vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pendrick Capital Partners Holding, LLC
State: FL

Complaint narrative:
I set up a verbal arrangement XXXX a month. At the end of each month. I call XXXX XXXX to make my payment by phone using my debt card. I started receiving call the first or second week in XXXX. I called back and this man answered XXXX XXXX. I answer yes, who am I speaking with. He gave me only his first name. I can give you to XXXX she is in. I asked where are you calling from. He would never answer just kept saying XXXX is in I am going to transfer the call. I hung up. Pendrick Capital Partners XXXX XXXX XXXX has been calling 2 to 3 times a day using different phone numbers most of them have been XXXX area code. That is this local area code. I have blocked there numbers. I have been thinking about offering a settlement. But when this started happening, it just burned me up. I do the right think and then you run into a very unprofessional and doing things illegal. I believe new partner company needs to go over the collection laws. 
Should you have any questions please feel free to call me XXXX cell Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: FL

Complaint narrative:
equifax, XXXX and XXXX  has an account on my credit report that is not mine/inaccurate. 

account XXXX XXXX XXXX XXXX, this account is not mine and i did not give equifax, XXXX  or XXXX  my permission to report said account.nor was i notified that this account would be posted to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: FL

Complaint narrative:
XXXX, transunion and XXXX has an account on my credit report that is not mine/inaccurate. 

account XXXX XXXX XXXX XXXX, this account is not mine and i did not give XXXX, trainsunion or XXXX my permission to report said account.nor was i notified that this account would be posted to my credit report.

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 2019-11-15 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: FL

Complaint narrative:
XXXX, XXXX and experian has an account on my credit report that is not mine/inaccurate. 

account XXXX XXXX XXXX XXXX, this account is not mine and i did not give XXXX XXXX or experian my permission to report said account.nor was i notified that this account would be posted to my credit report.

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 2019-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XX/XX/2019, I applied and was approved for a Capital One Spark cash back credit card. The card offered 2 % cash back and offered a large welcome bonus after spending {$50000.00} within 6 months of account opening. I earned a total of {$3500.00} in cash rewards. In early XXXX, Capital One closed my account. I called to ask why and was told it was because I had a returned payment. This isn't true, as evidenced by account history. I asked again why my card was shut and was given a generic response regarding a " fraudulent '' transaction. This too is untrue, all charges are valid and I never reported fraud. Capital One refuses to honor my rewards balance of {$3500.00}. I requested it be applied to my card balance on multiple occasions within days of account closure. They have refused. This is simply stealing money from me. Capital One continues to bill me interest on my full balance, which should be reduced by the amount of my rewards balance. Capital One has not provided an honest reason my account was closed and has seized the rewards I earned legitimately, moreover they have lied regarding the reasons for the closure. This is unconscionable conduct. I understand they have the right not to do business with me, but that shouldn't give the bank the right to steal what I have earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I set up a verbal arrangement XXXX a month. At the end of each month. I call Phoenix Financial to make my payment by phone using my debt card. I started receiving call the first or second week in XXXX. I called back and this man answered XXXX XXXX. I answer yes, who am I speaking with. He gave me only his first name. I can give you to XXXX she is in. I asked where are you calling from. He would never answer just kept saying XXXX is in I am going to transfer the call. I hung up. XXXX XXXX XXXX / Phoenix Financial has been calling 2 to 3 times a day using different phone numbers most of them have been XXXX area code. That is this local area code. I have blocked there numbers. I have been thinking about offering a settlement. But when this started happening, it just burned me up. I do the right think and then you run into a very unprofessional and doing things illegal. I believe new partner company needs to go over the collection laws. 
Should you have any questions please feel free to call me XXXX cell Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: TX

Complaint narrative:
Im refinancing my home. The lender sent federal loan estimates with lender credit. The title fees ended up being less expensive and now they trying to decrease the lender credit by a proportional amount. From what Ive read this is a TRID violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: CA

