vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-21 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: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
On XX/XX/XXXX I was sent an alert from my financial institution my checking and savings accounts had been wiped clean. I learned it was done by a debt collection company based out of XXXX, NY with offices in state I reside New Jersey. Pressler and Pressler was the company, I phoned and was told a summary judgement had been passed with regard to a collection agency XXXX XXXX for a charged off credit card account from XXXX. I know I should have been contacted to appear in court a supeona should have been sent registered mail for signature it was not. I also know according to FDCPA I have the right to request all of the information about this account payment history signed documents of transfer basically all information you would have from a transfer of ownership. They would not comply. Instead they probed my for more information they didnt have such as contact number employer information and vital details. I researched this collection agency/law office and they have hundreds of complaints of similar situations where they routinely operate outside the scope of the law yet it seems no action is taken. I formally request since I am unable to get the evidence I requested and they have seized all of my monies checking and savings for my housing and essentials. If they went through the proper channels I would have been notified how is it this office can operate legally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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:
I am deeply hurt seeing this! I am working my way out of debt. I paid every single account I have on my list. Closed some and retained some. It was not easy because I force myself not to buy things i want. I hope you understand the dilemma I'm going through..I always track my bills, I contacted the credit bureaus, to reverse the late payments but they never fix this matter, this is an error, I was not late on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Okay so when I started my credit back in XX/XX/2018, on of the card companies I signed up for capital one credit cards, but I had an issue with them, they approved me for one card and not for another. Which is fine, thing is when I called to follow up and  make an account, they told me that the social security wasnt matched ( off by one digit ), which is weird because why would my credit take a hit if it was off by one digit? I was told I was going to get a call from them to explain what happend, and never did. Being naive to credit I signed up a few more times and my credit took a hit as result of that. Now Im not looking to see if you guys can help me out, my friend actually referred me to this site recently, I never knew the actual gov does stuff like this, haha explains my naiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: CA

Complaint narrative:
I am deeply hurt seeing this! I am working my way out of debt. I paid every single account I have on my list. Closed some and retained some. It was not easy because I force myself not to buy things i want. I hope you understand the dilemma I'm going through..I always track my bills, I contacted the credit bureaus, to reverse the late payments but they never fix this matter, this is an error, I was not late on 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 2018-11-21 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: CA

Complaint narrative:
I am deeply hurt seeing this! I am working my way out of debt. I paid every single account I have on my list. Closed some and retained some. It was not easy because I force myself not to buy things i want. I hope you understand the dilemma I'm going through..I always track my bills, I contacted the credit bureaus, to reverse the late payments but they never fix this matter, this is an error, I was not late on 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 2018-11-21 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: FC HoldCo LLC
State: IL

Complaint narrative:
The company XXXX XXXX  appeared on my XXXX credit report on XX/XX/XXXX and on XX/XX/XXXX. It appears to be finance and personal under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a car loan. I informed the company that I have not submitted any form of application for auto financing and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.

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 2018-11-21 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I was sent an alert from my financial institution my checking and savings accounts had been wiped clean. I learned it was done by a debt collection company based out of XXXX, NY with offices in state I reside New Jersey. XXXX XXXX XXXX was the company, I phoned and was told a summary judgement had been passed with regard to a collection agency XXXX XXXX for a charged off credit card account from XXXX. I know I should have been contacted to appear in court a supeona should have been sent registered mail for signature it was not. I also know according to FDCPA I have the right to request all of the information about this account payment history signed documents of transfer basically all information you would have from a transfer of ownership. They would not comply. Instead they probed my for more information they didnt have such as contact number employer information and vital details. I researched this collection agency/law office and they have hundreds of complaints of similar situations where they routinely operate outside the scope of the law yet it seems no action is taken. I formally request since I am unable to get the evidence I requested and they have seized all of my monies checking and savings for my housing and essentials. If they went through the proper channels I would have been notified how is it this office can operate legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: NV

Complaint narrative:
I was sent a bill for something I feel I don't owe, CMRE financial services is sending me a bill to an address I have not lived at in over 15 years. When I lived in in California I always had XXXX  to cover any medical expenses. I fell they are fraudulently trying to collect on something that is not mine. I demand that cmre financial services send me proof of this Bill in writing as required my the fair Credit reporting act by 5 days of receiving my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: CURO Intermediate Holdings
State: IL

Complaint narrative:
The company XXXX XXXX XXXX appeared on my XXXX credit report on XX/XX/2017. It appears to be personal loans company under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a loan. I informed the company that I have not submitted any form of application for financing or loan acquirement and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
The company XXXX appeared on my XXXX credit report on XX/XX/2017. It appears to be a national credit card cos.under business type listed near the inquiry. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a credit card. I informed the company that I have not submitted any form of application for financing or a credit card and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.

