vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
Firstly, I am certain I have no debt other than my student loans, which are currently being handled by an unrelated credit service, and that these claims must be baseless. 

On XX/XX/18 Recievables Performance Management ( XXXX XXXX XXXX XXXX Suite XXXX XXXX, WA XXXX ) began calling my mother 's phone from XXXX ( XXXX ) XXXX and asking her to confirm my identity. They refused to identify themselves or why they were calling, and did not attempt to contact me via mail or telephone before contacting her, despite the fact that they told her they already had my address and phone number ( all violations of the Fair Debt Collection Practices Act ). 

On XX/XX/18 they called me for the first time but I missed the call. I immediately called them back and after confirming my identity they claimed they were going to transfer me to a representative. After the transfer I was played a message that no representative was available. I called back a second time later and the same thing happened. I called back a third time and they rudely hung up on me. Keep in mind that THEY STILL HAVEN'T TOLD ME WHAT DEBT THEY ARE ATTEMPTING TO COLLECT ( also a violation of the FDCPA ). I called back a final time and told them that I was going to block their number and I did. I also filed a complaint on their website ( http : //www.receivablesperformance.com ) explaining everything that I have explained up to this point and requesting that they confirm the debt in writing as required by law or cease communication. 

It was at this point that they began to use burner phone numbers in an attempt to circumvent our blocks and continue harassing us after I specifically requested that they either provide written verification of debt or cease communication ( their refusals to do either of these things are also FDCPA violations ).  Both my mother and I have now recieved multiple calls from multiple numbers over the past 2 months, all tracing back to RPM in Washington, including : XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX They have still to this day NEVER sent me written notification or verification despite having my address, nor have they ever told me who they claim I owe, or how much. Nothing but constant annoyances bordering on harrassment and intimidation. 

I believe them to be comitting at least 6 violations of the Fair Debt Collection Practices Act ( failure to identify themselves, failure to notify in writing, failure to give the name and address of the original creditor, failure to cease communication upon request, communicating with consumer after request for validation has been made, failure to provide verification of debt within 30 days of written request ).

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 2018-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2018 I noticed 3 unauthorized charges on my checking account. It was 3 separate transactions done at XXXX XXXX at XXXX XXXX  for {$720.00}, XXXX XXXX for {$560.00}, and at XXXX XXXX for {$760.00}. I checked my account at around XXXX XXXX that same day and upon noticing the charges I immediately called my husband to let him know what was happening. I also asked my boss to let me go down to the Chase bank down the street, he said yes. Once I got to the Chase branch they called the help line for fraud, they asked if I still had my debit card on me and I said yes, because I did and I showed it to the banker. I asked her how this was possible if I still had my debit card on me and she said it could be something called " skimming '' and she advised me to use my credit cards for all purchases from now on. I was told by the person on the phone that they could email me an affidavit that they needed me to return signed so that they could open the investigation. I agreed to having it emailed.Five days later ( XX/XX/2018 ) I had not received anything to my email so I walked into another branch where someone assisted me and they fax in the signed affidavit ( where I say that I am in possession of my card, and that NO, I have not given my pin to anyone else nor did I approve {$2000.00} in charges at XXXX XXXX ). I was assured that Chase would look at everything, and investigate thoroughly before making a decision on the claim. Today, XX/XX/2018, my husband ( who is a joint owner of the checking account ) received a letter in the mail saying that the claim had been resolved. We called the number on the paper, once we got someone on the line they told us that the claim had been denied. It was denied because the card had been used with the chip, and there was no incorrect tries entering the pin. I've asked if they can say with 100 % certainty that a chip reader was used, they wont tell me. My husband asked why does the checking account say that the transactions happened at a XXXX XXXX in XXXX XXXX, but when you click on it for details it says it's located in XXXX, TX which is actually almost 3 hours from where we live? I explained that I was at work the whole time with my card, while these transactions were happening and I have time sheets/location services that can prove it. They are still denying my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: R & R Collection Service, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 2018 For a medical debt for XXXX XXXX XXXXXXXX for the amount of {$1000.00} XXXX XXXX XXXX XXXX XXXX makes calls to my husband several times a week with threats of jail time and harassment in general. My husband tried to make payment arrangements with this creditor but the same man who continued to call him said no we need it all now. 
We received a letter from an attorney saying we have not tried to pay or make arrangements to pay the debt and we have. We do not want R and R to contact us by phone any longer.

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 2018-11-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: MoneyLion Inc.
State: VA

Complaint narrative:
I have contributed over {$670.00} to my MoneyLion Investment account, not including the profit from investing or the extra {$1.00} per day login credit. On XX/XX/2018 I initiated my first ever transaction on this account by transferring {$200.00} and depositing it into my MoneyLion Checking account. After the transfer, my balance dropped to around {$490.00} which seemed accurate. A few days after my withdrawal of the {$200.00} I wanted to withdraw {$400.00} from my account but received an error. I tried over a span of a week and still was unable to transfer the funds even for lesser amounts like {$100.00}. I attempted to contact Moneylion over 3 times through chat and over the phone and still did not get an answer as to why I was getting an error. Recently my Investment account dropped from over {$490.00} to {$250.00}. I tried calling, emailing, reaching them through the chat via the app and through facebook messenger for two weeks and they have not given me any information regarding this issue. I really liked this company because it helped me finally build savings, but all the money that I contributed is gone.

