vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
this collectors name is XXXX XXXX XXXX XXXX XXXX. i called them and asked them to dismiss charges on account as i have no knowledge of this account. It is identity theft i never opened it. Didnt get anywhere tith them could use your help getting this taken off of my credit report before id die of XXXX. My account is XXXX they are located in XXXX   XXXX XXXX XXXX , XXXX XXXX  ca. XXXX my phone for contact is XXXX the amount is for XXXX they are located headqrtrs is XXXX XXXX   XXXX XXXX va XXXX and there seperate mailing adress at bottom is in XXXX california which leads me to believe this is also sometime of phising scam. the lady on the phone sounded like a complete XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: IQOR US INC
State: NY

Complaint narrative:
In XXXX I took out a federal student loan for ( XXXX ) XXXX dollars. ever since XXXX my taxes has been taken. Its been 30-40years and my taxes are still being taken and this student loan has been paid in full 30times the amount. Now this credit bureau is haressing and calling every day and I am not going to pay them when this student loan is over 40years old and the school went out of business. I need help, the name of the agency is Allied Interstate base in XXXX, OH. thanks

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 2019-02-02 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: United Check Recovery Bureau, Inc.
State: TX

Complaint narrative:
I have made MULTIPLE DISPUTES WITH YOU ALL THROUGH XXXX  AND YOU ALL HAVE YET TO REMIVE THE ACCOUNT OF MY REPORT. I have contacted you all on several occasions advising you to send debt validation or remove item from my credit. This is hindering my score and the debt is not mines. If you all can not and will not provide the REQUESTED INFORMATION remove it from my report or I will now start to take further legal action for incorrect reporting as it is stopping me from what I have planned for my future. REMOVE THIS DEBT IF YOU DO NOT HAVE VALIDATION MEANING SIGNED PAPERS WITH MY SIGNATURE!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation

Complaint narrative:
Netspend, issued a closed account final check of {$920.00} on XX/XX/2017 ... this payment was sent to my extended family members house in XXXX XXXX, Nevada.. somehow this check found its way to a Bank Named : XXXX XXXXXXXX XXXX , somewhere in the State of SD. A place I have never been to. Even if I want to I could not make seeing I have been living in the XXXX these pass three years. I have contacted Netspend, FDIC, AND OCC ABOT THIS MATTER ... and still have not been issued a New Check. This is why I am contacting your Agency.

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 2019-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I complained about this item on my credit file to equifax and I was mailed a quick response dated XX/XX/XXXX. It is no way that investigation was completed in that length of time. This item XXXX/XXXX   was originated from a apartment complex, in XX/XX/XXXX. The item should be removed from my credit file based on length of time, but instead it is bought and sold, staying on my credit file as a negative item, this item does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 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: GreenSky, LLC
State: NJ

Complaint narrative:
During a recent review of my credit report, I noticed a credit inquiry by GreenSky Installment dated XX/XX/18 that I did not recognize. I contacted the company via certified mail which was signed and received by the company on XX/XX/18. The company replied back on XX/XX/18 reporting that they serviced the account on behalf of XXXX XXXX which I am not familiar with. They concluded their correspondence by reporting that the account was verified. I sent a second letter via certified mail to GreenSky that was received by the company on XX/XX/18. In the second letter, I again disputed the inquiry and requested their verification procedure. To date ( more than 60 days since my last communication and more than 90 days since my initial communication ), GreenSky has not responded to my request for verification procedures and have not noted my dispute on my credit profile, as required by law including for credit inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2019 I contacted this guy by the name of XXXX XXXX via XXXX to buy XXXX tickets for a game in XXXX Texas for the XX/XX/2019 game. He according had the tickets I needed and asked me to deposit him close to half ( {$500.00} ) the amount in order for him to be able to transfer the tickets to my ticket master account. Which I have buy tickets prior that way and no fraud has been happen before ; however this time, was different. He asked to deposit via XXXX which is the app the bank I used has it, so I figure was easier and fast. Once I transfer and it went thru, he no longer texted back, nor answer his phone and of course no tickets where transfer of tickets. I called right away to my bank and spoke to XXXX asking her to go head and cancel that transfer but she mentioned " I can't do nothing because you click the pay now option " I said well if I didn't click the now the person wouldn't transfer the tickets since the game is the next day and still had to drive 10 hrs to the game. After that she said " well it's tell pending on my side of the screen. So you have to be checking until it clears and then start a claim ". So I did and claim was initiated. After days, received a letter that my claim was close because they were nothing they could do due to I initiated the transfer and XXXX the app do not allowed to dispute and the third party of association doesn't give information from their account holders. So I next step was to file a police report but still no guarantee that the person will be paying back or even find that person even tho i have phone number, email, txt and of course the banks know about that person Info if not how it allow me to transfer and if I was the one initiated transfer why I can't be the one able to cancel as well. So I would appreciate if I can be assisted and make this individuals from scamming and stealing from honest individuals, as well make banks back you up, specially if the bank offers that app to transfer money. I thank you in advanve. Thank-you! I will be waiting for your response on this matter.

