vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was sued and a judgement for a 17 year old credit card debt was entered against and they sent the summons to an address that I haven't ever lived at. It was my sister 's old address and a summons was never served there for either of those court dates. My sister said that someone came there in early XX/XX/XXXX and asked if I lived there and she told them that I do not live there and they left. This company was able to locate my current work address for a garnishment order so they should have been able to locate my current address because it's on my credit report and they purposely stated that they sent a summons to the wrong address and I haven't seen proof that someone even signed for that summons. I don't remember this debt and don't feel that I have been able to fairly answer to this. Also if it's 17 years old can I be sued over this? I called the court and they said a judgement was entered against me in XX/XX/XXXX for XXXX and renewed on XX/XX/XXXX and was for XXXX plus XXXX in interest totalling XXXX but I have no knowledge of either of these judgments and the reason I am finding out about this is because a garnishment order was sent to my employer and they informed me. Is there anything I can do to stop this or get this resolved without being garnished. Were my legal rights violated? Wouldn't XX/XX/XXXX even be past the statute of limitations if this debt is 17 years old? I only have 14 days to figure this out according to the court papers. Did this company break a law by not serving me correctly? I called the attorney on this and she said that nothing can be done and they do whatever they need to do to collect this debt. I don't even know if this debt is truly mine. I would like to know my legal rights regarding this. I just found out recently that an ex wife that I've been divorced from for several years still has a credit card with my name on it and I shouldn't be responsible if I didn't create the debt but with such limited information I can't defend myself on this. The only information I have is that the debt is 17 years old and that this company went to court without properly notifying me twice and a judgement against me was made and now I'm being garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: FL

Complaint narrative:
I advised Transunion that I was a victim of the inquiry issue and I want to dispute a inquiry in question ; Account Name : Certified Mortgage P via Certified Credit Reporting Address:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX Phone number : XXXX Requested on XX/XX/2017 The agent advised that she could not help me. 

I would like the inquiry in question verified and deleted promptly.

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 2019-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I believe that my personal info has been compromised and used to obtain credit cards and loans of such sort I was advised to submit these forms in order to get these issues resolved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: NJ

Complaint narrative:
I believe that my personal info has been compromised and used to obtain credit cards and loans of such sort I was advised to submit these forms in order to get these issues resolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Credit bureau is reporting inaccurate information on my credit report. I have no contract with this credit at all. The creditor is trying to collect on a debt that has already been paid to the original creditor by my insurance company. The creditor can not provide any verification to me having a valid debt with their company. Also reporting is a collection that I have no contract with this credit in the medical field.

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 2019-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CHECK INTO CASH INC.
State: AL

Complaint narrative:
I notified Check into Cash I was unemployed and was unable to pay at this time. After sending a revocation of account debit 2 times to the company, they still pulled the full amount of {$580.00} out of my account on XX/XX/19 which in turn has caused serious financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I received notice from XXXX XXXX of a fraudulent credit application based upon data provided by Experian. I tired to freeze my credit report and they will only freeze my account based upon a cumbersome certified mail process. The will however lock the account for a substantial monthly fee.

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 2019-02-18 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: GA

Complaint narrative:
Having an issue with this XXXX XXXX XXXX XXXX Act. # XXXX on my credit profile. I have sent over multiple documents stating that the account doesnt belong to me & proof showing that the account is fraudulent. However I havent gotten any paperwork with my signature on it. After requesting numerous times. Please help me! This account should be blocked & removed from my credit report for it is inaccurate & its preventing me from progressing in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: Nelnet, Inc.
State: LA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX/NELNET Opened Date XX/XX/2009 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX/NELNET was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: Nelnet, Inc.
State: LA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX/NELNET Opened Date XX/XX/2009 which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX/NELNET was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Hampton & Hampton Collections LLC
State: SD

Complaint narrative:
I am not sure how or what this company did to have the right to with draw money from my account when I had no services through XXXX XXXX XXXX XX/XX/2019 $ XXXX $ XXXX {$40.00} Thank you

Company response to consumer: Untimely response
Consumer complaint received 2019-02-18 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: Paramount Recovery Systems, L.P.
State: LA

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account PARAMOUNT RECOVERY SYSTEMS Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that PARAMOUNT RECOVERY SYSTEMS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
This is with Commonwealth financial system for {$1300.00} this not my debit and am not paying for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Falls Collection Service Inc.
State: WI

Complaint narrative:
I'm a victim of identity theft. I recently viewed my credit report and I noticed that false inaccurate debt was listed from multiple collection agencies. I reached out to different collection agencies regarding this issue. According to the FDCPA I'm required to receive all original documents of debt that is claimed to belong to me. Unfortunately, I was not given that privilege which resulted in me filing this complaint. My goal is to resolve these issue, fix these errors and hopefully get all debt collection items removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Account Control Technology, Inc.
State: CA

Complaint narrative:
On XX/XX/19, Id found out I allegedly had an outstanding federal student loan owing an estimated $ XXXX so I requested paperwork and proof of the loan before I considered even setting up any type of payment plan with them. I asked for them to send me the paperwork and two people at ACT pushed  me to give my bank account information prior to reviewing paperwork. After Id confirmed my physical address with them and phone number, I asked to please wait until XX/XX/19 and that after reviewing everything if everything was accurate, Id call back and set up a payment then. I was given XXXX number : XXXX and said Id call him at around XXXX PT. On XX/XX/19, Id received a call at XXXX PT from XXXX with no message left. This has been recorded on my phone with a screenshot.

