vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: VA

Complaint narrative:
The problem is excessive phone calls from a debt collector. 

XX/XX/XXXX I was contacted by Diversified Consultants, Inc. concerning an outstanding loan from XXXX. The loan balance now is {$1500.00}. I started making payments of {$30.00} a month XX/XX/XXXX. I was in formed by DCI that if my payments were not secure tbey have the right to call me either everyday or every month. I declined the offer. 

Each month I was asked for permission to access my account and I would decline. In XX/XX/XXXX I made my payment and was asked again. I declined. XX/XX/XXXX i started receiving calls from DCI when the phone would ring 1, 2, 3 times and the party would hang up. Below is the list of dates and times of calls : XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX  XXXX. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX. XXXX, XXXX XXXX XXXX  On XX/XX/XXXX, i called DCI about the calls and a male introduced himself as a manager. I told him the problem and he repeated that they have the right to call me because my loan is not secure. I then asked if it was part if their policy to let the phone ring and hangup. I then hung up. 

I understand their having the right to call but it is harassing to call the way they are calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
2019/XXXX/XXXX  Received letter dated 2019/XXXX/XXXX, stating " We have received a request and added to your credit report an Extended Fraud Alert. '' 1.  WHO/WHAT/WHEN/WHERE/HOW requested to ADD the fraud alert? I have actually called numerous times to REMOVE, not add. 
2. Provide US based customer service direct phone line, not some generic line where there is no way to talk to humans. Provide 2 names and phone numbers that I can reach directly.

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 2019-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
LVNV Funding LLC # XXXX has been seeking payment on a debt not owed. 
They are a debt collector. It is on all my three bureaus and want it removed asap.

The debt was discharged.

The amount is {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: GA

Complaint narrative:
Hello I was contacting yall because I went to try and get a car and my was not approved. I'm trying to see how there are things on my credit that is not mine. Can you please take off these accounts. I have contacted the FTC and I contacted the police. I'm doing this on my own behalf. XXXX XXXX, XXXX, and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: PA

Complaint narrative:
In the fall XX/XX/XXXX semester, I had attended one university, and then later transferred to a new university for the Spring XX/XX/XXXX second semester. I withdrew from first university, but enrolled as a full time student at  new university. Granite State management on XX/XX/XXXX, notified me that my enrollment had changed to withdrawn or had dropped below a full time student, I immediately contacted them and was able to provide all the correct documents to show that I was in fact still a full time student, but had just transferred. We were able to work through the issue and my loan was put back in deferment. On XX/XX/XXXX, they contacted me again stating that my enrollment had changed yet again, which it had not. I checked with the university and I was still enrolled full time and even already had my enrollment confirmed for the fall XX/XX/XXXX semester, which I had provided when the first time the company contacted me on XX/XX/XXXX. 

I call the company again immediately and they refused to even look at my current enrollment and said they were unable to help. They offered for me to fill out deferment paperwork again, which I did, but they will not listen to me that I believe that they are using my former university 's status of my enrollment, and not the school I had transferred to. 

This reoccurring issue is ridiculous and they are unwilling to listen and provide me with any information. They blame the university, tell me to call them, although that is far from the case. This issue could easily be resolved, but they seem to be making it very difficult to be able to work through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
When trying to transfer money from my Chase account to my external XXXX XXXX XXXX account it was placed on a security hold. 
When I called up to release this temporary hold, I was asked 3 security questions.

The system did not accept one of the answers, and now my online account is frozen.

Chase has said the only way to resolve this, is to go to a Chase Bank, with 2 forms of ID.

I live in the XXXX  ( XXXX ) and can not walk, and I have not been in a Chase bank in the USA in 4 years. 

Chase are asking me to take time off work, fly to America, and show them ID, so I can access my own money? 

They are happy to verify me on the phone and discuss my account in detail, but they will not unlock my online account. 

Not acceptable. 

