vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-07 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:
I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. I am not associated with these following address : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My name is : XXXX XXXX XXXX Please delete any variations of 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 2018-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank sent a letter dated XX/XX/XXXX Reference number XXXX concerning an XXXX XXXX XXXX account requesting proof of current physical address ( bill, gov ID ) I went into a Chase Bank in XXXX XX/XX/XXXX and they faxed a copy of my Texas drivers license. He said check with them in 3 or 4 hours and they would help me out. On XX/XX/XXXX I  called and they said it would take up to 14 days to get it in the system. 
They have not denied credit just delayed the application. 
The letter has if I do not respond within 14 days they will no longer consider my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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 — Problem with personal statement of dispute
Company: Ability Recovery Services, LLC
State: TN

Complaint narrative:
This account is inaccurate. I never attended XXXX College in 2016.

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 2018-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
When I first found a new collection on my account from XXXX XXXX for a XXXX bill that I never had I immediately started disputing it. But every time I did they would just send me a copy of a bill that had my name on it. No signature or social security number provided. When I tried to tell them that this is not my account they just continually replied that the debt was valid. Which it is not. I have been trying to talk to them for over a year now about it ; And they refuse to cooperate with me or show me anything besides a bill that had my name on it. This is tremendously impacting my credit ; And this need to be addressed immediately.

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 2018-04-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Rise XX/XX/17 Called and spoke to rep to let them know I did not authorize them to run my credit and it was never removed. This is affecting my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX in the amount of XXXX. 
This was paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This account is inaccurate. I never attended XXXX XXXX in 2016.

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 2018-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Trident Asset Management, L.L.C.
State: TN

Complaint narrative:
Trident Asset Management Original Creditor XXXX XXXX. XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX and I am disputing this debt because this debt is originally from XXXX established in XXXX, FL. In the state of Florida the statue of limitations has expired long ago, and this company keeps opening a new first reported date as in the letter I have enclosed this date states XX/XX/XXXX. The last time this creditor contacted me was XX/XX/XXXX which the time had expired then. I have wrote all three creditors continuously from XXXX, and the creditor still disputes even though you will see from my report XXXX  states that this does fall meets requirement of the Fair Credit Reporting Act this is a violation. Trident disputes the original date of XXXX because they know this is a violation. They continue to keep this on my report and that is why I am contacting you, they are trying to keep this on my credit now until XXXX and at that time they will just renew.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Hello. Good day. With Age comes maturity. Im conducting a much needed credit health check and have found there are a few Credit Agencys that have reported debt I supposedly owe. Well Ive never received notifications on these debts. Ive heard horror stories about Credit agencys using unprofessional even illegal practices on consumers. 
I have attempted to dispute this with the credit Bureau and it simply comes back as valid. Yet no statements, no letter validating this debt. I found out the origin was in Florida state. Im in California & have no history or ties in that state. Matter of fact my credit history doesnt even display this type of activity of such a large charge {$10000.00} Opened XX/XX/2015 Can you please assist me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I received an auto loan from Santander in XX/XX/XXXX for a XXXX XXXX. I fell on hard times and didnt pay my note for two months. They repossed the car. I paid the money to get it back. I didnt even get a notice that it would be repossed. 

It is now XXXX. I have paid over 16,000 toward the car and I still owe XXXX. I bought the car for XXXX. Every time I call I am never given the proper explanation. I have been taken advantage of and I know something isnt right with the interest rate. I just need a lawyer to look things over for me. Even when they give me a pay off date I divide the money I owe by my monthly payments and the payments far exceed the date they gave me. Can someone please help with this and let me know if there is a class action suit in Michigan against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX in the amount of XXXX. 
This was paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
A civil action was filed against me XX/XX/XXXX by XXXX XXXX XXXX represented by XXXX, XXXX XXXX XXXX XXXX XXXX and later rescheduled for XX/XX/XXXX. i requested a full validation of the debt that was never provided to me, i showed up for court the first scheduled date but no representative of Capital One showed up, the date was rescheduled, before the second hearing date i received a letter from the court stating '' on XX/XX/XXXX, the complaint filed by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Attorneys for Plaintiff against XXXX XXXX has been Withdrawn. '' XXXX XXXX XXXX refused to remove the negative report off my credit report, i filed a dispute with XXXX  but still XXXX XXXX XXXX has refused to remove the negative inaccurate information. I have uploaded Documentations of prove showing the letter i received from the court as well as the request of full verification and validation of the debt and the Civil action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: NC

