vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: FL

Complaint narrative:
In 2012, while still in the XXXX XXXX and on assignment, my team, the XXXX XXXX XXXX, was scheduled to lodge at the XXXX XXXX in XXXX XXXX Texas while preparing for our unit to go on a XXXX. 

I was the first XXXX to arrive so I checked in ahead of my team. We stayed at the hotel for 30 days on orders and our rooms were XXXX {$100.00} per night, totaling {$3000.00} plus taxes upon checkout. Every XXXXXXXX XXXX  room was supposed to be charged to their respective XXXX XXXX issued credit card. However, when I checked my credit card balance, there was an astounding amount charged to my card for XXXX {$6000.00} plus taxes. I called the hotel to dispute the charges, and was told the additional charges were associated with another XXXX, XXXX XXXX. I spoke with the hotel manager about the unauthorized charges and was told the issue would be handled internally to see where the discrepancies occurred. 

I arrived back to our unit, and financial services processed our card balances through a process called XXXX. My charges for my room were paid because they were valid, leaving a remaining balance from soldier XXXX XXXX room. The Unit Sergeant state the military was not responsible for resolving the billing discrepancies as that was solely the responsibility of the hotel. 

After not hearing back from the hotel, I contacted XXXX XXXX several times and made him aware of the billing discrepancy. XXXX agreed to pay the balance in full via several recorded calls and emails to remedy the issues. However, after many unsuccessful attempts, XXXX changed is contact information and I was never able to contact him again. 

This balance was reported to the credit bureau and I never had access to the card account after this issue. These unauthorized charges are not the result of myself, and the hotel management had ample opportunity to correct the issue caused by their front desk agent on duty. 

I am going o seek legal representation, as well as contact XXXX, and the attorney general about resolution. This account has been reporting negatively on my credit for over 7 years and keeps reappearing. I am NOT responsible for these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In 2012, while still in the XXXX XXXX and on assignment, my team, the XXXX XXXX XXXX, was scheduled to lodge at the XXXX XXXX in XXXX XXXX Texas while preparing for our unit to go on a XXXX. 

I was the first soldier to arrive so I checked in ahead of my team. We stayed at the hotel for 30 days on orders and our rooms were USD {$100.00} per night, totaling {$3000.00} plus taxes upon checkout. Every soldier 's room was supposed to be charged to their respective XXXX XXXX  issued credit card. However, when I checked my credit card balance, there was an astounding amount charged to my card for USD {$6000.00} plus taxes. I called the hotel to dispute the charges, and was told the additional charges were associated with another soldier, XXXX XXXX. I spoke with the hotel manager about the unauthorized charges and was told the issue would be handled internally to see where the discrepancies occurred. 

I arrived back to our unit, and financial services processed our card balances through a process called XXXX. My charges for my room were paid because they were valid, leaving a remaining balance from soldier XXXX XXXX room. The XXXX XXXX state the military was not responsible for resolving the billing discrepancies as that was solely the responsibility of the hotel. 

After not hearing back from the hotel, I contacted XXXX XXXX several times and made him aware of the billing discrepancy. XXXX agreed to pay the balance in full via several recorded calls and emails to remedy the issues. However, after many unsuccessful attempts, XXXX changed is contact information and I was never able to contact him again. 

This balance was reported to the credit bureau and I never had access to the card account after this issue. These unauthorized charges are not the result of myself, and the hotel management had ample opportunity to correct the issue caused by their front desk agent on duty. 

I am going o seek legal representation, as well as contact XXXX, and the attorney general about resolution. This account has been reporting negatively on my credit for over 7 years and keeps reappearing. I am NOT responsible for these charges.

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 2019-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: AL

Complaint narrative:
InXX/XX/XXXX I received a loan from my quick wallet. They sent the payment through to my account, before the funds where available for pay back which caused me a nsf. I called them to see if they were willing to move the date out just one day so that this issue would not happen again. I was disappointed by the disrespect everyone was giving to this matter and they refused to refund me for the nsf fee and to move the payment to the next day. I than contacted the Alabama state banking department. Which they advised me that this company should have never given me a loan, they advised that they are not legally able to give loans in the state of Alabama and that they go after companies like this. We where not able to find an physical address on this company, I was advised because they typically break the rules and wont give out there address to be sued. I was contacted on today XX/XX/XXXXby a very rude gentleman by the name XXXX XXXX if that is his real name he advised that they were indeed not legal to do loans here but can do to travel laws. This indeed does not pertain to the state of Alabama, he also refused to provide a physical address. I advised him to never call my job again and he stated he will still call the number for ever. Then stated he was joking after I confronted what he said. This was pure harassment. I did not appreciate the harassment and the overly rudeness. He also kept threatening about it moving to the next stage could result in an illegal loan being on my 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 2019-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Would like my fraud alerts removed from my credit report