I have called and spoke to countless supervisors, security teams etc and the answer is the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ

Complaint narrative:
Bayview is using an unlawful loan modification to attempt to collect on a debt that exceeds their statutory rights. 

They continue to conspire with Ms XXXX to cause harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
Recently I received correspondence from a collection agency ( Convergent Outsourcing ) regarding an alleged {$360.00} debt owed to XXXX. This is not a valid debt. 

On MXX/XX/XXXX, XXXX mistakenly initiated an electronic financial transaction debiting my account at XXXX XXXX in the amount of {$18000.00}. My account was locked down as a result, and I was unable to pay my other bills. Despite the fact that I repeatedly contacted XXXX regarding their mistake immediately after the XX/XX/XXXX debit, XXXX again attempted to initiate an electronic debit from my account in the amount of {$18000.00} on XX/XX/XXXX. 

As I had after the first improper debit, following the second transaction I called, texted, and visited XXXX local office in person. Because of these improper actions by XXXX, I was forced to cancel my direct deposit into my bank account, to purchase money orders to pay some of my other bills, and I had to spend a great deal of time and energy resolving other issues related to the improper debits. Shortly thereafter, I cancelled my cable service through XXXX. After speaking with the several individuals, including the manager, I was assured that my account with XXXX held a XXXX balance and that I owed no money to XXXX. On XX/XX/XXXX while visiting the local XXXX office to verify that I owed no money to XXXX, I reviewed my account status with XXXX representatives and was again assured that my account held a XXXX balance. 

Then this spring, I received a notice from Convergent Outsourcing seeking to collect {$360.00}. This is not a valid debt.

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 2019-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
IQ DATA INT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, WA-XXXX Has placed a false debt on my credit report for {$110.00} on XX/XX/2017. 
Previous to that, they had sent me a letter stating I had 30 days to respond. I sent a letter within the 30 days asking them to prove to me that this was a valid debt, I also spoke with them over the phone and told them this is not a valid debt and it's not mine. 
They did not ever send me any proof that this was in fact a valid debt. 
I want this debt removed from my credit file. I have also sent in disputes to all 3 credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
Ive received several letters from this collection office and we guards to collection of a gym membership. I have disputed the amount of this collection and they refuse to send me documentation proving the amount owed that they claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
This is the 2nd time that this company fails to report accurately. Current XXXX/XXXX credit report shows : 1. Last payment as XX/XX/2019, this is wrong last past was XX/XX/XXXX, and the balance to the account wrong. The account is current right through today XX/XX/19 2. Hyundai fails to report accurately on scoring, missing 2 months of scoring. This affect overall credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: GA

Complaint narrative:
Hello I was contacting yall because I went to try and get a car and my was not approved. I'm trying to see how there are things on my credit that is not mine. Can you please take off these accounts. I have contacted the FTC and I contacted the police. I'm doing this on my own behalf. XXXX XXXX, XXXX, and 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 2019-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: FL

Complaint narrative:
I have been trying to get this off of my credit since it first appeared on there because the debt is not valid. I had/have medical insurance that covers me 100 % and the doctor who reported this to collections never billed my insurance company to pay the bill because I don't know why. My insurance company contacted the debt collector to inform them of what happened and why that debt is not my responsibility and verified that I had active insurance at the time of service and still currently do. The collection company said that they were going to handle it and it would be removed from my credit within 30 days but that has yet to be done and it is affecting my credit score by 70 points. Which is now affecting me being able to get a car loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
Disputed The Company Bridgecrest on my credit report several times because it was not my account. Someone had stole my identity ( my ID and SScard ) and purchased some credit cards and a car loan in my name. Tried to do the right thing and reach out to the company. A young lady called me after reporting it by the name of XXXX. Seemed nice at first. She told me to send them a copy of my drivers license, sscard a notarized identity theft affidavit and that should clear things up and they would take it off. She then sent a email and a letter to my house explaining the same 3 things to fax to them. I did exactly what she asked of me to do and then she called me back stating they needed some more documentation showing bills front hr past few years and etc and that would help with my case. I told her it was ridiculous! Something told me to go online and look this company up and when I did, I haven't seen not one good comment about them. I even saw where someone who actually had a actual account with them paid off their loan and they still put it on their credit report as not paid off. I am tired of battling with this company trying to prove to them that the account with them is not mines. They are being stubborn and yes, when I called in to ask for XXXX they were very rude on the phone. I couldn't believe it! I now have to waist money and seek legal help with this company from their unprofessionalism!

