vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Back in XX/XX/XXXX per Ace Cash Express I took out a loan, I feel very confident that this loan was cleared, but they had a law office call me 4 times today XX/XX/XXXX harassing me and threatening me stating that Ace was suing me for default and failure to pay back the loan, stating that I was being sued for over {$4000.00} on a loan that was less than {$500.00}, I was financially in a very tight spot at that time and was not ever made aware that this was to happen. Please help as it has been over 2 years and they are now here it is XX/XX/XXXX and they are threatening me and would not identify themselves until I gave them personal information I feel very threatened and my privacy has been violated please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 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: FL

Complaint narrative:
XXXX XXXX # XXXX is using an INTIMIDATION tactic by placing this account on my credit reports, I do NOT have any signed contracts with XXXX XXXX  OR their client. I do NOT owe {$750.00} and I do NOT have 1 month terms and I DID NOT open an account with my signature OR their client. XXXX does NOT have my signature at ALL This intimidation tactic is ILLEGAL and the last time I checked, they WERE NOT allowed to place anything on ANYBODY 'S credit report. This needs to be DELETED immediately before I file my lawsuit!

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 2018-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX uses intimidation tactics, many phone calls and letters to attempt to collect from XXXXXXXX XXXX XXXX -which is not related to XXXX XXXX , even if I have repeatedly written to them informing them that I am not the person they are looking for and not even had ever any accounts with that " bank '' in Nevada . I am a current account holder with XXXXXXXX XXXX  XXXX, in good status and never had any contact with any collection agency representing my banking institution. They are either " phishing '' to see if any innocent bystander answers, or re-dating debts that are not even mine. Not even my name is correctly stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
On XX/XX/XXXX I submitted {$70.00} + fees on PayPal to XXXX for the purchase of a digital concert ticket. The individual immediately blocked me on all social media, not sending the ticket, yet still took my money on PayPal. It has not given me an option to dispute it through PayPal, but Im hoping thats possible to get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-24 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: OH

Complaint narrative:
Equifax XXXX XXXX XXXX GA XXXX The following accounts listed have never been mine : XXXX XXXX XXXX # XXXX**** XXXX   XXXX XXXX XXXX XXXX****, XXXX XXXX XXXX XXXX XXXX****, XXXX  XXXX XXXX XXXX XXXX**** , XXXX XXXX XXXX # XXXX**** , XXXX XXXX XXXX # XXXX**** , XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX # XXXX****,  XXXX XXXX XXXX XXXX XXXX****, XXXX XXXX XXXX XXXX 1981****, XXXX XXXX XXXX XXXX XXXX**** Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading, or incomplete, you may have violated federal law. I expect you to make a re-investigation Immediately. My ID and SS have been attached for proof of ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 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: Credit Plus Inc
State: TX

Complaint narrative:
creditor still reporting and it's been past the two years of when the inquiry was established. Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: PA

Complaint narrative:
XX/XX/18 & XX/XX/18 both dates I received phone calls ( XX/XX/XXXX ) on my cell phone and ( XX/XX/XXXX ) on my home phone from XXXX XXXX XXXX asking for a person with the same name. Without verifying I am that person the party released they were collecting a debt and the company they were calling on behalf of, XXXX XXXX. Each time I confront about breaking the law about releasing that information their representatives hang up on me. My wife called back XX/XX/XXXX and spoke to a team leader named " XXXX XXXX '' confronting about releasing personal info related to said debt without verifying and the harassing calls by repeatedly hanging up and he as well released the info without verifying address or social security number. The request was submitted to cease communication from both numbers and they were notified a complaint would be made on the now three documented occasions of the release of private info.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: CO

Complaint narrative:
So I got a report from Lexis Nexis and has a listing of 82 pages of incorrect information on me including dob occurrences and just wrong information on me. It makes me mad that they use this information against me first off, second all the information is incorrect. I need some help and I tried calling but they dont take it serious. Please help. Thanks. 