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 2019-10-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Would like my fraud alerts removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I had an online friend ( XXXX ) real name he told me was XXXX for 2 years that scammed me with a money flip scam over the internet. He was very persistent and kept telling me he had a really big job as a XXXX XXXX and he made XXXX every 2 weeks. He recently bought a house with a girlfriend and that's why he needed money for food. He first asked for XXXX he was giving me options and finally we settled through zelle using my XXXX  XXXX XXXX account he got really excited about zelle. I didn't think at the time why zelle but now I found out that zelle unlike XXXX has zero fraud protection. He then said this was my chance to make some big money so I should send as much as I can so then I sent XXXX. He said he would give me XXXX XXXX XXXX on Thursday. Then literally the next day he told me to be a good friend again and send him XXXX dollars so he could take a plane ticket to go see his girlfriend because her mom just had a XXXX XXXX and he wanted to be there for her. He said if I didn't help him with XXXX there was no way he would be able to pay me back but if I did give him the money I got get back XXXX so I thought about it and realized I was already XXXX dollars in with this guy 's scam and was scared because he threatened to not pay me back if I didn't comply so like an XXXX I did again. Right after he scammed me out the money he started avoiding me and blocked my phone number I tried a million times to explain to him that if he needed money he could've just told me and I would've helped him with what I could. But instead he decided to scam me out of all my money and now I feel like an XXXX thinking I could've made XXXX. I tried calling zelle and reporting what happened but they said they can't do anything about it. I tried telling them that I have proof of what he did and they know both or accounts and the proof coincides with the text messages but they want to treat the scam like its not a scam and I just decided to openly give all my money to someone I've never even met with or him using malicious tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XX/XX/XXXX I placed a hold on my TransUnion credit report. I did not unfreeze my report. On XX/XX/XXXX, two new hard inquiries hit my account ( as reported to me by XXXX, a TransUnion product associated with my XXXX account ) which lowered my credit score by 51 points.

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 2019-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: NY

Complaint narrative:
PLEASE INFORM ME TO THE REASON/S WHY THE XXXX XXXX FROM THE YEAR 2006 ACCOUNT IS STILL REFLECTING NEGATIVELY ON MY CREDIT REPORT. AFTER SEVERAL TIMES AT ATTEMPTING TO REMOVE THIS ACCOUNT COMPLETELY FROM CURRENT CREDIT REPORT. YOU HAVE NO IDEA HOW BAD THIS IS AFFECTING THE OVER-ALL HEALTH OF MY CREDIT SCORES. WITH DREAMS AND GOALS THAT I WANT TO ACHIEVE, ALL THE BAD REMARKS ARE REALLY PUTTING A FREEZE ON MY LIFE. WHY IS THIS ACCOUNT STILL REPORTING? NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY.

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 2019-10-25 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: NY

Complaint narrative:
PLEASE INFORM ME TO THE REASON/S WHY THE XXXX XXXX FROM THE YEAR 2006 ACCOUNT IS STILL REFLECTING NEGATIVELY ON MY CREDIT REPORT. AFTER SEVERAL TIMES AT ATTEMPTING TO REMOVE THIS ACCOUNT COMPLETELY FROM CURRENT CREDIT REPORT. YOU HAVE NO IDEA HOW BAD THIS IS AFFECTING THE OVER-ALL HEALTH OF MY CREDIT SCORES. WITH DREAMS AND GOALS THAT I WANT TO ACHIEVE, ALL THE BAD REMARKS ARE REALLY PUTTING A FREEZE ON MY LIFE. WHY IS THIS ACCOUNT STILL REPORTING? NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY.

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 2019-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Webcollex, LLC
State: TN

Complaint narrative:
a credit card and a few other accounts were opened by my x wife with out my consent. i have received multiple letters and phone calls from XXXX XXXX  XXXX regarding a account that i did not open or have knowledge of. after explaining this several times i stopped answering there phone calls as i got no were with them and there only concern was to collect a debt i did not owe them. now a collection company named cks financial has began to harass me non stop from multiple numbers and even restricted numbers. there extremely rude and threatening and demand money which i do not owe. a letter to stop harassment was sent to XXXX XXXX  XXXX along with a identity theft report FTC report number XXXX even with this both company 's still violate the law and keep harassment daily up too 12 times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
So i am getting calls about a Navient Settlement from a XXXX XXXX. She is claiming that they have Student Loan forgiveness options. Told me to call XXXX. Provided me with a validation code. I don't have any documents, however i do still have the voicemail they left. Not entirely sure how i would get that to you. These things keep happening and somehow they have my information. I am displeased and have reason to believe that Navient either has a security leak or they are selling my information. On researching my options, reporting this to the CFPB was the best offered solution. Any other suggestions or a course of action would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: GA

Complaint narrative:
There is a line item reporting on my XXXX credit report. This item is hurting my ability to obtain a mortgage loan. I sent XXXX XXXX and Experian a letter including a letter from the child support agency to have the item removed from my credit report. XXXX   promptly removed the item from my report. XXXX said this item was " verified ''. How can this be verified when I sent in the letter?