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 2019-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PREFERRED CREDIT INC
State: NV

Complaint narrative:
I had contacted Preferred Credit multiple times to resolve the issue of my debt and paid off the amount that they said I owed. The last statement that was given to me was invalid along with repeat phone calls from company stating that I owe them more then what I have already paid to them in full. 

The company continuously kept calling me 4-7 times a day unlimited with no detailed message or a appropriate phone voicemail. I repeatly had asked them to provide me with the correct amount that needed to be paid but all they keep on doing is trying to argue with me and make matters worse. I asked them to cancel the card on file that should of been cancelled 3 years ago but nothing. Everyday I been getting phone calls from different people stating that I owe more then what I was told. When trying to settle the problem the company customer service or representative starts to make assumptions and argue with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I applied for bankruptcy and filled but as I filled I paid off all things before submitting and they still said I went through bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I applied for bankruptcy and filled but as I filled I paid off all things before submitting and they still said I went through bankruptcy.

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 2019-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX called me 81 times in one day on XX/XX/19.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XX/XX/2018, I rented a car from XXXX XXXX XXXX XXXX at XXXX airport,  Florida. The man that worked with me didn't mention or offer toll road charge prior to my rental. It was my first time being in the state of Florida so I didn't know anything about toll road. Nothing in the paperwork that I signed that state about the toll fee charge. I received the car and drove out and got on the way to where I wanted to go. I saw a XXXX sticker on the inside of the windshield on the driver 's side. I just thought that it was good to use since nothing was mentioned during the paperwork. I drove the car for the total of 3 days. I returned it on XX/XX/2018. At that time, they didn't even mention or ask anything about the toll charge. Until 2-3 weeks later, I received mails stating that I have to pay the toll fees, which I had no clue that I need to pay for. XXXX XXXX XXXX XXXX charged my bank account by the amount they claimed that I owned them. My bank thought it was a fraud because I live in California and the payment was charge outside California, so they void my credit card as fraud, and is was the reason that XXXX XXXX XXXX XXXX is trying to reach me through XXXX XXXX XXXX to collect the money as debt. As a customer, I need to know what fee XXXX XXXX XXXX XXXX will charge me other than the car rental fee. I will not pay anything until I have the answer from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XX/XX/2018, used XXXX to get a free credit report. I filled out the required form and selected TransUnion where I was redirected to the TransUnion website. I expected the free credit report link to be clearly identified, but instead it had an article on credit reports and sales pitches for other services such as " absolutely free '' XXXX. It was unclear which button, if any, would lead to the free credit report. I clicked on a couple of buttons and both led to a form page. After chasing links, I decided to fill in the form page information to see where it would lead ... hopefully to the free credit report. I provided required information including social security number and credit card information. The site said personal credit information is required for identity confirmation only. Then I was required to click an " I agree '' button with no mention of fees, that I hoped would lead to my free credit report. Instead I received a message about being billed {$19.00}. I tried to backtrack, delete, cancel, etc., to no avail. Now TransUnion is withdrawing {$19.00} from my bank account every month. I called the telephone number associated with the charge on my bank statement. The representative said the charge was for TransUnion membership. I did not knowingly authorize this charge. 

I found TransUnion 's website information to be deceptive. Because they deal with sensitive credit information, I mistakenly assumed TransUnion would be forthright in their business dealings. However, credit reporting companies are for-profit entities and as with any company, that sometimes includes questionable business practices, or at least clever marketing tools that mislead trusting consumers. 

TransUnion should be clear about fees associated with all services and tell their potential clients that the button they are about to click will charge a fee to their credit card or bank account. They also need to clearly describe how to cancel their services. There should be no surprises when transacting business with a credit reporting company such as TransUnion.

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 2019-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
XX/XX/2019 Paid monthly payment of {$410.00} to One Main Financial. Charged {$400.00} Interest and Fees and {$7.00} principal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-18 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Booked travel tickets on a Monday thought they were booked. The following Sunday I tried to login thru the airlines no record of them. Called chase they said must have been a computer glitch. Talk to supervisor XXXX was going to added the extra points on since flights have went up.XXXX  asked me to send a pics of what the originally price was. So I went to my browsing history where I thought they were purchased and sent the email to her. XXXX hung up on me after getting all the booking info. Called back to be on hold for a good hour thank XXXX the lady was patience because we got another supervisor name XXXX on the line that hung up before being fully transferred. Waited another 20 mins to get transferred to XXXX who couldn't do anything and told me it was my fault. I ended up talking to a agent in customer service and said they couldn't do anything either even tho is was a computer glitch on there end and that a supervisor gave out bad information. So I ended up canceling both of my credit cards with them. Good luck. If you look at all there reviews not the best credit card to go with anyway. 

The tickets were originally XXXX for two tickets. I had XXXX points was going to use them all and paid the difference of XXXX. 
Now they are XXXX. So I ended up using all my points and then paying the difference of {$370.00} and XXXX Pt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from LUNV FUNDING in XXXX of 2017 in the amount of {$280.00}. First and foremost, I have confirmed that the debt collector, LUNV FUNDINGis not licensed in the state of Texas to collect on this debt. Secondly, LUNV FUNDING violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to LUNV FUNDING? I have never heard of them, have no written contract with them and have never received any benefits from them, yet LUNV FUNDING has submitted negative information to all three credit reporting agencies ( XXXX, XXXX and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$230.00}.

Company response to consumer: Closed with explanation