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 2018-11-03 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: AR

Complaint narrative:
Reason for Dispute : I believe that these account inquiries are invalid. I did not authorize these inquiries. Please validate this account in its entirety or remove this entry from my credit report. Thank you. 
Hard Inquirie ( s ) : XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: Angel Oak Mortgage Solutions LLC
State: CA

Complaint narrative:
Angel Oak Mortgage continues to pull hard inquiries on my XXXX  report every 30-60 days even after filing a complaint, reporting it, and they responding they were not engaging in pulling my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL RESOURCE MANAGEMENT, INC.
State: NY

Complaint narrative:
This debt does not belong to me. And i never and was not able or available to use ambulance at the time of the debt. Because i was imprisoned at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
There are a few issues with XXXX XXXX : 1 ) I keep getting correspondence from them about two loans ( identified by account numbers in the next section ). Only one was even reporting on just one of my credit reports ( XXXX ) -- and that one was deleted for being unverified, which to this day it still is. The total amount for this ONE loan account was about {$260000.00}. Insanity! They are still contacting me about this loan even after it's been deleted from my XXXX  report. I've even gotten a late payment notice with an amount past due of {$2900.00} as of XX/XX/2018. This is really crazy to me. I am a senior citizen and live on a limited income, so it is frightening to ( still ) be getting bills and notices in the mail and for such large amounts! 2 ) Alongside this is the fact that the second loan ( shown as list of disbursements ) I keep getting mail notifications on as well for {$0.00}. This account isn't in my legal name and needs to be deleted on top of it already not being verified either. 3 ) Bottom line is that I have repeatedly asked for verification from XXXX   XXXX and after SEVERAL MONTHS have not received a shred of proof, which is why the larger account was deleted from XXXX. They are still reporting this account with the other bureaus in order to keep sending me bills ; please tell me how an account can be verified and unverified at the same time? Both accounts need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: AR

Complaint narrative:
Reason for Dispute : I believe that this account inquirie is invalid. I did not authorize this inquirie. Please validate this account in its entirety or remove the entry from my credit report. Thank you. Hard Inquirie ( s ) : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Investment Retrievers, Inc.
State: CA

Complaint narrative:
I was threatened to be sued. I was mistreated and harassed with several phone calls. Theyve been stalking me on social media sites. And they are attempting to collect a debt in a state other than where I signed for the original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: AZ

Complaint narrative:
What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Experian but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( account showing multiple times on my  credit report ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( account showing duplicate on my credit report XXXX, XXXX XXXX XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-03 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: GA

Complaint narrative:
I have been a victim of identity theft so i'm reporting this to clear my name.

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 2018-11-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I was threatened to be sued. I was mistreated and harassed with several phone calls. Theyve been stalking me on social media sites. And they are attempting to collect a debt in a state other than where I signed for the original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: Consumer Adjustment Company Incorporated
State: MO

Complaint narrative:
They reported something into collections in XX/XX/XXXX that was paid off years ago. I even called the debtor and they said there was a mistake, that I had overpaid and the collection would be removed. They mailed me a letter confirming I had overpaid and there was nothing due. But the damage was already done, my score dropped over 100 points and five months later the collection is still on my 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 2018-11-03 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: AZ

Complaint narrative:
What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Equifax but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX  XXXX XXXX ( account reported duplicate )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been a victim of identity theft so i'm reporting this to clear my name.

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 2018-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been a victim of identity theft so i'm reporting this to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: Credit Karma, LLC
State: FL

Complaint narrative:
XXXX/XXXX and XXXX/XXXX two unauthorized hard inquiries on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Hello my name Is XXXX XXXX XXXX, I went to request a loan to buy a house, I contact a office in XXXX XXXX Oregon called XXXX XXXX, when they run my credit report appear a debt under my report, house loan with Chase MTG for the amount of {$98000.00} since XX/XX/XXXX with late payments till XX/XX/XXXX for the amount of {$880.00} for the last 2 years payments have made on time and I would like to know who request this debt under my name using my information. Please fell free to contact me at any time at this number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: OH

Complaint narrative:
I applied at XXXX for a part time job and they went thru first advantage for a background check that indicated I was on a XXXX registry and had felonies. I have never been in trouble my entire life I have no background.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: CA

Complaint narrative:
What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with XXXX and Equifax but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: CA

Complaint narrative:
What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Experian and XXXX but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX  XXXX - XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: HI

Complaint narrative:
What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Experian but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX   ) XXXX ,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-03 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: HI

Complaint narrative:
I have disputed the late payments XXXX   XXXX account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation