vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Service, Inc.
State: FL

Complaint narrative:
Asset Recovery Associates continues to call about an account that was paid off years ago. The account is almost 20 years old. They claimed they could see our accounts and that they were going to make sure that my husband ( who was never on the account ) was also going be affected by my debt that was almost 20 years old and paid off by at least 10 years. They also claimed that his job would be notified about the debt. How do we make this stop? 
They also said it would hit my credit report at a certain date and that has passed and its not on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I applied for a car loan thruough XXXX. I just received a denial letter. Whicj is fine. I know my scores are im the high XXXX. In the denial letter some company named XXXX had a way lower score. Who is this company. I have never heard of them. Theu are reporting incorrect information to companies and having companies deny us credit. This is not fair. Csm something be done?

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 2019-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: DISCOVER BANK
State: MA

Complaint narrative:
I worked and followed step by step the identity theft.gov 's way to handle these situations of identity fraud. I sent in all paperwork, every single document requested and needed for these companies to fix these issues and this is the second company to send me a letter stating there is nothing they can do. I want to take the investigation further as I have a very good idea of who the suspect ( s ) are and believe there is a fraud 'ring ' going on but I will finish working on my issues first. So after they received all necessary information to removed the hard inquiries from my credit report which I have worked tirelessly for years to get to where it is they just simply state they don't have enough information help, although all necessary document where sent to them. I had to go through this same process with XXXX ( XXXXXXXX XXXX ) and now because it has been well after the thirty days I have to with the rest of them. I want to thank you for your help with them as they sent out a letter which must have been nearly immediately after receiving whatever they received from you apologizing and removing the inquires so thank you very much. Unfortunately I will be sending four or five ( I cant think of ther exact number right now of how many more they tried to open ) so I apologize in advance for that, I will probably copy and paste this as my hands literally hurt from spending all day on the computer looking up my rights and what I can do etc. So all I want from these companies is for them to remove the inquires from my hard earned credit report and any and all information on the applications etc they have from the fraudulent applications so I can move forward with my case against these criminals. Thank you so much, you guys and the XXXX   site have been unbelievably helpful ; when no one else was.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: MD

Complaint narrative:
COMPLAINT AGAINST XXXX  CARD On XX/XX/XXXX, I paid {$150.00} as monthly payment to my XXXX card account and on XX/XX/XXXX, I paid {$180.00} being my balance on my card.After processing the deposit of {$180.00} my balance was XXXX in terms of payment and my credit card balance was XXXX XXXX.Since that date there was no further transaction on my part. In XXXX I noticed a charge for a late payment of which I confronted them over the telephone. They explained to me that I did make any payment on XX/XX/XXXX which of course I did. Later they withdrew {$15.00} late payment of which they have already taken {$35.00} as late fee. What about the remaining $ XXXX I also saw another charge of which I asked them and they informed me, it is the yearly charges. I disclosed to them that since I paid all my balance, I have not engaged in any transaction so why charge me yearly charges at that time. I asked them to show me previous dates that I have been paying the yearly charges but they could not provide me the information. I later received a mail from them that I have a new balance of {$150.00} and that I should pay a minimum payment of $ XXXX that I should pay today XX/XX/XXXX XXXX.Yesterday I then checked my account online and saw changes that are quite different from the mail I received. On my online account I now have a new balance of XXXX and that I should pay $ XXXX on XX/XX/XXXX.Why the sudden changes? Why the information in the mail is different from the information that is on my online account. So between XX/XX/XXXX when I paid up everything with my balance standing at $ XXXX to now XX/XX/XXXX without engaging in any transaction, my credit balance is XXXX want to close this account but I want a clear explanation as I am totally confused. I am referring my case

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 2019-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: United Debt Counselors, LLC
State: AL

Complaint narrative:
BLUF : This company is using intimidating verbiage to pressure consumers into working with their company. They also falsely claimed they are approved through the FTC, which stated they do not deal with these companies. 

Detailed information : Please see the attached letter that I have received. 