Complaint narrative:
I found out that my identity has been stolen and this person has been trying to get credit in my name. I went to a car dealership and found out there are multiple inquiries on my credit report that are unknown to me. I was asked to contact these companies and I did. Almost all of the companies I've never heard of in my life. I asked them to send me copies and proof and signatures giving them permission to pull my credit report. Some said thats not the law and some said they will send it ... .Its been years ... .nothing yet. 

XXXX ... .XX/XX/XXXX XXXX XXXX XXXX ... .XX/XX/XXXX XXXX XXXX ... .XX/XX/XXXX XXXX XXXX XXXX ... .XX/XX/XXXX XXXX XXXX XXXX ... .XX/XX/XXXX XXXX XXXX XXXX ... ... XX/XX/XXXX I never applied for any XXXX XXXX cards at any of my old addresses ....

I had just a car loan from XXXX XXXX ... .and never missed a payment.

I have 2 XXXX XXXX cards at this moment in good standing and just received a credit line increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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:
I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. I am not associated with these following address : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My name is : XXXX XXXX XXXX Please delete any variations of my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
XXXX is a creditor for XXXX XXXX. This company did not send me any billing information. I reached out to XXXX XXXX several times and they were unable to provide with the information of this creditor, XXXX. I have a XXXX XXXX card with XXXX as a creditor and that is the only information they had on file. When I finally received a call from someone in another country they told me my purchase for {$77.00} was now {$220.00}. I confirmed all my contact information and advised them there was zero attempts to make me aware of this bill, even after I reached out to the store. The representative apologized for the inconvenience and stated if I paid the amount of my purchase she would waive the fees and correct my credit as a result of their error. I agreed to pay the amount of the purchase I made plus a processing fee. I paid {$80.00} on XX/XX/18. I have since received a bill with the same past due amount and my credit is still being impacted. This company has broken FDCP law in place to protect consumers like me. I find it odd how only after I made a payment to someone did they actually send a bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello. Good day. With Age comes maturity. Im conducting a much needed credit health check and have found there are a few Credit Agencys that have reported debt I supposedly owe. Well Ive never received notifications on these debts. Ive heard horror stories about Credit agencys using unprofessional even illegal practices on consumers. 
I have attempted to dispute this with the credit Bureau and it simply comes back as valid. Yet no statements, no letter validating this debt. I found out the origin was in Florida state. Im in California & have no history or ties in that state. Matter of fact my credit history doesnt even display this type of activity of such a large charge {$10000.00} Opened XX/XX/2015 Can you please assist me on this matter.

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 2018-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I originally contacted this company in early XX/XX/XXXX about some incorrect information on my credit report. I had a lot of inquires I did not authorized on my account. I was told to send in a letter listing the inquires I didn't authorize. Ok great, so I sent a XXXX letter to the company informing them of the inquires that weren't authorized by me. ( on or about XX/XX/XXXX ) Fast forward to today, I called transunion to ask about the status of my letter and was told the only way they will delete them is if I call all of the places, get letters from them, then file a police report for fraud, put a fraud alert on my credit and mail all of these things to them. 

This is absolutely absurd. I'm now demanding that you step in and require them to delete these unapproved inquires off of my report as I believe they are now hendering my ability to obtain credit. I'm well aware of my rights under the FCRA as well as the only reasons an inquiry should even be listed on my report. ( firm offer of credit, insurance, employment or court order ) NONE of these following inquires meet this nor have I authorized them. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX When I contacted transunion today I got information I believe to not be true and I am so upset that a company that is under law suppose to verify every piece of information is going to make the consumer out to be a liar. I was told most of those inquires only count as one. But that is false because they are reporting on my credit report as individual hard inquires. 

TRANSUNION ISNT ABOVE THE LAW.