Complaint narrative:
Trident asset management is charging me XXXX $ that does not being me and it keeping me front get a apartment & homeless it need it removed I was a victim of identity theft & I have a police report XXXX XXXX XXXX is charging me XXXX for dental work I didnt receive went for a cancellation and they are killing my report XXXX $ XXXX XXXX is charging me XXXX For jewelry I never had I was a victim of identity theft this is so wrong

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FRAUDULENT ACCOUNTS HAVE BEEN OPENED IN MY NAME WITHOUT MY PERMISSION OR KNOWLEDGE. MY INFORMATION MAY HAVE BEEN INVOLVED IN A BREACH BECAUSE I HAVE NOT APPLIED FOR A NY CREDIT OR OPENED ANY NEW ACCOUNTS

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 2019-11-15 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: TX

Complaint narrative:
FRAUDULENT ACCOUNTS HAVE BEEN OPENED IN MY NAME WITHOUT MY PERMISSION OR KNOWLEDGE. MY INFORMATION MAY HAVE BEEN INVOLVED IN A BREACH BECAUSE I HAVE NOT APPLIED FOR A NY CREDIT OR OPENED ANY NEW ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: TX

Complaint narrative:
FRAUDULENT ACCOUNTS HAVE BEEN OPENED IN MY NAME WITHOUT MY PERMISSION OR KNOWLEDGE. MY INFORMATION MAY HAVE BEEN INVOLVED IN A BREACH BECAUSE I HAVE NOT APPLIED FOR A NY CREDIT OR OPENED ANY NEW ACCOUNTS

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 2019-11-15 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: FL

Complaint narrative:
FRAUDULENT ACCOUNTS HAVE BEEN OPENED IN MY NAME WITHOUT MY PERMISSION OR KNOWLEDGE. MY INFORMATION MAY HAVE BEEN INVOLVED IN A BREACH BECAUSE I HAVE NOT APPLIED FOR A NY CREDIT OR OPENED ANY NEW ACCOUNTS

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 2019-11-15 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: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
My Target Red Card credit card account # : XXXX has fraudulent transactions/charges on the account. My Target was lost/stolen and all the charges and transactions on the account are fraudulent and unauthorized. Target is trying to hold me responsible for fraudulent and unauthorized charges on my Target Red Card account that dont belong to me and isnt my charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
FRAUDULENT ACCOUNTS HAVE BEEN OPENED IN MY NAME WITHOUT MY PERMISSION OR KNOWLEDGE. MY INFORMATION MAY HAVE BEEN INVOLVED IN A BREACH BECAUSE I HAVE NOT APPLIED FOR A NY CREDIT OR OPENED ANY NEW ACCOUNTS

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 2019-11-15 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: TN

Complaint narrative:
FRAUDULENT ACCOUNTS HAVE BEEN OPENED IN MY NAME WITHOUT MY PERMISSION OR KNOWLEDGE. MY INFORMATION MAY HAVE BEEN INVOLVED IN A BREACH BECAUSE I HAVE NOT APPLIED FOR A NY CREDIT OR OPENED ANY NEW ACCOUNTS

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 2019-11-15 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: MN

Complaint narrative:
My XXXX  XXXX XXXX credit card # : XXXX is lost/stolen and has fraudulent and unauthorized charges on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: MN

Complaint narrative:
My XXXX XXXXXXXX XXXX credit card # : XXXX is lost/stolen and has fraudulent and unauthorized charges on the account.

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 2019-11-15 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: MN

Complaint narrative:
My XXXX XXXX XXXX XXXX VISA credit card # : XXXX is lost/stolen and has fraudulent and unauthorized charges/transactions on the account.

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 2019-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
We called to have Equifax release the freeze we have on our credit information in order to apply for refinance of our home mortgage. They claim I have not properly identified myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: TX

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX my Wells Fargo checking account was hacked and somebody paid XXXX dollars bill to another bank. The problem is that On my checking account I just had XXXX dollars and WF allowed overdraft from my Wells Fargo credit card that was XXXX dollars. I went to a bank branch and opened a claim ( XXXX ). In 10 days Wells Fargo denied my claim and said that I did that myself. I went to a branch again and opened another claim ( XXXX ) on XXXX XXXX Now I am waiting for the Wells Fargo response . 
However, Wells Fargo sent me a credit account t statement and want me to pay fees and interest. I am not guilty that somebody stole my money and that Wells Fargo allowed such a huge overdraft. Could you please help me. 
I want to report this incident to press and give an interview about how Wells Fargo treats its customers. 
Thank you so much for your understanding.

