vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: NC

Complaint narrative:
I receive multiple telephone calls from XXXX from ( by the accents ) an overseas call center. I believe the company from online searches is Allied Interstate. I can receive 4 or 5 calls in a day. 

The person they are searching for is an XXXX XXXX. I do not know this person, nor have I had anything to do with this person. 

The number they are calling has been my personal number for 17 years. My voice mail greeting now state the facts of who I am, and I do not know this person along with a request that they remove my number from their records.

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 2019-06-05 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: CA

Complaint narrative:
I reviewed my credit reports and see that there is this XXXX XXXX Credit Card AKA XXXX XXXX  Corporation that I did not authorize to open in my name. This account was fraudulently opened in my name. The balance says I owe {$610.00}, which I do not. Please have this fraudulent account removed from my credit reports.

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 2019-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
The lender charges us usurious interest rates and even late fees for XXXX. Lender ignored our request to remove late charge of {$640.00}. Rate Interest Due from XX/XX/2019-XX/XX/2019 is {$8900.00} and Additional Daily Interest of {$210.00} if paying after XX/XX/2019.

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 2019-06-05 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc.
State: CA

Complaint narrative:
On XX/XX/2019 i opened escrow with XXXX XXXX and American Financial network as my lender. I received a pre approval letter from XXXX and now that i already paid my ( {$3500.00} ) Earnest money deposit XXXX is saying that i dont qualify for the loan that they already pre approved me for. They called me pressuring me to pay off a debt so XXXX would approve my loan, a loan that was already approved. I feel like i dont have a choice but to pay to make this loan work. Unfortunately i dont have anybody to let me borrow XXXX dollars which they say is causing the hold up. These lender services are unfair, deceptive and abusive. This is a violation under the UDAAP act. I gave up my condo that i was renting so that i could save some money but now i dont have steady place to sleep and am sleeping on the floor with family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
A credit card contacted me by phone and by letter to let me know I was dead. I called the service number on my credit card and I was told one of the credit reporting agencies had given me a credit score of XXXX. Apparently when you are really dead, your credit score goes to XXXX. 

I initiated a credit freeze on my three credit reports and requested that all three send me a complete credit report. One of the three credit reporting agencies had the correct personal information. 

Experian has included information about my previous wife who has been deceased for 6 years as of XX/XX/XXXX. My first name is " XXXX '' and then middle initial is " XXXX '' Her first name was " XXXX '' and then middle initial " XXXX ''. When we married, she took my last name as her last name, so the two names are very similar. Under my personal information, they have listed four variations of XXXX or XXXX. They have also listed the last digits of her social security number as a " variation '' of my social security number. They have my birth date correct and have named XXXX as my spouse. That is no longer correct. XXXX is dead and I have been remarried to 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 non-monetary relief
Consumer complaint received 2019-06-05 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: CA

Complaint narrative:
I recently checked my credit score on XXXX XXXX to see that I had a hard inquiry from an unknown source ( syncb national credit cards/airlines ) from XX/XX/2018. I never applied for this or gave my consent in any way. I called the creditor and was given the run around and told that I would have to dispute this with XXXX XXXX. XXXX XXXX did not give me the option to dispute this hard inquiry, it directed me to dispute it through the creditor which I had already tried and I got the same result with XXXX and 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 2019-06-05 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: CA

Complaint narrative:
I reviewed my credit reports and see that there is this XXXX XXXX Credit Card AKA XXXX XXXX XXXX that I did not authorize to open in my name. This account was fraudulently opened in my name. The balance says I owe {$610.00}, which I do not. Please have this fraudulent account removed from my credit reports.