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 2019-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
A student loan with Chase bank, they sold there accounts to XXXX - which now holds my account. This happened back in 2013. Though I have made numerous attempts to contact them, they do not respond and they tell me know one works in that department any more so there is no one to contact. Because of this, instead of saying sold on my credit report it shows that I am very behind on payments and it is hurting my credit. I have called them and mailed letter, and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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 — Was not notified of investigation status or results
Company: MRS BPO, LLC
State: FL

Complaint narrative:
They do not have the identity of the original creator. They do not have the license in the state of Florida, and they have not given me my license numbers and registered agent. And we have already send two letters to take away the negative account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello I have old information XXXX XXXX XXXX, XXXX XXXX and 2 collections from XXXX XXXX XXXX and XXXX XXXX XXXX I never had these accounts ant XXXX  XXXX  I never heard of Im a XXXX XXXX  XXXX. Im so busy busy and I cant keep account of my life. Please help me remove this old information and these negative accounts thats not mines XXXX XXXX XXXX XXXXXXXX {$550.00} {$350.00} 158 % Revolving Negative XX/XX/XXXXXXXX XXXX XXXX XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Real Estate Paid XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX {$1300.00} {$1300.00} XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$450.00} {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
Someone has stole my identity and purchased a 2018 XXXX XXXX with Classic XXXX XXXX in XXXX, TX. The used Bank of America as their autoloan on XXXX XX/XX/2018 in the amount of {$50000.00}. 

I called the Bank of America on XXXX XXXX to dispute this action and they have no done any investigation on this yet. It was said they were going to report this higher and that they will give me a call 48 hrs later on their findings. 

I called the XXXX XXXX XXXX and they have confirmed that this was an identity theft when someone called in their store around a week ago of a person trying to sell this vehicle to them, but they notice that the name of the seller and name of person who owned the vehicle did not match. 

I have taken the steps in FTC to try and resolve these credit issues and fraud attempts. 

XXXX XXXX, I have filed a report to the XXXX Police Department on this. Report # 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 2019-05-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello Im trying to have inaccurate inquiries removed from my report and please dont place any fraud alert im in the middlle of buying a home. I also see that having a fraud alert dosent help. Please remove these all in basically back to back. its several i want tem all removed without a fraud alert XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX 2 times, XXXX 2 times, XXXX XXXX   please i didnt apply for these Thank you

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 2019-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
- Last XX/XX/2019, an unknonw user, intentionally or unintentionally, has opened a Paypal account using my owned email XXXX ( together with other personal data I had no visibility at all ) - Then, I received a Paypal email requesting me to confirm my email address for the just created Paypal account, email that I never confirmed. 
- On the following days, I reported Paypal both by phone and by dpo@paypal.com ( Data Protection Office ) email, that I wanted to unlink my email address to the recently opened Paypal account. And I was replied that : 1. It was possible to send paypal money from account whose email has not been verified ( but not receive money ) 2. I can not remove my email from the Paypal account ( I was suggested to open another XXXX account ) or take control of it as the " forgot password '' link requests all the personal data at the time that the account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: OH

Complaint narrative:
I submitted a letter to Equifax asking them to provide me with the information they have obtained to validate the accounts that are currently listed on my credit report. There are numerous accounts listed on my credit file that are inaccurate, multiple listings and accounts that are to old to be on file. As of today, Equifax still have not provided me with the information that I requested of them. Attached is the letter that I sent to them.

Company response to consumer: Closed with explanation