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 2019-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: UT

Complaint narrative:
Ic systems keeps trying to cole t a debt for XXXX $ i disputed this with XXXX  and XXXX and i know XXXX  removed it because i proved my insurance paid for it. Please contact XXXX  and have them provide such info

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 2019-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
pressler and pressler is trying to collect on a defaulted judgement for which i wasn't properly served or aware of. My research shows that the cfpb has a consent order against them for repeated unethical practices. Case is from 2006 and i was never notified that they pressler and pressler ( XXXX  XXXX  XXXX ) were my creditors and that action was taken to collect debt owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I contracted XXXX XXXX  owned by XXXX XXXX. Her and XXXX who claimed was her assis XXXX   took on the case. I hired because I suspected my partner/future fianc was acting out of the ordinary. 

I deposited via XXXX 750-1000 approx. for retainer. 
THe only service I authorized and wasn't made aware of the charge ( {$300.00} ) was phone trace to identify who my ex had spoke to at work. 

I was charged for countless services, unauthorized, not quoted amts. 
There was agreement that I had to authorize via email to proceed with anything. 
I asked numerously for invoice, XXXX and XXXX disregarded never sent. 

At end I was charged approx. {$5000.00} not including retainer for a phone trace. 
I enclosed email communication. 

Also evidence XXXX XXXX threatened to break confidentiality if I disputed with credit card co.. This illegal. I included copy of email. 

I tried coming to solution, they wouldn't have it. With XXXX  I sent them via fax the emails. THey didn't reimburse me. 

This was XXXX. 

Just recently my father called me told me that he received court order from Midland Funding in AZ to garnish wages for {$16000.00}. THey purch debt from XXXX XXXX- XXXX and XXXX her husband I just found out, added interest and original amount XXXX collected from XXXX XXXX 

I researched both parties. XXXX and XXXX are in multiple lawsuits, been in jail, drug charges, XXXX instigates husbands to cheat to get evidence for clients, has her daughters as well. XXXX lies like he's only an employee, when is husband. 

Midland funding also multiple lawsuits for frivolous lawsuits and being investigated by the state.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: MS

Complaint narrative:
My loan was sold to SST due to the company by the name of XXXX XXXX XXXX no longer in business. During this time due to the transition of my loan it got behind not knowing where the loan was being serviced. I finally got a letter from SST and contacted them they advised me to pay {$25.00} in an extension and my loan would be current. Well the following month this was not the case. I get a statement showing that I was still behind and the money took was not for the loan it was just for the application for applying for an extension that was never approved but I never got a call nor a letter stating either one so therefore I was never aware of where this loan status as far as I was concerned when I paid the agent he said I was current cause I had paid the money required to extend my loan. I called SST and they tell me that my loan extension was declined the day before I applied for the extension this did not make any sense then they put me on hold again and said well we tried to call you but we never got you well I have voice mail so that is not the case. Then after that she put me on hold again and made up another excuse that clearly did not make any sense whatsoever. Now my loan is over 100 past due to to the misinforming of the staff carelessness. I am getting nowhere with this company they took my money on false pretense and acted as if it was not big deal. Then made up an excuse that clearly was out of the ordinary just to get out of the extension now I am out of {$25.00} paid which by the way was denied the day before I applied for the extension which makes absolutely no sense whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Letters were sent in XXXX, XXXX, and XXXX requesting for accounts to be removed. Also there were late payments reported for XXXX XXXX that were never late. I have requested that the information be removed from my account as it negatively affects my credit. They have sent generic verified responses or haven't responded at all to my letters providing information on how it was verified, the original note, or anything. I have demanded that the information be corrected and removed.

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