vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX : XXXX XXXX XXXX : XX/XX/XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX To Whom It May Concern : I am enclosing a copy of a letter that I mailed to your company via certified mail requesting that you verify the alleged debt your company claims I owe. The tracking from the USPS shows the letter was delivered on __XX/XX/19__________. It has been more than 30 days, and I have not received any proof that your company validated the debt. 
Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my credit reports. 

Please send me a copy of my updated credit report as soon as the above has been completed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: GA

Complaint narrative:
To whom it may concern : I have been a victim of identity theft, after checking my credit recently I notices account and collections that do no belong to me, so I was advise to file an FTC report which is attached and a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: GA

Complaint narrative:
To whom it may concern : I have been a victim of identity theft, after checking my credit recently I notices account and collections that do no belong to me, so I was advise to file an FTC report which is attached and a CFPB complaint.

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 2019-07-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
CIT Bank charged me $ XXXX for closing a CD ( 3 month interest fee ). They DID NOT notify me that my CD is expiring. The company claim that they send a mail but I never received it and never received any email either. The CD expire around XX/XX/2019 and today is XX/XX/2019. They say they are required to send notification but I never get any notification that my CD is expiring.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I WAS SCAMMED BY 2 DIFFRENT COMPANIES. I PAID XXXX XXXX XXXX  {$990.00} ON XXXX USING MY DEBIT CARD.. I ALSO PAID XXXX XXXX  XXXX  WITH A CHECK {$4100.00} ON XXXX. THESE 2 COMPANIES TOOK ADVANTAGE OF ME AS A SENIOR CITIZEN. THEY DID NOTHING AT ALL FOR ME AND I DON'T KNOW WHAT TO DO AT THIS TIME. I REALLY NEED THIS MONEY AND NOBODY IS ABLE TO HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: ASSOCIATED BANC-CORP
State: MD

Complaint narrative:
Hi, In early XXXX, I lost my wallet. I called Associated Bank and ask for them to overnight me a replacement card. Associated Bank told me I had to wait 7-10 business days. In the interim, I had a hold on my account. Associated Bank only has locations in Wisconsin, I live in Maryland, I could not go into a local branch. I waited 10 business days and I had no received the card. I called back and was told they forgot to order the card and it would be another 7-10 business days. I couldn't go 20 days without access to my money. consequently, I started an new account at a local bank. I asked associated bank if I could cancel my account without coming in to a local branch. I was told the only way was to bring the account to XXXX  balance. I transferred ( what I thought ) was all the funds in Associated Bank into the new account I started locally.my money to a new account.I thought I switched all my reoccurring withdraws to the new account. I forgot to switch my student loan payment to new account. The payment is due every month on the XXXX. On XX/XX/XXXX, my student loan payment went to Associated Bank and was denied and I was notified. I switched the account info for XXXX 's payment. I called Associated Bank to find out what happened in XXXX because I got the notice about XXXX 's payment. I was informed, I had accidentally left XXXX dollars in the account thus it was still open.they also told me that I owed the difference of the my student loan payment and a bunch of fees. the fees were nearly XXXX worth of charges. I explained to the representative the situation and that I would pay the difference plus {$35.00} dollar overdraft fee. The representative agreed. the next day I mailed a check to the address I was given. On XX/XX/2019 they cashed the check for {$220.00}. I explained to the representative that I wanted to have this account closed and sever my relationship with the bank. I wrote FINAL PAYMENT and Close Account on the MEMO line of the check. I called Associated Bank today, I was told I still owe {$47.00} dollars and the account can not be closed until they receive payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: ID Analytics, Inc.
State: GA

Complaint narrative:
To whom it may concern : I have been a victim of identity theft, after checking my credit recently I notices account and collections that do no belong to me, so I was advise to file an FTC report which is attached and a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
XXXX has failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay G.L.A. Collection Company, Incorporated,  which XXXX reports negatively that I owe this company. There is no contract. This debt is not mine.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: Innovis
State: GA

Complaint narrative:
To whom it may concern : I have been a victim of identity theft, after checking my credit recently I notices account and collections that do no belong to me, so I was advise to file an FTC report which is attached and a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: LEXISNEXIS
State: GA

Complaint narrative:
To whom it may concern : I have been a victim of identity theft, after checking my credit recently I notices account and collections that do no belong to me, so I was advise to file an FTC report which is attached and a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I purchased 2 tickets from the following individual on XXXX : XXXX XXXX XXXX I paid {$160.00} via PayPal on XX/XX/XXXX to XXXX He never delivered tickets to me and has now blocked me on XXXX.

