vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-23 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: OH

Complaint narrative:
I have had a few issue with account that I do not recognize on my credit report. I am refinancing my home when I found the following accounts : XXXX  XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX # XXXX**** XXXX  # XXXX**** I have requested a re investigation to dispute the unknown accounts I need a copy of my credit report for my own personal review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 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: OH

Complaint narrative:
I have had a few issue with account that I do not recognize on my credit report. I am refinancing my home when I found the following accounts : XXXX  XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX # XXXX**** XXXX # XXXX**** I have requested a re investigation to dispute the unknown accounts I need a copy of my credit report for my own personal review.

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 2019-09-23 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: ARS National Services, Inc.
State: CT

Complaint narrative:
I have found fraudulent accounts or hard inquires in my credit report that I did not authorize such accounts needs to be remove from my credit because they do not belong to me nore I have authorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: FL

Complaint narrative:
After disputing numerous times for equifax to verify XXXX XXXX XXXX XXXX on my report, equifax just update and didn't send no proof from this company that this account is valid. They are reporting this as a repossession, which is incorrect and fail to remove. Told me it was nothing they could do when this has been on my report since 2013. They allowed this company to send false payments reports without verifying. As a consumer I do have rights, especially when the company has used my credit report as leverage over me. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
The debt in question was a total of {$90.00} ; debt collection agent is trying to collect {$83.00} times 3 AND has tried to tell me i also owe my dead over 5 years husbands bills! I attempted to pay the {$90.00} dollars ( 3 copays for XXXX XXXX  that i thought workmens comp would cover ) over 2 years ago to both XXXX XXXX XXXX XXXX directly and to whatever agency had contacted me then for a total of XXXX dollars which included their fees. That agency told me there was NO debt owed and not to worry about it. 
Then i get dinged on XXXX  XXXX 3 times! I called the agency reporting the supposed debt-they were rude nasty and threatening and after they pulled tge XXXX about my late husband i hung up. THAT debts statue of limitations was up over 4 years ago. I want these 3 dings removed and my credit cleared up-your help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio recovery associates claim I owe an old auto debt for which I called for a voluntary repossession to its original creditor who goes by the name of XXXX XXXX XXXX. At that time I lost my job and couldnt pay for the car. Unbeknownst to portfolio recovery associates, XXXX XXXX XXXX has already made their money back through an auction. I know this to be true because XXXX XXXX XXXX sent me the bill of sale. So if they got their money back, why would XXXX XXXX XXXX get a third party to pay them extra money that they already received from the auction? According to my attorney, since the repossession happened roughy 15 years ago, under the statutes of limitations, portfolio recovery associates are not legally able to sue me after 4 years after the repossession happened. Besides, even if they could sue me, I dont make enough money to pay them because I only make {$600.00} a month through my pension and Im struggling as it is to take care of my elderly mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
received online offer on my phone fro XXXX XXXX XXXX XXXX on my phone and charged {$150.00}. never received any email, letter or ordered merchandise. Tried to contact store with number that provided by Capital One Visa Credit Card ( XXXX ) and people on other side did not have any idea about online purchase. Contacted Capital one Dispute Department ( XXXX ) who credited the account for the same amount. later on XX/XX/2019 received the letter that they need supporting document and due to lake of it charge had been restored. I kept calling and explaining there is no receipt no email or any merchandise and their representatives keep repeating themselves due to no supporting document they have to process the charge. 
I just send them a letter and asked to close my account and will not pay the fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XX/XX/XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
Repeated calls multiple times daily, including after hours calls. Informed them to please stop calling as I am on the do not call list and rep stated that is for telemarketers only ... .sorry ... NOT TRUE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XX/XX/19 I received an email from American Express stating that your account had been permanently suspended, that the account has been locked. So I called American Express to find out whats going on, they told me there was suspicious activity on my account and they locked my account, if there was any money on the card that it was gone. My husband just got paid through direct deposit and they closed the account and our money was gone. They sent me three more emails stating the same information and gave me an address to write to them these emails were received on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: ID Analytics, Inc.
State: GA

Complaint narrative:
My identity had been compromise in recent and passed data breaches, accounts are showing in my credit report that do not belong to me, I want to report this in effort to clear my name and remove these item from my credit report, as well as preventing anyone else from opening accounts in my name. I will file a police report soon to support this report, please block these item from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
I am a victim of fraud on my Target Red Card and their fraud department continues to harass me about filing out an affidavit that asks way too many personal questions. They refuse to assist me without it and have hung up on me multiple times. I would like someone from corporate to call me back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I never had an account with them and they wont allow u to open an 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 2019-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: STERLING JEWELERS, INC.
State: NC