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 2019-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I belong to Experian Credit. 
I checked my report & shows to accounts With the wrong balance 1. XXXX XXXX XXXX XXXX {$7800.00}. Wrong Was paid off. 

2. XXXX, XXXX. 
Balance {$640.00}. Wrong Cancelled sell balance {$0.00} I tried to Correct this through Experian But was not able to correct this matter. 
Please help

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 2019-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: OK

Complaint narrative:
Debt should have been paid by XXXX XXXX XXXX..

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

Complaint narrative:
Sent evidence that a collection was closed or sold and requested a method of investigation for the original request sent out on XX/XX/2019. On XX/XX/19 Experian sent me a letter that there investigation was complete and the items I requested to be investigated was not removed or no method of there investigation or proof was attached. Please see attachments to this complaint including USPS tracking numbers and there letter they sent to me today. Experian is clearly in FCRA violation and performing deceptive business practice.

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 2019-02-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: KEYCORP
State: ME

Complaint narrative:
We have had an account with Keybank and the previous bank they purchased, XXXX XXXX for about 38 years now. In XX/XX/XXXX we were offered as part of our account with Keybank a FREE safety deposit box. 
On XX/XX/XXXX we received a letter stating that our checking account was debited for {$160.00} for our safety deposit box # XXXX being delinquent. On XX/XX/XXXX I called the XXXX number on the letter and with the second representative ( XXXX ) I dealt with and was told this was a bank branch issue and I had to contact the branch. 
I contacted the branch on XX/XX/XXXX and on XX/XX/XXXX the branch manager XXXX XXXX called and explained to me that the account had changed because in XXXX I had raised concerns about service charges and that we were notified of the account change. I honestly do not remember a service charge issue but I can state emphatically that we were NEVER notified of a change resulting in our FREE safety deposit box becoming a safety deposit box with a charge. If I had known we were going to be charged I would have either paid it on time, or closed it. 
XXXX XXXX stated we were notified but I must state again we were not. In fact Keybank can and does find me when they want to send offers of checks to use and charge to our credit card and that in fact is the ONLY mailings I have received from Keybank until the letter of XX/XX/XXXX. 
I was also told that although he was not passing the buck I should call the XXXX # which as stated we already had called and I told him so. 
On XX/XX/XXXX XXXX XXXX called me back and stated that {$69.00} of the {$160.00} debited to our account was credited back. When I asked why just {$69.00} I was told it was better than the zero we were going to receive prior to his negotiating on our behalf. 
On XX/XX/XXXX I completed a survey sent by Keybank via email and wrote of my concerns over this issue and as of XX/XX/XXXX have had no response. 
On XX/XX/XXXX I cleaned out our safety deposit box and introduced myself to XXXX XXXX. I thanked him for his efforts but told him I felt we should have all of our money credited back to our account and that I was in fact moving forward to lodge this complaint. 
He just shrugged his shoulders.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX I mailed a certified letter to Transunion. The letter was regarding disputes for unauthorized credit inquiries. I requested an investigation for about 18 inquiries in XXXX. I received a letter instead telling me to write to each company separately to report unauthorized inquiries instead of Transunion doing an investigation and checking the validity of the inquiries.

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 2019-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've tried to dispute inquiries on my file and I get the runaround. I've tried reaching out to the vendors, I've tried reaching out to the credit bureaus and both keep telling me to contact the other one. 

