vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN

Complaint narrative:
Ace Cashing in XXXX Tennessee Store Number XXXX at XXXX XXXX XXXX XXXX Tennessee cashed checks for person/persons using my identity. They cashed tax returns that was filed fraudulently. XX/XX/2014 using wire transactions. XXXX Treasury XXXX XXXX.Check number XXXX {$400.00}. X/X/14-wire transaction -check number XXXX {$650.00}. My drivers linsence & social security card was stolen. Tax returns are being filed fraudulently & the employees with Ace is cashing checks.The last digit on my drivers linsence was changed by an employee with Ace check Cashing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: NC

Complaint narrative:
I have called all  XXXX  credit bureaus  (   XXXX ,  XXXX , Equifax ) a total of  10  times,   XX/XX/XXXX    ,   XX/XX/XXXX    ,   XX/XX/XXXX    , XX/XX/XXXX   ,  XXXX ,   XX/XX/XXXX    , XX/XX/XXXX   ,  XXXX / XXXX /  XXXX  ,   XX/XX/XXXX    ,  XX/XX/XXXX    . I called to inform them that my reports show  2  bankruptcy filings that do not belong to me that was supposedly filed on my behalf in  XXXX   XXXX , NC. I have disputed this a total of 5 times only for them to come back and inform me they investigated and it was verified, I requested they provide proof of the provider who verified this erroneously reporting and they have yet to tell me. I called the Courts here to confirm that I do not hold a bankruptcy and was told that there is no record of my name and address, also further they verified they have not spoken to anyone from the  Bureaus  to verify such a record exist. I noticed as of today  XX/XX/XXXX  yet another Bankruptcy has appeared on my credit report. I work in consumer finance and have been terminated from my employment as a result of these filings, I have requested from several supervisors to have this removed from all  XXXX  bureaus and they have done nothing at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: NC

Complaint narrative:
I have called all   XXXX   credit bureaus (   XXXX  , Experian,  XXXX  ) a total of  XXXX  times,   XX/XX/XXXX    ,   XX/XX/XXXX    ,  XX/XX/XXXX    ,   XX/XX/XXXX    , XX/XX/XXXX , XX/XX/XXXX   ,   XX/XX/XXXX    ,   XX/XX/XXXX    ,   XX/XX/XXXX    ,   XX/XX/XXXX    . I called to inform them that my reports show  2  bankruptcy filings that do not belong to me that was supposedly filed on my behalf in  XXXX   XXXX , NC. I have disputed this a total of 5 times only for them to come back and inform me they investigated and it was verified, I requested they provide proof of the provider who verified this erroneously reporting and they have yet to tell me. I called the Courts here to confirm that I do not hold a bankruptcy and was told that there is no record of my name and address, also further they verified they have not spoken to anyone from the Bureaus to verify such a record exist. I noticed as of today XX/XX/XXXX yet another Bankruptcy has appeared on my credit report. I work in consumer finance and have been terminated from my employment as a result of these filings, I have requested from several supervisors to have this removed from all  XXXX  bureaus and they have done nothing at all.

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 2017-07-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dear Sir or Madam, It has been a struggle to remove this fraudulent inquiry from Capital One/Saks 5th Ave. On XX/XX/XXXX, I received an alert from hard Inquiry from Saks 5th/Capital One. I never applied to Saks. I called customer service and the rep stated " thank you for bringing it to our attention, we will get back to you ''. It 's been a few weeks and nothing. I need this fraudulent inquiry removed asap. <P/>Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C.
State: PA

Complaint narrative:
The collection agency is Trident Asset Management. The original creditor was XXXX. In XX/XX/XXXX I bundled my XXXX XXXX, XXXX phones and my XXXX XXXX in a bundle plan. All was fine until XX/XX/XXXX when XXXX XXXX increased rates and we went back to cable. I cancelled my XXXX XXXX and continued my service with XXXX. After we sold our home in XX/XX/XXXX I get a bill in the mail from XXXX XXXX telling me I owed them {$240.00}. I called and told them it was paid to XXXX through the bundle. I called XXXX and asked if I owed any money and if there was a problem. XXXX said I did n't owe any money other than my monthly payment. In XX/XX/XXXX I check my credit report which says now I owe {$1000.00}. I disputed this amount. I did n't receive any letters. I called XXXX, who says I do not owe this money. When I called Trident, they hung up on me. I did speak to a rep later that day who told me to go to the website and pay but she did n't offer a resolution letter. I want this off of 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 2017-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: AZ

Complaint narrative:
I had   XXXX    XXXX  on  XXXX  the  XXXX . I have many debts from it and make payments every two weeks. Two weeks ago I got a notice from a collection agency, AARGON, stating I am in collections for an outstanding bill of {$40.00} from a   XXXX   XXXX  . Apparently, m  y   XXXX   came from there. The thing is, I have never heard of  XXXX   XXXX  nor have I ever received a bill from them. I contacted  AARGON  and let them know this. I was told my credit will be ruined if I do n't pay the {$40.00}. All I asked them for was a copy of the original bill. They told me I could find it on their web page. I asked for them to just email it to me. I was told, " I 'm not going to do your work for you. '' So, I went to their website and found my account. The orginial bill is not there. There is just a copy of the notice they sent to me. So I reached out to my doc 's office. They had no information other than   XXXX   XXXX   is a company they use. So I contacted  XXXX   XXXX . They did not have info but told me they would find out. But they have not called me back. I want to get this resolved, do NOT want my credit affected, and feel I have a right to see an original bill from this company. If I owe the {$40.00} I 'll pay it. But I ca n't help but feel they just check out patients and tack on bills to increase their income. Why else would they not send me a bill? I 'm out of pocket over {$6000.00} on this  XXXX . Yes, I can pay the {$40.00}, but the point is I believe I am being mistreated.

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 2017-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc.
State: TX

Complaint narrative:
I 've already emailed Conns 's about not contacting via my cellphone any longer. They will cal repeatedly while I am working and during other personal times. I asked them already to stop contacting via my cellphone but just today they have contacted me 3 times about making a payment that 's only a couple of days past due. I 've tried blocking their numbers but they continue to change their auto dial numbers to get through this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12 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: Innovis
State: ME

Complaint narrative:
Disputed item regards to XXXX XXXX XXXX, previously, in regards to alleged date of first delinquency. XXXX mailed letter, dated XX/XX/XXXX, stating this. According to Innovis credit report, dated XX/XX/XXXX, the item is reporting delinquency as early as XX/XX/XXXX, which contradicts XXXX 's statement. This is a blatant violation of FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: FL

Complaint narrative:
XXXX XXXX - XX/XX/2016 XXXX -XX/XX/2016 XXXX- XX/XX/2016 XXXX- XXXX/2016 XXXX XXXX- XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX- XX/XX/2016 XXXX- XX/XX/2016 XXXX- XX/XX/2016 XXXX-XX/XX/2016 XXXX-XX/XX/2016 These are hard hard inquiries that was made on my transunion report. It was a fraud alert place on my file at that time. and no one called to verfiy my information with me stating these alerts. and now that i 'm trying to purchase my first home these are effecting 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 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was reviewing my credit information with all 3 services and noted that Experian, XXXX and XXXX  are reporting a judgment on my credit report. The judgment was satisfied 3 years ago ( via a payment plan ), and is no longer accurate. I called the County Recorder of deeds in my county ( XXXX County, NY ) and they stated per the NYS Department of Taxation that they do not report tax liens or the status to Credit Reporting Agencies. I then consulted the NYS taxation website and verified that the NYS goverment does not report tax liens/warrants to Credit Reporting Agencies. On X/XX/17 I called Experian, XXXX and XXXX to dispute that a current tax lien satisfaction is being reported by the NYS Taxation or XXXX county recorder of deeds. XXXX, Experian and XXXX contended the information was accurate. I additionally, informed XXXX that the information from their specific report states that the records are furnished by XXXX XXXX. I informed them this information was inaccurate as I do not reside in the county of XXXX XXXX. I have attached the NYS Taxation document stating they do not report tax warrants/liens/judgments to credit agencies and inaccurate information can be disputed.

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 2017-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
My XXXX Credit report shows ERC placed a collection account on my credit file. I am requesting debt validation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX   XXXX . I have Attempted to verify debt. But instead they just switch it to one of the  6  or so other companies they own and have them start harassing me instead of verifying debt. Basically they keep passing it around.   I first tried to get this verified in  XXXX  of  XXXX  and I did not hear anything for a while. Again I tried to get it verified last ( 60 days  )  from an online monitoring program and have yet to receive any verification. Instead a letter threatening to sue for a debt that they have yet to verify is even mine to begin with.   Never providing verification of the debt per FTC guidelines. When I look at my credit report they also have it as a new account. I never entered into any business with them. Per the rules of the FTC if there is a debt it needs to also be reflective of the  ORIGINAL  creditor. Instead they are making up dates as they go which negatively effects my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was reviewing my credit information with all  XXXX  services and noted that  XXXX ,   XXXX   and TransUnion are reporting a judgment on my credit report. The judgment was satisfied 3 years ago ( via a payment plan ), and is no longer accurate. I called  the County  Recorder of deeds in  my county (   XXXX   XXXX , NY  )  and they stated per the  XXXX  Department of Taxation that they do not report tax liens or the status to Credit Reporting Agencies. I then consulted the  XXXX   taxation  website and verified that the  XXXX  goverment does not report tax liens/warrants to Credit Reporting Agencies. On XX/XX/XXXX I called   XXXX  ,   XXXX   and Transunion to dispute that a current tax lien satisfaction is being reported by the  XXXX  Taxation or  XXXX   XXXX  recorder of deeds. Transunion,   XXXX   and  XXXX  contended the information was accurate. I additionally, informed TransUnion that the information from their specific report states that the records are furnished by  XXXX   XXXX . I informed them this information was inaccurate as I do not reside in  the county  of  XXXX   XXXX . I have attached the  XXXX  Taxation document stating they do not report tax warrants/liens/judgments to credit agencies and inaccurate information can be disputed.

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 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was reviewing my credit information with all  XXXX  services and noted that   XXXX  , Equifax and   XXXX    are reporting a judgment on my credit report. The judgment was satisfied 3 years ago ( via a payment plan ), and is no longer accurate. I called  the County  Recorder of deeds in  my county  (  XXXX   XXXX , NY  )  and they stated per the  XXXX  Department of Taxation that they do not report tax liens or the status to Credit Reporting Agencies. I then consulted the  XXXX   taxation w ebsite and verified that the  XXXX  goverment does not report tax liens/warrants to Credit Reporting Agencies. On XX/XX/XXXX    I called  XXXX , Equifax and  XXXX  to dispute that a current tax lien satisfaction is being reported by the  XXXX  Taxation or  Kings county  recorder of deeds.  XXXX ,  XXXX  and Equifax contended the information was accurate. I additionally, informed   XXXX   that the information from their specific report states that the records are furnished by  XXXX   XXXX . I informed them this information was inaccurate as I do not reside in  the county  of  XXXX   XXXX . I have attached the  XXXX  Taxation document stating they do not report tax warrants/liens/judgments to credit agencies and inaccurate information can be disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
The billing information for my promotional balance of my credit card was not provided via the account webpage that purported to contain all of my account information resulting in me being charged {$400.00} in interest that could have been avoided had I been provided with the same information provided in billing statements. I signed up for paperless billing and I am directed to the homepage of my profile each month to make my monthly payment. I do not see the " paper statement '' that is sent nor am I prompted to review said statement prior to making my payment. Instead, I visit my account home page that contains my transaction history, payment information, due date, etc. I also look for messages regarding my account in the electronic messaging system. To my surprise, having received no notice via the messaging system or my account homepage, I have been charged over {$400.00} in interest because of promotional balances that have allegedly not been paid off. I did not receive anything electronically notifying me that the expiration period was upcoming or that I risked being charged these amounts. Had I known of these issues, including the fact that there was remaining balance on the promotional amounts, I would have made sufficient payments to avoid these interest payments. It is disingenuous that the homepage purports to represent pertinent account information, but this issue is hidden in a statement that requires to be downloaded. This information should be readily available on the account homepage as is all other important account information. It should be far harder to find what my XXXX Rewards balance is than to find information that exposes me to {$400.00} plus in interest. <P/>The failure of the resolution of this matter has led my account be over the limit and the cardholder closing my account without notice.

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 2017-07-12 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: FL

Complaint narrative:
I was applying for my first mortgage and when my credit report was pulled it was brought to my attention that inquiries was still on my credit report. from all sorts of auto companies pulling my credit, and I do n't even have a drivers licenses only a state I.D and this is really stopping me from purchasing my first home. The inquiries are as followed. XXXX-X/XX/2016 XXXX XX/XX/2016 XXXX XXXX- XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016, XX/XX/2016 XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXXXXXX XXXX XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016

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 2017-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX representing Midland Funding have been harassing us for over 2 years. We went to court on XX/XX/XXXX and settled for {$1200.00}. We were making {$100.00} payments a month to the address that we were given. All of a sudden we started receiving letters from another attorney stating we never made these payments and that we owed over {$1700.00}, we went ahead and made to more payments in the amount of {$100.00} each and again several months later we received a letter from another attorney stating the same thing. They tried to serve us again in XX/XX/XXXX, in XXXX XXXX they would n't let us pay the amount owed and we ended up paying another {$1600.00} to close the account. Now the account showed up on my father in laws credit and they are claiming it was n't paid. We have all the paperwork they have sent along with receipts of our payments and yet they continue to harass us and are trying to serve us again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MA

Complaint narrative:
At the end ofXX/XX/XXXX, I submitted my annual recertification paperwork and required supporting documents. I checked off the box asking to be changed to a different loan repayment plan if there was one available with a lower monthly payment. I was then notified at some point that there was a different plan with a lower monthly plan. It was never explained to me that switching plans could take multiple months to process and in that time I could not make qualifying payments, or that I had the option at that point to cancel my request and stay with the same plan. I have not been able to make a qualifying payment towards the public service requirement for XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. I have made multiple phone calls to ensure that they have everything they need, to find out why it is taking so long to process. Every representative I have talked to has given me different information. I called on XX/XX/XXXX after receiving an email on XX/XX/XXXX, that my payment for XX/XX/XXXX would be over $ 3k. the Representative I spoke to at that time told me they would submit my forms for expedited processing and that they did not know why my application was so delayed. I spent 45 minutes on the phone with them. I called again on XX/XX/XXXX to check the status of the expedited processing request had happened. I spoke to a supervisor who informed me she would send and expedited request, because the representative on the XX/XX/XXXX did not do so. I called again today and the process still had not been completed.

Company response to consumer: Closed with non-monetary relief