I have the entire conversation saved and attached screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Equifax has failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay XXXX XXXX XXXX XXXX XXXX, which Equifax reports negatively that I owe this company. There is no contract. This debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation
State: IL

Complaint narrative:
I had a personal loan that was paid through a garnishment back in 2016. World Finance continued to report a balance on my credit. They had been provided all documents from XXXX yet still reported the balance. My wife and I have contacted them by phone numerous times with no resolution. They did say that the original branch that held my loan account had closed and files were transferred so the records were not properly updated. Regardless of the fact that documentation was provided to them no change had occurred. Since we are closing on a home we felt trapped and paid the {$210.00} balance to get this debt removed. 
Due to their incompetence we requested the account be deleted from my credit. Now they will not even return a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Credit reporting unassociated names and addresses that I have never lived at. Bank accounts missing payment history of which is crucial to the credit reporting itself and the reporting agencies will not correct the problem.

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 2019-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
I have an auto Loan with XXXX XXXX XXXX XXXX. I initially purchased my car as a lease. I then brought the vehicle in XXXX upon the end of my 36-month lease and received an auto loan from NMAC.

I was going through some hardships and fell behind on payments. On XX/XX/XXXX my car was repossessed by XXXX. I was able to make the necessary payment of {$1700.00} and retrieved my car the same day. Included in the payment amount was a {$420.00} fee for car storage - even though my car was not even stored at the storage facility for more than 5 hours. NMAC also charged an additional fee of {$450.00} - with no explanation, added to my monthly statement for XX/XX/XXXX. Recently upon logging into my account - I have noticed that the XX/XX/XXXX Statement was not generated and is not accessible to view I later received notice that one of my credit card accounts was being closed because upon the performance of a credit refresh the lending institution noticed a REPOSSESSION on my credit report. This is how I was made aware that a repossession was reported to the credit bureaus from NMAC. Upon receiving this update, I contacted NMAC to get an update as to why that would even be on my credit report - when my car was not repossessed. In fact, my car is in my possession and I continue to make my monthly payments. NMAC transferred me to many representatives that seem to not be able to assist or provide a solid response. The last representative I spoke to in regards to this subject informed me that NMAC was not going to make any updates to remove the repossession from my account and that was not their responsibility. They explained that my car was in fact repossessed. I asked that a manager contact me and I have not, until this day, received a response or a call from anyone at NMAC to address this matter.

I am looking for proper guidance and assistance to have this false and derogatory information removed from my credit report. 
Please Note : I am in the midst of contacting the reporting agencies so that they are aware and help me reach amicable resolution with me organization. 

Thanks in advance for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Peterson Enterprises, Inc.
State: AK