Listed are the inaccurate files : XXXX XX/XX/XXXX XXXX XXXX/XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XX/XX/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 2019-02-02 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: VA

Complaint narrative:
I attempted to have XXXX XXXX pay my account in full every month by providing banking information. Either I entered part of the information incorrectly or there was a problem with the transmission. By the time I learned that the account was not on autopay evidently the account had become past due. I pay every credit card I possess in full every month through direct withdrawals. My accounts with XXXX XXXX typically have balances totaling $ XXXX each month and they are always paid in full ; the balance in the XXXX XXXX account that is reported delinquent was a little more than {$200.00}, an amount that is trivial. When I learned what happened, I paid XXXX XXXX in full but was so annoyed with the way this was handled, I closed the account! Because I made a concerted effort to correct my bank information and pay XXXX XXXX in full in a timely manner, reporting the account delinquent to the credit bureaus is completely misleading -- it is the only late account on my entire credit report, that has a 36-year history. I have called XXXX XXXX on at least two occasions and asked them to remedy this but they have not. My credit score dropped approximately XXXX points because of this issue. XXXX XXXX needs to do the responsible thing and delete their report to the credit agencies that I paid late. They are acting in a fashion that is reckless and irresponsible.

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 2019-02-02 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: FL

Complaint narrative:
I am the victim of identity theft and my personal information has been compromised in data breaches. The following inquiries were not made by me and are not mine : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 2019-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I consign for my son 's car loan. I am not privy to when he makes his payment or amount. On XXXX XXXX2019 I contacted ally loan to talk about account and was advise that XXXX needed to be paid by XX/XX/ 2019.  I told them I do not want this going on my credit report and I had the funds to pay today and was told just make sure pay by XX/XX/ 2019 and that would bring it current. On XXXX XXXX,2019 I notice a late payment had posted to my credit bureau, I contacted ally and was told that it was 30 days late, I spoke to a supervisor and was told if I make the payment today XX/XX/XXXX they would remove it from credit bureau, a payment of XXXX was made and I phone back on the XX/XX/XXXX to verify payment was receive and XXXX told me it would take 7 to 10 days to remove it but it would be done. I receive a letter from ally on XXXX XXXX that they were not going to remove it from the credit bureau. They deceived and misled me to believe that this matter was being handled. If they had just taken my payment on XXXX XXXX this would have never happened. They did not give the correct information and advised me that the payment on XXXX would keep it from going on my credit. They tape all conversations and this will show they gave incorrect information and that it is their fault.

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 2019-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Home Depot Credit Card Serviced by Citibank has made multiple calls to collect a debt that was only a couple days past due. 

There were several calls made at the end of XXXX into XXXX but my phone log had cleared those. However below is the call log from the last 3 days. 

On Thursday XX/XX/2019 the company called 4 times, leaving a message all 4 times. The call times were XXXX XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX. 

On Friday XXXX XX/XX/2019 the company called 4 times, again leaving a message all 4 times. The call times were XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

On Saturday XXXX XX/XX/2019 the company called 4 times, once after I had already taken care of the payment, leaving a message all 4 times. The call times were XXXX XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX. I had called and made a payment via the automated system at XXXX XXXX  for {$25.00} which cleared the past due amount. 

The payment was due XX/XX/2019 and a partial payment was received for {$30.00} on the due date. I am aware that my minimum balance due has increased and I was not aware that this company did not automatically charge the higher amount, much like all others, when the payment is set for autopay. I have signed in to change the amount for autopay each month to meet the minimum due.

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 2019-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: OK

Complaint narrative:
This collection is being reported as current and is over 4 year old.

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

Complaint narrative:
I am the victim of identity theft and my personal information has been compromised in data breaches. The following inquiries were not made by me and are not mine : XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2019-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ACIMA CREDIT, LLC
State: OK

Complaint narrative:
They are reporting the date of last activity incorrectly and trying to make this look like a recent debt. This collection is over 2 or 3 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have asked this company multiple times in letters going back from last year to verify that these accounts are mine and to send me proof that i owe them the money they are asking. they have not been able to do so.

Company response to consumer: Closed with explanation