots ...

I paid for my Texas Wind and Storm Insurance where they can't take it out in escrow ... at the tune of {$1700.00} dollars ... My insurance company is XXXX ask for XXXX she is in charge of that insurance ...

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 2018-10-10 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: CA

Complaint narrative:
For a very Long time I have tried to get equifax to stop reporting the wrong payment history and wrong status on two accounts that have been closed for more than a year now.

Equifax has failed to do the proper due sole hence in realizing the at I have my child and the two accounts in question have been paid and should be removed from my credit report imedialty just a ms the other credit companies have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: ADIR INTERNATIONAL LLC
State: NV

Complaint narrative:
XX/XX/2017 XXXX XXXX info Hard inquiry on all three credit reports never authorized to run my credit and have never heard of that company. 

XX/XX/2017 XXXX XXXX Hard inquiry on all three credit reports never authorized to run my credit and have never heard of that company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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 recently submitted a request for investigation of an unverified account, which they refused. I submitted enough information to carry out a reasonable investigation of my dispute, since they obviously did not investigate this account thoroughly enough the last time I submitted one.

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 2018-10-10 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 recently submitted a request for investigation of an unverified account, which they refused. I submitted enough information to carry out a reasonable investigation of my dispute, since they obviously did not investigate this account thoroughly enough the last time I submitted one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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:
I've been denied credit because of this erroneous information, the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX were not paid late.. I monitor my bills and make sure to pay these accounts on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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:
I've been denied credit because of this erroneous information, the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX were not paid late.. I monitor my bills and make sure to pay these accounts on time.

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 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
on XX/XX/18 at XXXX I tried to get my credit scores from trans union and XXXX.

trans union link directed me several " security questions '' and after that to a pay website where I need to give my credit card to get the score. I declined.

XXXX website link directed me several security questions that were vague and used wording like bank card instead of credit card to mislead. After that step the website just prompted that they can not give me the score online and that I can only do it via regular mail, where I need to fill out an attached form along with the Social Security card Pay stub with Social Security number, W2 Form, Driver 's License, Rental or lease agreement/house deed, Pay stub with address, Utility bill ( gas, electric, water, cable, residential telephone bills ).

it looks like these companies go to great lengths to get money from the customers that need their own credit score.

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 2018-10-10 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:
I've been denied credit because of this erroneous information, the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX were not paid late.. I monitor my bills and make sure to pay these accounts on time.

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 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
on XX/XX/18 at XXXX I tried to get my credit scores from XXXX XXXX and equifax. 
XXXX XXXX link directed me several " security questions '' and after that to a pay website where I need to give my credit card to get the score. I declined. 
equifax website link directed me several security questions that were vague and used wording like bank card instead of credit card to mislead. After that step the website just prompted that they can not give me the score online and that I can only do it via regular mail, where I need to fill out an attached form along with the Social Security card Pay stub with Social Security number, W2 Form, Driver 's License, Rental or lease agreement/house deed, Pay stub with address, Utility bill ( gas, electric, water, cable, residential telephone bills ). 

it looks like these companies go to great lengths to get money from the customers that need their own credit score.

Company response to consumer: Closed with explanation