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 2018-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: MI

Complaint narrative:
My payment is due on the first of each month. On XX/XX/18 according to my phone record, I made my payment at XXXX Eastern time. When I received my next statement I had a late fee of {$27.00}. 

XXXX credit statement does not give clear information on the time phone/internet payments are due. It only states " crediting times vary, but generally must be made before XXXX XXXX   CT to XXXX XXXX CT depending on what day and how the payment is made. If you are making an internet/telephone payment please contact Cardmember Service for times specific to your Account and your payment option. '' However, when you call there are extremely long wait times to speak to a customer service representative. I waited 25 minutes before finally hanging up. After several attempts and further waiting on hold, I was eventually able to speak to someone. The person was extremely rude and kept cutting me off and talking over me. I finally took down his name, which was XXXX, operator # XXXX, and because of his extreme rudeness I requested to speak to a supervisor. He kept demanding to know why I wanted a supervisor and it took a long time with him yelling at me before I finally was put through to a supervisor named XXXX. 

XXXX was slightly better to deal with. He explained that phone payments have to be received by XXXX CT. I explained that according to my records I made my payment at XXXX ET ( XXXX CT. ) He said that their records showed my payment not being made until XXXX ET. I questioned the accuracy of this, but he was determined his records were the correct ones, not mine. He did, however, remove the late fee, but this was a lot of hassle to go through. And, my understanding is that the CARD ACT requires that payments be credited on the day they are received. All of my other credit cards have a cutoff time of XXXX ( in their respective time zone. ) If phone payments are due at XXXX CT, why isn't this stated clearly on the statement? It seems like this system is designed to trip people up so they can collect more late fees. Customer service is poor and it is very difficult to get through to someone.

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 2018-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I applied for a XXXX XXXX XXXX issued by XXXX XXXX XXXX on XXXX XXXX and my application wasn't approved due to a freeze on my XXXX  report. My application ID is XXXX. 

I am very disappointed regarding this because the second I submitted my application I got a notification that XXXX XXXX XXXX pulled my XXXX credit report. 

The letter doesn't mention anything about the bank performing a hard pull on my report even though it did happen which is more than enough to view my credit history and credit score to evaluate an application.

Most banks whenever they have issues processing an application they contact the applicant and keep the application open for at least 30 days to be able to finalize it.But XXXX XXXX XXXX  just wants me to apply again after unfreezing XXXX   report so that they ding my XXXX  report again!!

My complain is that my XXXX report was pulled and my application was never evaluated based on that pulled report.

I tried to contact XXXX XXXX XXXX customer service about this but got a rehearsed response that I need to apply again after 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: Klarna AB
State: IL

Complaint narrative:
The company Klarna/XXXX  appeared on my XXXX   credit report on XX/XX/2018 and XX/XX/2018. It appears to be personal loan companies under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a loan. I informed the company that I have not submitted any form of application for financing or a loan and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
The company Prestige Fin appeared on my XXXX credit report on XX/XX/XXXX and on XX/XX/XXXX. It appears to be finance and personal under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a car loan. I informed the company that I have not submitted any form of application for auto financing and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: BB&T CORPORATION
State: IL

Complaint narrative:
The company XXXX XXXX or XXXX XXXX appeared on my XXXX credit report on XX/XX/XXXX and on my XXXX report on XX/XX/XXXX. It appears to be finance and personal under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a loan. I informed the company that I have not submitted any form of application for financing and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.

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 2018-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The company is XXXX XXXX XXXX. They call repeatedly, but there is never anyone on the line, so I can not ask them to stop calling. I have no outstanding debt, and should not be receiving any collection calls. I work nights, and the calls are always when I am sleeping. I want the calls to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21 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: Sierra Holdings LLC
State: IL

Complaint narrative:
The company XXXX XXXX appeared on my XXXX  credit report on XX/XX/2017. It appears to be finance and personal under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a car loan. I informed the company that I have not submitted any form of application for auto financing and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: Southern Auto Finance Co
State: IL

Complaint narrative:
The company SAFCO appeared on my XXXX credit report on XX/XX/2017. It appears to be finance and personal under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a car loan. I informed the company that I have not submitted any form of application for auto financing and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: CA

Complaint narrative:
I told them not to contact me at work and the still calling me and this time the told receptionist that i got a called ftom the XXXX XXXX sheriff 's dep, so i answered the called and it was a debt collector from XXXX, saying that if i don't, pay i will be arrested at my job, i told them that is a process, that i haven't received any court paper to go to court, then they start saying they will start a garnishment from my salary, n then i asked for badge number, then they said the are not police officer, now they admit the are from XXXX.i told them any paper work they can send mecto my address, they got upset then they said they will any paper work to my job

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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