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 2019-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
On XX/XX/19, I uploaded my utility bill to show the correct address. I called today ( XX/XX/19 ) and the address was not corrected after Id been informed it would take 5-7 business days. They had never sent me my debit card to my address. I called and the representative would not assist and kept asking me if I was recording this call. Then I was placed on hold for 10 minutes and finally I hung up. I then tried calling again and they kept rerouting my call to an automated answering service not allowing me any contact with a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: FL

Complaint narrative:
I discovered an issue with my credit report back on XXXX. I have called TransUnion over 7 times since then and have spoken with ( XXXX, XXXX, XXXX, XXXX, XXXX, and a few others whose names I did not get. TransUnion had hung up on me multiple times with no real help. TransUnion is the only credit bureau to claim I owe {$1700.00} in student loans. When I contacted DEPT OF ED / XXXX to inquire if there were any loans in my name they assured me back on XXXX that was not true. According to the DEPT OF ED / XXXX my account was reported closed ( PAID IN FULL ) on XX/XX/2017. Not only had DEPT OF ED / XXXX assured me that my account was closed but that they had not received anything from TransUnion in regards to a dispute or anything. On XXXX at XXXX XXXX  DEPT OF ED / XXXX said that since they had not received anything but they would send something to TransUnion letting them know that I was paid in full as of XX/XX/2017 and it should be taken care of by that FridayXXXX at XXXX I checked my credit score and nothing had changed, when I called TransUnion I got no more information. XXXX ( the last person I spoke to ) could only tell me that they had sent a dispute to DEPT OF ED / XXXX and they are waiting for them to reply. When I had informed him that on XXXX at XXXX XXXX the DEPT OF ED / XXXX had sent them a dispute on my behalf XXXX proceded to only tell me they sent a dispute to DEPT OF ED / XXXX and they were waiting for them to respond.

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 2019-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Solutions, Inc.
State: MO

Complaint narrative:
My husband and I owed XXXX XXXX medical bills and some of it were sent to the collections agency RECEIVABLE SOLUTIONS. In both patients, we had XXXX   auto-debit our bank account. On my account, I have Receivable Solutions auto-debit my bank account. My husband 's collection agency amount was not on auto-debit nor was it being paid because XXXX XXXX told him not to worry about it for now and not to pay it. Our medical bills go back late XXXX to XXXX. In any case, on XX/XX/XXXX, I went online to pay ALL OF WHAT WE OWE XXXX XXXX - both my husband 's and mine. Then, on XX/XX/XXXX, I called Receivable Solutions directly and asked for the grand total of his account and how much longer did we have to pay for it. I do not remember the actual figure but it was not {$900.00}, it was less. I was told that if I pay right then and there, that they were going to give me a 20 % discount and it totaled to {$700.00}. I PAID IT and I kept asking the person if I owe anymore for his account and I was assured that ALL WAS PAID OFF. Today, XX/XX/XXXX, I go to see my husband 's XXXX XXXX online account was showing that we still owe Receivable Solutions {$230.00}. I called them right away and I was even told that the actual amount we owe them still was {$760.00}! That they made a mistake and missed an account ( charges )! Meanwhile, we had received NO documentation, NO communication from them about it. It was a surprise. And furthermore, to my horror, they did the same thing with my account with them! After I fully paid my husband 's amount that we owe them, I next fully paid mine. And my XXXX XXXX online account today was showing that I still owe them money! It is ridiculous! We received NO CALLS, NO COMMUNICATIONS, NO DOCUMENTATION of said " mistakes. '' Please help us. We are good payers and we are regular hard-working people. I believe Receivable Solutions is scamming us. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: PR

Complaint narrative:
I am victim of identity theft and fraudulent information had been reported by XXXX XXXX and XXXX XXXX XXXX XXXX for the amount of {$1600.00}. This negligent action has severely damage my credit score. ( My credit score was 820+ before this incident ).

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 2019-10-25 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: ZWICKER & ASSOCIATES
State: AR

Complaint narrative:
LAST CHANCE TO DO THE RIGHT THING AND HAVE ZICKER AND ASSOCIATES VACATE BOTH JUDGEMENTS. ALL DEBTS HAVE BEEN DISCHARGED VIA CHATER XXXX BANKRUPTCY. CASE XXXX

Company response to consumer: Closed with explanation