I called the company and they stated that they have approval through the FTC to receive my information from the credit bureaus to send letters to consumers and that their verbiage is also approved. They stated that their information includes any consumer with greater than {$4000.00} XXXX in unsecured credit debt. The company also stated that they negotiate with the credit card companies to pay off balances at up to 40 % off the balance. And they organize a savings account to save up and pay off this amount. The call was possibly recorded by the company, it took place on XXXX XX/XX/2019 around XXXX. 

I did not provide any information to this company. I did not attempt to work with them to settle any debt. I told them I do not have credit card debt with any of the listed banks, especially nothing over {$4000.00}. The employee offered for me to call back and possibly get someone with a working computer, and they could possibly remove me from their contact list. I did not call the company back. 

I found the CFPB after calling the FTC to inquire about their procedures. 

Company information : United Debt Counselors , LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: FL

Complaint narrative:
I contacted Equifax regarding 13 unauthorized hard inquiries I found on my report and asked them to take action to get these inquiries removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue. It has been well over 45 days and not 1 hard inquiry has been removed. They are not cooperating ad it's getting really frustrating because these hard inquiries are affecting me. The hard inquiries listed and all unauthorized.XXXX  XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX. THE XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX FOR MY XXXX AND XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX FOR MY XXXX XXXX  ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2019-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Recently I pulled my credit report and noticed that 2, 30 day lates were filed by Wells Fargo Home Mortgage. It just so happens this is when my home closed and final payoff was received. The house was supposed to close in XXXX but unfortunately was delayed and closed on XX/XX/2017. Well Fargo sent me a confirmation notices of the complete balance being paid on XX/XX/17. They also reported me for being 30 days late in XXXX. This shouldn't have happened and need to have it removed from my credit report. Getting through to someone at Wells Fargo that can actually help you is an act of god.  Please help ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
TRANSACTION XX/XX/XXXX ... .. {$99.00} ON MY SYNCHRONY/WALMART MASTERCARD THIS WAS A FRAUDULENT TRANSACTION AND WAS REPORTED AND THE CLAIM WAS APPROVED BY SYNCHRONY BANK ( LETTER DATEDXX/XX/XXXX ) THE ACCOUNT WAS CLOSED. LETTER DATED XX/XX/XXXX I HAVE BEEN SENT STATEMENTS WITH CHARGES OF THE FRAUDULENT TRANSACTION, FEES AND INTERESTS. I HAVE NOT PAID. 
I WISH THIS TO BE REMOVED FROM MY RECORD FOR THE CREDIT SCORE.