Complaint narrative:
I received a letter in the mail with my full name DOB and social security. Stating they are a debt collector named XXXX XXXX XXXX locates in XXXX XXXX CA trying to collect a debt for the amount of {$3100.00} for KAY JEWELERS. Which is false I have not purchased anything from KAYS IN YEARS!!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: LEXISNEXIS
State: GA

Complaint narrative:
My identity had been compromise in recent and passed data breaches, accounts are showing in my credit report that do not belong to me, I want to report this in effort to clear my name and remove these item from my credit report, as well as preventing anyone else from opening accounts in my name. I will file a police report soon to support this report, please block these item from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: RI

Complaint narrative:
This issue all began when SallieMae stopped auto charging my bank account without notifying me. At this point in time, I was diligently making on-time payments ( while in school as they wouldn't allow me deferment ) so I did not realize that the company stopped charging my account until this happened. When I noticed after two months that SallieMae wasn't charging my account, I called them to discuss this issue. Immediately the response I received was negative. The man I spoke with told me that I was in delinquency for months, despite never receiving notice about it. Additionally, he demanded I pay the full amount or I was to be sent to collections. I told him that I couldn't pay the full amount upfront as it was over {$9000.00}. I told them that I would like to stick to my original payment plan, as I will make the continued payments. He became rude and aggressive and wouldn't listen to me. At this point, my father 's credit was affected and now is horrible as he is my cosigner. I am willing to pay this loan, I just can't pay the full amount. I called several times, but the woman I was speaking to XXXX XXXX ( XXXX ) and at first she told me she would help me with arranging a payment plan, this call was today, XX/XX/23 at XXXX XXXX but I need my father present, at the time he was at physical therapy. I called back at XX/XX/23 XXXX XXXX with my father present and suddenly she told me that I couldn't do the payment plan, and I had to pay {$5000.00}. When we notified her that we couldn't pay that amount on such little notice, she became rude and abrasive and tried to hang up on me without continuing the conversation. This left me feeling dejected and alone in my situation. At this point, I asked for the collection departments number so I can speak to them directly and she wouldn't provide me with any information in regards to them. I am very willing to pay off the amount but I need to do it in monthly increments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: Innovis
State: GA

Complaint narrative:
My identity had been compromise in recent and passed data breaches, accounts are showing in my credit report that do not belong to me, I want to report this in effort to clear my name and remove these item from my credit report, as well as preventing anyone else from opening accounts in my name. I will file a police report soon to support this report, please block these item from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2019-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hello, I recently went through a financial hardship this summer. I am a XXXX XXXX XXXX who works only on commission and because it's getting more and more challenging to find clients I was late on making my XXXX credit card payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed this account but was never notified of the results. I tried to dispute again and its just giving me errors on the system this is not the first time this happens. It happened multiple times with other accounts also.

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 2019-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX claim I owe an old auto debt for which I called for a voluntary repossession to its original creditor who goes by the name of capital one auto. At that time I lost my job and couldnt pay for the car. Unbeknownst to XXXX  XXXX XXXX, capital one auto has already made their money back through an auction. I know this to be true because capital one auto sent me the bill of sale. So if they got their money back, why would capital one auto get a third party to pay them extra money that they already received from the auction? According to my attorney, since the repossession happened roughy 15 years ago, under the statutes of limitations, XXXX XXXX XXXX are not legally able to sue me after 4 years after the repossession happened. Besides, even if they could sue me, I dont make enough money to pay them because I only make {$600.00} a month through my pension and Im struggling as it is to take care of my elderly mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have had an account with American Express Bluebird for several years with no issues. then on XX/XX/2019 at XXXX XXXX I received an email that my account was suspended. I wasn't sure if It was a spam mail or not so I called the number on back of my card and it was confirmed by a recorded message to be suspended. I then called the number given in the emails and asked why this happened and the representative I spoke with said he was not allowed to tell me then promptly hung up on me. I am on SSI XXXX and have it setup direct deposit. It looks like I will not be getting my check for XXXX because of this, I need that to pay my rent, electric, groceries, and to travel for several medical appointments coming up. I also had a remaining balance on the card I would like to get back.

Company response to consumer: Closed with non-monetary relief