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 2019-06-05 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: CA

Complaint narrative:
I reviewed my credit reports and see that there is this XXXX XXXX Credit Card AKA XXXX  XXXX   XXXX that I did not authorize to open in my name. This account was fraudulently opened in my name. The balance says I owe {$610.00}, which I do not. Please have this fraudulent account removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Portfolio Recovery Associates, LLC. -they call my phone once per day, 7 days a week. Between the hours of XXXX XXXX-XXXX XXXX central. It's a automated call at first. When I answer, it takes approximately 15 seconds before a live person joins the line. They'll have people representing that their a law enforcement official. They use vulgar language and intimidation while on the phone. They never explain what the debt is for. Or for how much. They ask for personal information before being able to reveal the debt. They'll even call friends and family of mine harassing them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
i informed the company that this is not my account. Fraud.

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 2019-06-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I mailed Capital One a signed letter, which included the account number, requesting to close my 360 Savings account. As of XX/XX/XXXX, the account has still not been closed. 

On XX/XX/XXXX, I transferred the account balance out of the account, leaving the account with a XXXX balance. The account did not automatically close as is standard at many banks. Capital One does not provide any self-service options on their website for closing this account. Capital One does not offer secure chat or a secure messaging system through which I can close this account. I called the customer service phone number twice, waited on hold for several minutes, and was ultimately unable to speak with a representative because the wait time was so long that I could not continue to wait because of a serious family medical situation. Since there was no convenient way for me to close the account, I resorted to sending a signed letter on XX/XX/XXXX to the address for servicing 360-branded accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: McCarthy, Burgess & Wolff, Inc.
State: NC

Complaint narrative:
The to my personal number from McCarthy, Burgess & Wolff ( XXXX ) the person they are attempting to contact is XXXX XXXX. This is not me, I do not know this person or have any association with this person. 

The number they are calling has been my personal number for 17-years. 

I have told their agent that this is nor me and requested that they remove my number from their records. 

My voice mail greeting now states all the above facts ( I am not the person they are looking for ) with a repeated request that my number is removed from their records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I did not authorize the following inquiries : Transunion- XXXX XXXXXXXX-XX/XX/2017 XXXX  XXXX XX/XX/2017 XXXX- XXXX  XXXX XX/XX/2017XX/XX/2017

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 2019-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I received a letter from Synchrony Bank dated XX/XX/XXXX informing me that my credit card account has been closed. 
I reviewed a reasons provided me by the above creditor and they indicated that my account did not score well for the following reasons : Serious delinquency Time since delinquency is too recent or unknown Number of accounts with delinquency Too few accounts currently paid as agreed. 
I completely disagree with Synchrony 's bank decision to close my account because my account with a creditor was in a good standing. 
I opened this account since XX/XX/XXXX and my account never been delinquent or seriously past due. Creditor based his decision on information they obtained from XXXX Credit Bureau and because they believed that my account is in risk with them decided to close my account. The company violated Fair Credit Reporting Act and because of the fact that some of my information on my credit report changed recently that impacted my credit score, they made decision to close my account that was in good standing. 
I contacted Synchrony Bank on XX/XX/XXXX and spoke to account manager named XXXX. The account manager advised me that the company reserved a right on their own discretion to close my account if they believe my creditworthiness in a risk. I requested to reinstate my account and they refused to re-open it because they stated once account is closed, they can't reopen..