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 2018-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I attempted to transfer money from my Wells Fargo account to my Father 's XXXX XXXX account via XXXX. I had previously received a transfer from my sister via XXXX and had no problems. I entered my fathers name and cell phone number into the system and transferred {$870.00} to him to be done immediately. A confirmation number of the transfer was sent to my fathers phone number from XXXX   XXXX XXXX. My father not having the funds in his account contacted me to follow up. I contacted Wells Fargo and reported the funds were not received by my father at XXXX XXXX and that he received a notice from XXXX XXXX XXXX confirming the transfer. Wells Fargo said they would investigate. My father received a phone call on his cellphone in the next couple of days from XXXX  XXXX XXXX indicating that there was fraudulent activity on the account. When he contacted XXXX  XXXX XXXX they told him that they could not discuss the matter with him as he had no account there. Wells Fargo sent me a letter about 2 weeks later stating that they had completed the transfer as asked and disclaimed all responsibility in the transaction. In fact the person who I talked to on the phone after receiving the letter indicated that " I had to learn the hard way on how to deal with XXXX. Wells Fargo claimed that the name on the XXXX XXXX XXXX account and the cellphone matched so they were absolved of any responsibility. Apparently there is no verification of the name on the account by XXXX upon transfers. XXXX XXXX XXXX refuses to confirm the identity of the individual whose account the funds were transferred into as well. Meanwhile I am stuck out {$870.00} for transferring funds to my father whose cellphone was on him and has received all the confirmations of the transfer as some random party was given the funds.

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 2018-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
applied for card in XXXX XXXX Nevada, on or about XX/XX/2016 while i was at the XXXX XXXX XXXX store because it would contribute to the conservation of wild life and hunting rights. The approved credit Balance was not much but was happy to contribute. fast forward 30 -45 days after i applied there was no Card in the mail nor any statement. ( small purchase at the time of sign up ) i gave it another 15-20 days and there was no mail. i decided to call the number on the paper work that i was given at the time of application. and was able to speak to a Rep. i was treated like a debt beat because i was told that i was past due and that needed to make payment. i explained to the Rep my situation but i was told to make payment and that my credit line will also be decreased because i was late on the first payment. she would not understand anything that i would ask or requested. i paid and requested for her to send the statements and confirmed that my address was ok. i only recieved the secondary card that was mailed via overnight but not any statement or other information about the bank. fast forward today, i made payment for more than requested and was told today again that i was 60 days past due? i explained situation again to rep but she was very nasty over the phone her name is XXXX XXXX, she would not answer basic questions on my account and would answer with generic answers that would not resolve my issue. i asked to speak to manager and was transfered to a male by the name of XXXX XXXX who stated that he was a manager with conflict resolution team. i explained my problem and asked to help but was denied under the grounds that i was late ... ( payment was made 30 min prior to talking to him by phone service ) XXXX stated that i should of been on top of my account, he stated that its no Bank of Americas responsability to call customers and remind them of their payments or email them. i asked if they send notificaitons if there is an issue with an account? he said yes but i would need to set that up on the B of A website. i explained that i can not open a user password because i don't have an account number because i have never recieved a statement. XXXX said that is something i need to resolve with mail not B of A. no other assistance or guidance was provided. i feel that this is an unfair treatment and i know that there is other consumers like me that have gone thru this. please help. complain number is 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 2018-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
After Equifax breach, Equifax gave me a XXXX account with a website address that is " not found '' and contact phone numbers which are not reachable. I continue to receive " alerts '' as to changes ( probably credit applications ) on my credit report which I can not view in order to do anything about. Further, my DOB is wrong and when I recently applied for credit, was told that my identity can not be confirmed. I have repeatedly tried by written and phone communications to get the incorrect information off of my report by all 3 credit reporting bureaus ( Equifax, XXXX and XXXX ) but never receive a reply or can receive proper and helpful assistance from customer service representatives by phone, etc. I have opted out of receiving credit offers by mail and my opt out has also not been respected which means I continue receiving these offers to my home address via unsolicited US Post Office mail.

Company response to consumer: Closed with explanation