I also have pages and pages of incorrect information XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc.
State: MT

Complaint narrative:
This was a catalog item that i did not order but paid anyway, thus it should be removed from my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Veros Credit, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX. I opened an account with VEROS CREDIT LLC. The account was closed on XX/XX/XXXX. 

I got a Repossession remark on my XXXX credit report stating that this account was Repossession, However i was involved in a car accident with the same car i couldn't work for few months and I was never notified about this debt and never received this bill since i move to another location. I would like to address this immediately The Auto Loan is paid off i owe {$0.00} dollars, and i want this negative remark remove from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/XXXX I received a text message at approximately XXXX stating fraud charges. All these charges were use in XXXX, IN. 
Fraud Charges- {$100.00} XXXX XXXX, {$95.00} XXXX XXXX, {$100.00} XXXX XXXX, {$92.00} XXXX XXXX XXXX and {$95.00} XXXX XXXX XXXX. At that time I called BMO Harris Bank and spoke to a representative who filed a dispute she also emailed me a form to take to a branch location in the morning. The representative also stated that I would receive a provisional credit once the forms were received in the REG E dept. She did inform me that it would take 7 to 10 days but I told her that is not acceptable because 2 bills were coming out my account and this would leave my account in the negative. As of today the money has not been placed in my account. I have been on the phone with multiple representatives from XX/XX/XXXX-XX/XX/XXXX. I need action done and someone to reach out to me regarding this matter. This is the short version of the issue. I have more to say but I will discuss this with BMO Harris CEO and board of directors.

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 2018-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Global Payments Check Services, Inc.
State: MT

Complaint narrative:
THIS IS A DUPLICATE ENTRY TO XXXX XXXX WHICH I ALREADY SUBMITTED A COMPLAINT REF XXXX. IT IS AGAINST THE FCRA TO DUPLICATE REPORT DEBT. SINCE THIS WAS SOMETHING THAT I ORDERED AND CANCELLED AND PAID ANYWAY AND SINCE IT IS A DUPLICATE IT NEEDS TO BE REMOVED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-24 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX ... there are 3 instances of this with 3 account numbers. I have written letters and disputed it for 2 years. I had state medical insurance and they refuse to remove them. And when I demanded original debt paper contracts they did not provide anything with my signature. 
I then went to Experian and they say that this company certified to them that the information was correct, but Experian has no proof that it is valid. 
They removed one, that means the others should all be removed. 

And furthermore I have recieved 2 alerts from Experian itself of data breeches and that I was affected yet they refuse to take of these items that are damaging my quality of life when they have no proof and there system has been hacked and my information was stolen. I want every negative item off my report I also want my information to be private and removed from all 3 agency 's data bases since they can't seem to stop people 's information from seeing taken and then discriminate and violate my rights to have things crucial to surviving.

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 2018-12-24 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: SC

Complaint narrative:
I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lost of money with the lenders that I nowdo business with. After consulting with my attorney and a mortgage broker, then informed me of my options in handling my situation.

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 2018-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
This debt is not owed by me and I've tried multiple times to have them remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: AL

Complaint narrative:
This is absurd, Ive sent a letter to XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and or other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. A bill is NOT validation of an account, Im devastated that They have reported delinquent information to the credit bureaus without being able to properly VALIDATE this information. I feel violated, Im requesting this account to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: MT

Complaint narrative:
I HAVE BEEN TRYING FOR A WHILE TO GET THIS RESLOVED SO I AM TRYING AGAIN - I HAVE NEVER GONE TO XXXX XXXX AND THEY ARE TRYING TO COLLECT ON SOMETHING THAT WAS NEVER PROVIDED -

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 2018-12-24 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: SC

Complaint narrative:
I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lost of money with the lenders that I nowdo business with. After consulting with my attorney and a mortgage broker, then informed me of my options in handling my situation.

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 2018-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
I applied for and received a mastercard from HSBC on or about XX/XX/2018. I activated the card online a few days later. I did not attempt to use the card until XX/XX/2018. I used the card to pay for a purchase at XXXX on XXXX XXXX XXXX in XXXX, Georgia and it was declined. I immediately called the HSBC customer service number shown on the card and after waiting on the line for over 30 minutes was told that there was a hold on the card but that she ( the person I was talking to ) could not do anything about it and I would have to talk to another department. She then transferred me to that department number where once again I was on hold for 20 minutes  before I terminated the call. The next morning I called the customer service number again and was told the same thing about the block but that the department that was responsible for resolving the issue did not work on the weekend and I would have to call back on Monday, XX/XX/XXXX, ( today ). 

Today, I have talked to the number that the customer service agent gave me and was told that they were not the right department and I would need to call another department. The agent also told me that the account could not be closed because of the hold on ; the account. I have now called that number and have been waiting for over an hour to talk to someone in the department supposedly that can resolve the issue. After waiting on hold for over an hour and 26 minutes I terminated the call without speaking to anyone. 

I want to cancel the card and end my relationship with HSBC but can not get to the right department to do that. The account has never been used and I am concerned that something could be put on the account and I will not be able to contact anyone about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 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:
There's a hard inquiry on my XXXX report. I didn't authorize this one. Please delete 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 2018-12-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: USCB Corporation
State: MT

Complaint narrative:
I ATTENDED XXXX XXXX XXXX FOR A WHILE THEN COULD NOT CONTINUE DUE TO HEALTH REASONS. THEY ARE TRYING TO COLLECT ON SERVICES NEVER RECIVED

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 2018-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JH Portfolio Debt Equities, LLC
State: TX

Complaint narrative:
I just recieved a court document threatening me to appear in court over a debt that is not owed to JHPDE Finance 1 LLC. I have never had an account with them yet they still leave notices threatening to sue. This is the third letter within two months that has been left on my property. I DO NOT OWE NOR HAVE I HAD ANY DEALINGS WITH THIS COMPANY AND I WANT THE THREATENING AND HARRASMENT TO STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25 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: IL

Complaint narrative:
I am filing a complaint with Experian in regards to inaccurate credit reporting. I sent in a total of 4 letters in all in regards to reporting inaccuracies on my report. In the first letter, sent on XX/XX/2018, verifiable proof was asked in regards to the account issue at hand. The results came back verified and updated. As I read through the results, only one of the two items was updated. But the last remaining item was neither updated nor verified to my specifications. I disputed the accuracy of their results in a second letter, sent on XX/XX/2018 asking for verifiable proof and documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Once again, when the results came back, they were labeled verified and updated, which again after reading the results mean that nothing was updated on my report nor verified to my specifications. Experian gave me no information on how they verified their information or the process they used to do so. I was given the round-a-bout answer which meant that again nothing was done. A third and fourth letter was sent to Experian on XX/XX/2018 & XX/XX/2018 respectively, to once again dispute the results. In letter 3, I indicated that Experian failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) in letter 3. Finally in letter 4 to describe the procedure that Experian completed to verify the results. After letters 3 and 4 were sent, Experian stated that they REFUSED TO INVESTIGATE FURTHER. Experian still has not provided any information on how they verified their results and have directly violated the Fair Credit Reporting Act by actively refusing to investigate my matter and do their due diligence by investigating fully, thoroughly and accurately.

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 2018-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
FRAUD INQUIRIES BY THESE COMPANIES NOT PERMISSIBLE BY ME FROM XXXX XXXX ON DATES XX/XX/XXXX AND XX/XX/2018 AND XXXX XXXX XX/XX/2018 AND XXXX XX/XX/2018 AND XXXX BANK XX/XX/2018 AND XXXX XXXX XXXX XX/XX/2018 AND XXXX XXXX XXXX XXXX XX/XX/2018 THESE ARE ALL FRAUD INQUIRIES.THESE BANKS OBTAINED FRAUD INFORMATION FROM MY CREDIT REPORTS NOT PERMISSIBLE BY ME.

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 2018-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One has an inquiry on my credit report for an denied credit card ( XX/XX/2018 ) that I personally did not APPLY for. I disputed the inquiry with Capital One and the 3 major credit reporting agencies. They all give me the run about without an investigation. This is highly damaging my credit scores.

Company response to consumer: Closed with explanation