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 2019-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Ive never heard of this company. Nor do I owe them or anyone else money. They never even contacted me they just placed this bogus debt on my credit report. No written documentation stating what this is or proof its mine! Company is singling me out & questioning my integrity. This company has not helped me in any way when contacted. This is not mine!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
on XX/XX/2019 I received a cashier 's check from someone I had sold an item to. The check was for {$1800.00}, this included fees to pay the movers to pick up the item as well as the cost of the item. I did not release the items sold because I wanted to verify payment was legitimate. I went into Chase Bank, located at XXXX XXXX XXXX, XXXX, CA XXXX, to deposit the check. The bank teller ( name not remembered ) informed me the check looked legitimate and accepted it. On XX/XX/2019, I reviewed my Chase bank account and discovered the funds were available in my account. Based on the funds being available, I called Chase Bank and spoke with a bank representative ( on a recorded line ) to double check the funds were available in the account. They assured me the funds were there and it was okay for me to pay movers and have them pick up the sold items. Based on their confirmation and assurance, I submitted an online transaction via XXXX in the amount of {$1100.00} for movers to pick up the item. On XX/XX/XXXX I received an email informing me that {$1800.00} I deposited on XX/XX/2019 was returned. Due to this information, I went to Chase bank, located in XXXX, to discuss the situation and they informed me that I had been a victim of a scam and lost {$1100.00}. Together, we called Chase support to open a fraudulent claim and spoke with XXXX XXXX ( refused to give her last name ) who informed us they were not willing to reimburse us the money we lost due to fraud. I believe Chase Bank is responsible and should refund me {$1100.00} due to me depositing a check through a teller and them not spotting a fraudulent check, calling them to confirm funds were available and their assurance it was a safe transaction to proceed via an online service that they offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HOVG, LLC
State: CA

Complaint narrative:
XX/XX/2007 The Statement said {$1800.00} but when i call the Bay Area Credit Service they said i own {$3400.00}. when i call the Bay area credit service and told them they said its not been pay. i call XXXX XXXX XXXX the gentleman said he been working here for 2 years and don't know where to look for this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-06-05 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-06-06 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have attempted for nearly 1 and a half years to have Experian, either permanently block a XXXX  XXXX XXXX Fraud account that had been blocked for 2/3 years and then randomly had a file split and lost numerous accounts in Good standing including XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX XXXX XXXX etc. The XXXX XXXX XXXX account was removed in XXXX and subsequently remerged without notification from Experian as required by law, in XXXX. I have at least 29 reports in the interim period that show the account was removed and further one that even says after reviewing and contacting the furnisher along with the police report we've determined the account was fraudulent. Fast forward to XXXX and these scumbags won't even acknowledge what the heck changed. I have said before the facts will be on my side, and they rely on this asinine notion that I will not file a lawsuit, but time after time they have seen first hand ( XXXX XXXX when consumers do sue IN FEDERAL COURT, and win! The recent Supreme Court case authored by XXXX XXXX strikes at the heart of developing jurisprudence surrounding the irresponsible invective that Experian who routinely breaks the law will be held account. Not only with a less sympathetic United States Supreme Court, as XXXX XXXX and XXXX have always given preference to State Courts ( The CRAs are terrified of this and routinely believe transferring to federal court gives them a leg up, how misguided with a new originalist court itching and having already in the words of XXXX XXXX whack a mole, to the notion of Federal powers over State ) what is just as damning is the complete take over by the Democratic Party in the United States House of Representatives, and with members like XXXX XXXX itching to pound Experian and XXXX  and Republicans in the Senate too wanting the same ( Senator XXXX, and Senator XXXX XXXX they are playing a stupid game. I was a victim of identity theft and under penalties of perjury and criminal action I filed the reports, including one with the Internal Revenue Service, I then sent Experian a XXXX package with the information and they deleted it until they didn't and now they won't EVEN EXPLAIN WHY IT WAS REINSERTED AND WHAT BASIS THAT WAS UNDER ASIDE FROM CONTACT THE FURNISHER, MO THE LAW SAYS YOU NEED TO AND THEN REPORT BACK AS TO WHAT CHANGED. THIS ISN'T A DISPUTE UNDER THE FCRA ITS A FACTA BLOCK REQUEST. I DEMAND THEY REMOVE IT!

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 2019-06-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I got a credit report notification notifying me about a debt collection from XXXX XXXX XXXX, which Ive never opened an account with. They are charging me and are effecting my credit that is not even mine in the first place. I had no card sent or anything like that, it just showed up on my collections when I logged into my credit wise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: CA

Complaint narrative:
Payment arrangements was established and payments was automatically withdrawn from my account each month. Account was satisfied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation