vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-29 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$94.00}, {$0.00}.

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 


-CLOSED ACCOUNTS- 1. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$94.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$0.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Total Card, Inc.
State: SC

Complaint narrative:
I want to see proof that this my debt a signature or a ID or something I just keep getting statements saying that the company verified it but there is no proof

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax  ). 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 2019-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a call from a Bank of America representative, the day right after my credit card payment was due. This was on XX/XX/XXXX and she had told me that the bank was going to close my account. I had asked them the reason and the associate had told me that they didn't have a reason to do so. I had kept the account in good standing. I then went to my local Bank of America branch and spoke to an associate there who called the Account closure line and we spoke to a very rude employee who said that they were going to be closing my account for no reason. The associates had said that my account had been closed due to account with XXXX   which is a popular stock trading app downloaded by thousands of users. I have done nothing to have my account closed and would like this resolved.

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 2019-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: OH

Complaint narrative:
Credit Management LP XXXX XXXX XXXX, XXXX XXXX Piano, TX XXXX Placed a debt ( XXXX XXXX / XXXX ) that has been paid in the Credit Bureau. 
I called to inform them that bill had been settled with XXXX XXXX XXXX , XXXX . 
XXXX XXXX XXXX XXXX, NY XXXX The customer service person didn't want to hear it and placed me on mute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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 2019-11-29 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 2019-11-29 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 2019-11-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I have discrepancies showing on my report. 
XXXX XXXX XXXX '' XXXX '' XXXX shows account listed as " Charge OFF '' and XXXX shows account as " Collection ''. 
Midland Funding XXXX account is listed as " Charge OFF '', XXXX " Collection ", and XXXX   " Collection ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I rented a car, paid for the rental. A week after the car was returned and checked in with no issues, the rental car company charged the card again for a new transaction for {$110.00}. I tried multiple times to resolve this with Citi, but no one even looked at my complaint. The rental car company provided proof that I ordered and paid for the rental car, which was the authorized transaction not in dispute. They provided ZERO evidence that a second transaction was authorized on a different day or that this charge was valid under the previous contract, which was closed at the time of the charge. This additional unauthorized charge was fraud committed by XXXX. I later found out they have a horrible reputation for doing this. Citi made no attempt to communicate any reasoning behind why they kept refusing to honor my fraud claim. Very poor customer service and a joke of a dispute process.

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 2019-11-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: TN

Complaint narrative:
I cant seem to login to my account online and when u signed into the mobile app it shows a charfe for a new card and cor the mailing and shipping charge that i did not do or authorize.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-29 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I have submitted identity theft reports and police reports as instructed but Equifax refuses to remove these two items : Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$160.00} Amount {$200.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments COLLECTION ACCOUNT Contact XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX. 
Original Creditor Name XXXX XXXX XXXX XXXX Assigned XX/XX/XXXX Original Amount Owed {$170.00} Amount {$0.00} Status Date XX/XX/XXXX Status PAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification RETAIL Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments RETURNED CHECK Contact XXXX XXXX, XXXX. 

XXXX XXXX. XXXX XXXX XXXX ( XXXX ) XXXX Which are the product of Identity theft and in fact colluded with XXXX XXXX to give them my current address and phone number so that they can re-list the fraudulent debt as a new debt. 

Equifax has refused to remove this information 4 times even though the other two credit reporting agencies have removed it right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: MO

Complaint narrative:
I show discrepancies on my credit report. Enhanced Recover '' XXXX '' XX/XX/2016 for {$1200.00} XXXX has account listed as " Charge OFF '' and XXXX has account listed ad " Collection ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: PA

Complaint narrative:
Response on XX/XX/XXXX Report # XXXX to response by XXXX on XX/XX/XXXX I did not apply for no loan with XXXX XXXX  or sign anything with the XXXX dealership giving them permission to run credit by XXXX XXXX for a auto loan. I sign the original credit application with XXXX XXXX XXXX due I had already spoken to them about getting the loan for the new car. I also made it clear only run it with XXXX XXXX and the salesman came back to ask me to run it with XXXX for cheaper interest in which I did that's all that was sign by me. This application sent or done by XXXX XXXX XXXX XXXX made claim by XXXX XXXX on XX/XX/XXXX in which the application is not dated sent by XXXX in which is not my date of birth on that application or driver lic number or social security number is all wrong. I don't no why XXXX responded on XX/XX/XXXX with a XXXX  XXXX Retail Agreement in which is the agreement papers I sign with XXXX XXXX XXXX  not XXXX sent a copy of XXXX XXXX retail agreement in which has nothing to do with XXXX and the application with all the wrong information with no date. XXXX is doing nothing but the run around. with the application mailed to me with no date wrong drivers license number wrong date of birth. I did not sign this application made in fraud by XXXX XXXX   XXXX XXXX. I'm also turning the documents over to my attorney as he has look them over if this issue is not resolved. I'm also filing with the US Attorney office and the documents as proof fraud was committed by XXXX XXXX XXXX as well as XXXX XXXX  by there claim on XX/XX/XXXX in which my documents all show 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 2019-11-29 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: PA

Complaint narrative:
Response on XX/XX/XXXX Report # XXXX to response by XXXX on XX/XX/XXXX I did not apply for no loan with XXXX XXXX or sign anything with the XXXX dealership giving them permission to run credit by XXXX XXXX for a auto loan. I sign the original credit application with XXXX XXXX XXXX due I had already spoken to them about getting the loan for the new car. I also made it clear only run it with XXXX XXXX and the salesman came back to ask me to run it with XXXX for cheaper interest in which I did that's all that was sign by me. This application sent or done by XXXX XXXX XXXX XXXX made claim by XXXX XXXX on XX/XX/XXXX in which the application is not dated sent by XXXX in which is not my date of birth on that application or driver lic number or social security number is all wrong. I don't no why XXXX responded on XX/XX/XXXX with a XXXX XXXX Retail Agreement in which is the agreement papers I sign with XXXX XXXX XXXX  not XXXX sent a copy of XXXX XXXX retail agreement in which has nothing to do with XXXX and the application with all the wrong information with no date. XXXX is doing nothing but the run around. with the application mailed to me with no date wrong drivers license number wrong date of birth. I did not sign this application made in fraud by XXXX XXXX   XXXX XXXX. I'm also turning the documents over to my attorney as he has look them over if this issue is not resolved. I'm also filing with the US Attorney office and the documents as proof fraud was committed by XXXX XXXX XXXX as well as XXXX XXXX by there claim on XX/XX/XXXX in which my documents all show XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: PA

Complaint narrative:
Response on XX/XX/XXXX Report # XXXX to response by XXXX on XX/XX/XXXX I did not apply for no loan with XXXX XXXX or sign anything with the XXXX dealership giving them permission to run credit by XXXX XXXX for a auto loan. I sign the original credit application with XXXX XXXX XXXX due I had already spoken to them about getting the loan for the new car. I also made it clear only run it with XXXX XXXX and the salesman came back to ask me to run it with XXXX for cheaper interest in which I did that's all that was sign by me. This application sent or done by XXXX XXXX  XXXX XXXX made claim by XXXX XXXX on XX/XX/XXXX in which the application is not dated sent by XXXX in which is not my date of birth on that application or driver lic number or social security number is all wrong. I don't no why XXXX responded on XX/XX/XXXX with a XXXX XXXX Retail Agreement in which is the agreement papers I sign with XXXX XXXX XXXX not XXXX sent a copy of XXXX XXXX retail agreement in which has nothing to do with XXXX and the application with all the wrong information with no date. XXXX is doing nothing but the run around. with the application mailed to me with no date wrong drivers license number wrong date of birth. I did not sign this application made in fraud by XXXX XXXX   XXXX XXXX. I'm also turning the documents over to my attorney as he has look them over if this issue is not resolved. I'm also filing with the US Attorney office and the documents as proof fraud was committed by XXXX XXXX XXXX as well as XXXX XXXX  by there claim on XX/XX/XXXX in which my documents all show 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 2019-11-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have No proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose.

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 2019-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have No proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose.

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 2019-11-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have No proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
On XX/XX/2019, I spoke with a representative from CASHNET USA where I was informed there was an outstanding balance of {$360.00}. I informed the representative that I just started working again and asked whether I could split the outstanding balance. I was informed that I could. I agreed to make two payments - one on XX/XX/XXXX ( my first payday ), and the balance on XX/XX/XXXX. I also agreed to pay {$540.00} on XX/XX/XXXX. On XX/XX/2019, CASHNET USA sent me a confirmation email with incorrect information. ( See the message below which I cut and pasted. I will also forward the original message under separate cover. ) On Monday, XX/XX/XXXX I called CASHNET USA at about XXXX XXXX to say that their email had misleading facts and wrong amounts. The representative ( male ) stated he understood the error, he would bump the issue up to a manager/supervisor, and the manager/supervisor would be calling me back that evening. No one from CASHNET USA called me back. I called again on XX/XX/XXXX at about XXXX and spoke to a female representative who informed me that not only do I owe {$540.00}, but an additional {$180.00} along with {$360.00} were all to be withdrawn from my account on XX/XX/XXXX. I tried to impress upon the representative that I would need to get this matter corrected immediately especially since the withdrawal date would be the next day. The representative told me that the issue would be referred to a manager/supervisor and that person would be calling me back that day. Since I had not heard from anyone at CASHNET USA for several hours after my call, I called my bank and asked that an immediate HOLD be put on all payments from CASHNET USA. On XX/XX/XXXX the following amounts were withdrawn from my account ( I receive Social Security ) : {$540.00} + {$180.00} + {$360.00}. = {$1000.00}. I was also confused about the arbitrary amount of {$180.00} and what was that amount based on. How unconscionable was this act from CASHNET USA, not to mention how devastated I was on account of its actions? 

I would like CASHNET USA to ( 1 ) honour the initial payment arrangement, which is {$180.00} to be paid to them on XX/XX/XXXX and {$180.00} to be paid on XX/XX/XXXX. ( 2 ) Since all this money was incorrectly taken from my account, I could incur overdraft fees totalling {$140.00} and request CASHNET USA to accept the XX/XX/XXXX payment of {$400.00}. 

I have been in communication with CASHNET USA when I lost my job and I never shirked my responsibility towards these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have had the same low credit limit for almost three years now despite a perfect payment record and paying off my balance in full most of the time. One of the reasons for not increasing my limit to a reasonable level is that I use too much of my limit each month. However, with such a low limit, even using it just a little results in what looks like high usage. The fact that I pay off the balance in full virtually each month should indicate I can handle a modest increase in this limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
Advance financial ive been paying this company for almost a yr and my balance has not gone down, i pay them around {$410.00} a month and only XXXX $ go towards the balance and the rest goes towards interest, ive asked over the ph several times to stop taking money fro. My account ive spoken with them several times on this issue, ive revoked ach and they're still deducting monies and every 2 weeks its a dif amount and i dont c any of my balance going down its just staying the exact same please help me with this issue thank u

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