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 2019-05-10 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 contacted TRANSUNION regarding 7 unauthorized hard inquiries I found on my report and asked them to take action to get these inquiries removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue. It has been well over 45 days and not 1 hard inquiry has been removed. They are not cooperating and it's getting really frustrating because these hard inquiries are affecting me. The hard inquiries listed and all unauthorized XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
On Tuesday, XX/XX/2019, I was searching on XXXX for tickets to the XXXX XXXX XXXX at XXXX XXXX for game 3 in XXXX Playoffs. I found an ad that had pictures and information on the  seats, and for how much. The price was {$190.00} for 2 tickets. I had contacted the person to set up a meeting and to buy the tickets. Through text message, XXXX XXXX requested money to be sent through XXXX and would then have the tickets transferred over through XXXX. I transferred the money, and heard nothing back from the person. I never received the tickets and was scammed out of {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I had a XXXX XXXX card card when I lived in Oregon for a number of years. Always paid my bill and was never late and never over the balance. I paid off the card in XX/XX/2018, it was at a XXXX balance. I was scheduled to move into a new apartment at the end of XX/XX/2018. I started to move in and was unable to due to a bug problem and it was delayed for three weeks. Since I paid of the XXXX XXXX credit card I didnt notice it missing until I received the statement and saw the changes, I reported it immediately. I wrote to the FTC, I put a freeze on my credit and I wrote a statement to XXXX XXXX. Not once did XXXX XXXX send me a an acknowledgement letter or a Declaration of fraudulent activity. My case has been investigated twice and denied twice. I asked for the proof they have that those transactions are mine and they refused and told me to submit a subpoena. I have been fighting this for almost three years, my history with them should be enough to show this was not me. I was denied my rights as a consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I spoke to chase visa amazon rewards card 4 times on XX/XX/2019 regarding a purchase I authorized and which was being declined. I was assured at least 2 times through 2 different card representatives that my card would approve the purchase and would be monitored to make sure purchase would go through. It did not. Later that date my card was declined while I was dining out. Now, all my automatic payments set up on that card are being declined. I was told that the card would remain active - why was it deactivated without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a complaint for this earlier this week but accidentally said XXXX when it should have been against Equifax in XXXX. Meanwhile, today I received the attached letter from Equifax AGAIN refusing to remove the fraud alert from my account. Just to reiterate when I submitted earlier, I've apparently had a fraud alert on my report since AT LEAST 2011 because I was denied an apartment in VA because they couldn't get my Equifax report. TO DATE, this fraud alert is STILL on my report. According to their website, it's suppose to automatically expire in 7 years and it's been at least 8 years and it's still preventing me from getting credit BUT IS CAUSING MY CREDIT SCORE TO FALL WHEN A VENDOR ATTEMPTS TO GET THE REPORT. In XXXX, I sent the attached letter to Equifax registered mail along with a copy of my drivers license, passport and utility bill. Both the drivers license and utility bill have my current address which is also shown on my credit report. The attached printout is directly from the Equifax page and it states that I should send ONE document from each of the two sections. From section one, I sent TWO documents, both the DL and the PP. The DL clearly shows the current address. From section two, I sent a current utility bill. Instead of them removing the fraud alert, now they're claiming they need my social security number. As you can see on the letter that I sent to Equifax, I included my SS number and previous addresses for the past 5 years even though NONE of that was required. NO WHERE ON THEIR PAGE DOES IT SAY THEY NEED A COPY OF MY SS NUMBER/CARD. Again, I've been trying to years to get this alert removed from my report BUT EQUIFAX REFUSES TO REMOVE IT EVEN THOUGH I'VE MET ALL THE REQUIREMENTS THAT'S LISTED ON THEIR WEBSITE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I worked and followed step by step the identity theft.gov 's way to handle these situations of identity fraud. I sent in all paperwork, every single document requested and needed for these companies to fix these issues and this is the second company to send me a letter stating there is nothing they can do. I want to take the investigation further as I have a very good idea of who the suspect ( s ) are and believe there is a fraud 'ring ' going on but I will finish working on my issues first. So after they received all necessary information to removed the hard inquiries from my credit report which I have worked tirelessly for years to get to where it is they just simply state they don't have enough information help, although all necessary document where sent to them. I had to go through this same process with CXXXX ( XXXX XXXX ) and now because it has been well after the thirty days I have to with the rest of them. I want to thank you for your help with them as they sent out a letter which must have been nearly immediately after receiving whatever they received from you apologizing and removing the inquires so thank you very much. Unfortunately I will be sending four or five ( I cant think of ther exact number right now of how many more they tried to open ) so I apologize in advance for that, I will probably copy and paste this as my hands literally hurt from spending all day on the computer looking up my rights and what I can do etc. So all I want from these companies is for them to remove the inquires from my hard earned credit report and any and all information on the applications etc they have from the fraudulent applications so I can move forward with my case against these criminals. Thank you so much, you guys and the XXXXv site have been unbelievably helpful ; when no one else was.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10 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: FL

Complaint narrative:
I contacted XXXX  regarding 7 unauthorized hard inquiries I found on my report and asked them to take action to get these inquiries removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue. It has been well over 45 days and not 1 hard inquiry has been removed. They are not cooperating and it's getting really frustrating because these hard inquiries are affecting me. The hard inquiries listed and all unauthorized XXXX XXXX XXXX   Inquiry : XX/XX/XXXX. XXXX XXXX XXXX  XXXX XXXX  Inquiry : XX/XX/XXXX. 
XXXX XXXX Inquiry : XX/XX/XXXX. XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Resurgent Capital ServicesXXXX LVNV Funding LLC wrote a letter dated XX/XX/2019 responding to a validation letter that I sent on XX/XX/2019, I responded with a certified letter and I received receipt that the company received the letter on XX/XX/2019, and as of today 's date I have not received any correspondence. I requested that the company validate the alleged debt and respond within 30 days and neither has occurred.

Company response to consumer: Closed with explanation