Complaint narrative:
Spoke with XXXX at Valley Empire Collections  in XXXX, WA ( XXXX ) on XX/XX/XXXX after finding account on credit report. She stated account is old utility bill from XXXX. They have never sent me a bill and state they are unable to send me anything regarding account as they are not insured to collect in Alaska. I informed them this bill was paid to original creditor, XXXX has no record of such. She was not able to provide any information to verify or validate debt owing. They state I owe balance of {$160.00} but refuse to send me documentation or original contract to verify and continue to report negatively to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
I have an account with XXXX XXXX and I authorized payment to be debited out of my checking account. The draft date was XX/XX/19, in the amount of {$600.00}. I just learned today that the check was not honored. When I check with my banking institution, XXXX/XXXX  they stated they would only pay transactions within a {$10.00} range if the debit card was used for the same account. When I reviewed my transactions I had {$590.00} available. I didn't receive any mail stating my account was about to go delinquent prior to the 30 days mark. I didn't receive an email that my account was delinquent. The creditor states they only made phone calls to my old number which continuously rings busy at XXXX. Previously when I had this number, the outgoing message had my voice and now it does not. My number was changed in XX/XX/2019. I was not given the opportunity to remedy an error on my part and the Creditor failed to use due diligence to use all methods to contact me. This is the second car that I purchased from Nissan so they know that I pay my car payment on time. This was out of the ordinary for a customer like myself not to respond to calls or not have a voice mail set up. In normal collections, a representative that is present and reviewing the account would notice this versus someone going through the motions and being robotic. I now have my credit report dinged because of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I WAS SCAMMED BY SEVERAL COMPANIES AND I CAN'T GET ANYONE AT ALL TO HELP ME. I PAID {$2500.00} ON XXXX TO XXXX XXXX XXXX WITH ME CITI MASTERCARD. I ALSO PAID SEVERAL OTHER COMPANIES : XX/XX/XXXX XXXX XXXX {$490.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   {$590.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX ENDING XXXX XXXX TXXXX XXXX XXXX {$1600.00} XXXX XXXX ENDING XXXX XXXX XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX ENDING XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} ACH PAYMENT XXXX XXXX XXXX {$1600.00} ACH PAYMENT XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$2500.00} CITI XXXX XXXX XXXX XXXX {$3400.00} AND {$990.00} MC ENDING XXXX XXXX XXXX XXXX XXXX  NONE OF THESE COMPANIES DID ANYTHING AT ALL FOR ME. THEY TOOK ADVANTAGE OF A SENIOR CITIZEN AND ALL CHARGES ARE TO OLD TO FILE AGAINST WITH MY CREDIT CARDS

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 2019-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
XXXX has failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay Credit Bureau Systems , Inc, which XXXX  reports negatively that I owe this company. There is no contract. This debt is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: FIRST HERITAGE CREDIT LLC
State: SC

Complaint narrative:
Received a check in XXXX as part of a pre-screened offer. Check was valid until XX/XX/XXXX. It clearly says pre-screened to receive the check. I don't apply for things to avoid hits to score and in dealing with loans previously I know if I got a live check they've determined you met credit criteria and did not have to run credit again. I cashed check on XX/XX/XXXX due to car issues taking out loan. On XX/XX/XXXX the company first heritage ran a hard inquiry with XXXX knocking my score down XXXX points. I immediately called them and they initially denied it and said only soft pulls are done for pre screen offers and I should NOT have gotten a hard inquiry. XXXX and a diff female rep said a manager would be in touch on XX/XX/XXXX because that shouldn't have happened. When I didn't hear back I called and this time XXXX says they did but couldn't tell me why they did it after the cash had been cashed and when I didn't consent to a hard inquiry. I want this removed because they lied and this is bad business practice. Prescreened mail in check means it was already determined and I did not authorize that hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Credit reporting unassociated names and addresses that I have never lived at. Bank accounts missing payment history of which is crucial to the credit reporting itself and the reporting agencies will not correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Credit reporting unassociated names and addresses that I have never lived at. Bank accounts missing payment history of which is crucial to the credit reporting itself and the reporting agencies will not correct the problem.

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 2019-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
TransUnion has failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay XXXX XXXX XXXX, which TransUnion reports negatively that I owe this company. There is no contract. 

This debt is not mine.

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 2019-07-15 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: TX

Complaint narrative:
I AM A VICTIM OF ID THEFT. I HAVE ATTEMPTED ON SEVERAL OCCASIONS TO HAVE THE LISTED ITEMS REMOVED DUE TO ID THEFT YET THE CRA 'S REFUSE TO REMOVE THE INACCURATE ITEMS. I HAVE PROVIDED THE NECESSARY DOCUMENTS TO HAVE THE ITEMS 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
Consumer complaint received 2019-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I am a previous Wells Fargo account holder. I had an account with them in XX/XX/XXXX, and closed the account due to unnecessary fees. The account was over-drafted in the amount of $ XXXX, I do not exactly recall the exact amount. 

The amount was paid prior to closing the account, as they wouldnt be able to close the account otherwise. 

Today XX/XX/XXXX, I received a call from an attorney, stating that I owe Wells Fargo {$3600.00}. It seems like they never closed my account, and let it sit to build up fees. 

I had an account with them for about an year or two, prior to closing the account. They are telling me the account wasnt closed until XX/XX/XXXX. 

I was never notified by Wells Fargo by mail, email, or phone.

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