vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company continues to report accounts on my credit report that are not mine. ( Identity theft ). They responded to my request for validation as { account verified ) but did not send me any information verifying the debt. I requested an original contract or any account information that they could send me proving that the account belonged to me, and not just baring my name address as I am a victim of identity theft. They continue to report collection account to the credit bureau. I have sent a multitude of request to accurately validate these accounts and send me verification of it, yet they choose not to. They send me letters stating that " this is not an attempt to collect a debt '', yet they are placing these fraudulent accounts on my credit report. They send letters saying the debt has been verified by sending me printouts of someone's last statements and a letter stating they bought whomever this debt belongs to. THESE ACCOUNTS DO NOT BELONG TO ME, YET THEY ARE CONTINUOUSLY REPORTING THEM ON MY CREDIT REPORT!! THESE ACCOUNTS ARE NOT MINE!!!!! I have since sent them a cease and desist letter as they refuse to comply with my requests. I am in the process of seeking legal counsel to being a lawsuit in regards to these accounts, and the blatant disregard of my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
In response to your response from previous report number : XXXX about IDEAL COLLECTION SERVICES, INC This is what you wrote : I am confused as at the beginning of your complaint, you acknowledge receiving our response dated XX/XX/XXXX and at the end of your complaint you state instead of us responding we waited 2 years to report the account to the credit bureaus. In my XX/XX/XXXX response I offered a payment plan to avoid the account from being forwarded to the national credit bureaus and sent the validation of the claim. Attached, please find a copy of my response along with the documents that were attached. Also, please find attached, a copy of the notice to vacate form you signed. In the last paragraph of that form and the last sentence states " I understand that management will complete a move out inspection checklist after my departure and any claim on my security deposit will be itemized. '' I our office has already validated the debt and the account is past due and due in full. 

I respond to you the following : I moved out in XX/XX/XXXX, two years later ( XXXX ) you report the account. The attachments you included verifying the debt, only the notice to vacate is signed by me. The other documents you sent verifying debt, showing all those extra fees they're charging, Is what I previously had asked you to send me the Invoices XXXX XXXX XXXX has for all repairs, because I repaired everything before moving out and hired a carpet cleaner company. This is why I ask for all that so I can take the case to court with my evidence of repairs. That's all you need to send me and I'll proceed from there at court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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: AZ

Complaint narrative:
I currently have 54 inquiries reporting on my credit report on TransUnion that are without a firm line of credit. I have circle all 54 inquires on my credit report and included them as an attachment below. Credit bureaus may only report inquires that are 1. FIRM LINE OF CREDIT * ( result of open acct only ) 2. COURT ORDER 3. LEASE AGREEMENT * ( result of apartment rental application ) 4. EMPLOYMENT These inquiries are do not have a firm line of open credit connected to them.

The FCRA Law require everything on your credit report to be accurate, valid and complete. These 54 inquiries should not be reporting on my Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX pay off credit cards From XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Are all pay and close

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My complaint is against Experian I have been trying to correct my name for 2 months now and have sent them my drivers license and soc sec card. They continue to call me XXXX XXXX XXXX not XXXX XXXX XXXX. I also have disputed XXXX XXXX and XXXX XXXX providing documentation of court orders signed by judges to have the items removed. They refuse to attach court orders to the disputes when sending to XXXX and filed a dispute with XXXX XXXX not XXXX. Why would they file a complaint with XXXX XXXX???? XXXX is all over the court agreement. A bunch of idiots are running this company and they are no help at all considering they control our credit history it is disgusting and should be against 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 non-monetary relief
Consumer complaint received 2018-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am submitting this claim because I had a Citibank AAdvantage Executive World Elite MasterCard and on the anniversary of my credit card account, Citibank very unethically charged me the {$450.00} annual fee and then closed my account a few days later without notice and without an explanation. 

The Annual Fee includes a host of benefits, including a 1 year membership into the XXXX XXXX XXXX XXXX. Therefore, having been charged the fee, I expect to receive the benefit. 

Counter to any intuition, Citibank canceled my card, canceled the XXXX 's XXXX membership, and refuses to refund the {$450.00}. Therefore, Citibank has been unjustly enriched since I was forced to pay for a benefit I never received. 

I called Citibank Customer Service and they wouldn't help me. So I wrote a letter to the Citibank Executive Response team and they ignored my request to refund the {$450.00}. 

This has prompted me to file this 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 explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I made a deposit into my checking with a convenience check. The company, Citicard, rejected the transfer via email. They transferred the money in spite of notifying me of the transfer being rejected. 
I contacted Citi card and was told they would reverse the transfer and the transfer fee, Citi card never did reverse the transfer. 
Citi card denies me access the my account on line and customer service will not talk with me. They say I need a password to access my account. I have given them the password previously and discussed the account but now I am told the password is incorrect and customer service will not discuss the account. 
When the transfer was rejected, the contract accessing the convenience check was voided. 
I want the transfer reversed as well as the transfer fee. I want nothing further to do with Citi Card or Citi Bank.

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 2018-11-08 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: AZ

Complaint narrative:
I currently have 36 inquiries reporting on my credit report on Equifax that are without a firm line of credit. I have circle all 36 inquires on my credit report and included them as an attachment below. Credit bureaus may only report inquires that are 1. FIRM LINE OF CREDIT * ( result of open acct only ) 2. COURT ORDER 3. LEASE AGREEMENT * ( result of apartment rental application ) 4. EMPLOYMENT These inquiries are do not have a firm line of open credit connected to them.

The FCRA Law require everything on your credit report to be accurate, valid and complete. These 36 inquiries should not be reporting on my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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: GA

Complaint narrative:
I have sent several letters to Equifax, XXXX, and XXXX  to clean up the inaccurate names and addresses on my credit reports more than twice and they still not have been deleted. I also requested that a two inquiries that I did not make be removed as well and they were not. I am escalating to CFPB in order to rectify the situation and have the inaccurate information from my credit reports deleted. 

Inaccurate Name ( s ) : XXXX XXXX Equifax Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX   Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX Inaccurate Addresses : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, GA XXXX XXXX Unauthorized Inquiries : XXXX XXXX - XX/XX/2018 XXXX Unauthorized Inquiries : XXXX XXXX - XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
Regrading this account XXXX XXXX XXXX XXXX. I believe that I may had been 28 days inXX/XX/2018 but not 30 days late. In regards to XXXX   XXXX XXXX. I believe that I may had been late 55 days in XX/XX/2018. Not 60 days late. Also to BESTBUY/CBNA XXXX. I may have been 29 days late in XX/XX/2018 not 30 days late. The FCRA Law require everything on your credit report to be accurate, valid and complete. This late payment is incorrect and should not be reporting on my Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
XX/XX/2018 I closed my checking account with Bank of America - He had me get 2 cashier checks for {$4000.00} he told me to separate the top part from the bottom & put them in different places in case the checks were stolen. He said if they were stolen that I could get them cashed with the check stubs. 

That night I left them in my pant pockets when I went to bed. In the morning they were missing - the only objects stolen in my apartment. 

Now they won't put a stop payment on the checks or honor the debt

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 2018-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company continues to report an account on my credit report that is not mine. ( Identity theft ). They responded to my request for validation as { account verified ) but did not send me any information verifying the debt. I requested an original contract or any account information that they could send me proving that the account belonged to me, and not just bearing my name, and address as I am a victim of identity theft. They continue to report this collection account to the credit bureaus. I have sent a multitude of request to accurately validate this account and send me verification of it, yet they choose not to. THIS ACCOUNT DOES NOT BELONG TO ME, YET THEY ARE CONTINUOUSLY REPORTING IT ON MY CREDIT REPORT!! THIS ACCOUNT IS NOT MINE!!!!! I have since sent them a cease and desist letter as they refuse to comply with my requests. I am in the process of seeking legal counsel to being a lawsuit in regards to this account, and the blatant disregard of my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
Im XXXX veteran, on XX/XX/XXXX I had personal loan with 36 % interest rates, l lost my job on XX/XX/XXXX. On XX/XX/XXXX one main financial modified the loan with 6.99 % adding the deferred interest {$920.00} to principal {$7200.00}, total of {$8100.00} payment of {$130.00} for 60 months, since XX/XX/XXXX, I paying the loan, after paying my payment on XX/XX/XXXX, after calling on XX/XX/XXXX and paying off the loan {$190.00} but on XXXX XXXX I was told there is deferred interest that I need to pay after XX/XX/XXXX that caused by {$30.00} not added to loan modification on XX/XX/XXXX, according to XXXX one main financial ( XXXX ) XXXX that we signed the loan on XX/XX/XXXX the total loan was {$8100.00} and why modified the loan and leave {$30.00} deferred interest. 
Payments : Since XX/XX/XXXX, {$130.00}, XX/XX/XXXX {$130.00}, XX/XX/XXXX {$130.00}, XX/XX/XXXX {$130.00}, XX/XX/XXXX {$130.00} ... ... XXXX {$130.00} and last payment on XX/XX/XXXX {$190.00}, total of {$9000.00}. that exceeded {$8100.00}. The loan should by paid off by XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent several letters to XXXX, XXXX, and Transunion to clean up the inaccurate names and addresses on my credit reports more than twice and they still not have been deleted. I also requested that a two inquiries that I did not make be removed as well and they were not. I am escalating to CFPB in order to rectify the situation and have the inaccurate information from my credit reports deleted. 

Inaccurate Name ( s ) : XXXX XXXX XXXX Inaccurate Addresses : XXXX XXXX  XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Transunion Inaccurate Addresses : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, GA XXXX XXXX Unauthorized Inquiries : XXXX XXXX - XX/XX/2018 Transunion Unauthorized Inquiries : XXXX XXXX - XX/XX/2018

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 2018-11-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent several letters to XXXX, Experian, and XXXX to clean up the inaccurate names and addresses on my credit reports more than twice and they still not have been deleted. I also requested that a two inquiries that I did not make be removed as well and they were not. I am escalating to CFPB in order to rectify the situation and have the inaccurate information from my credit reports deleted. 

Inaccurate Name ( XXXX XXXX : XXXX XXXX XXXX Inaccurate Addresses : XXXX ROCK XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Experian Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX   Inaccurate Addresses : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX SUMMIT XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Unauthorized Inquiries : XXXX Bank - XX/XX/2018 XXXX Unauthorized Inquiries : XXXX XXXX - XX/XX/2018

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 2018-11-08 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: Conn's, Inc.
State: AZ

Complaint narrative:
Regrading this account CONN CREDIT CORP XXXX. I believe that I may had been 28 days in XX/XX/2018 but not 30 days late. In regards to XXXXL XXXX XXXX. I believe that I may had been late 55 days in XX/XX/2018. Not 60 days late. Also to XXXX XXXX. I may have been 29 days late in XX/XX/2018 not 30 days late. The FCRA Law require everything on your credit report to be accurate, valid and complete. This late payment is incorrect and should not be reporting on my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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: AZ

Complaint narrative:
Regrading this account XXXX XXXX XXXX XXXX. I believe that I may had been 28 days in XX/XX/2018 but not 30 days late. In regards to XXXXXXXXCAPTIAL ONE XXXX. I believe that I may had been late 55 days in XX/XX/2018. Not 60 days late. Also to XXXX XXXX. I may have been 29 days late inXX/XX/2018 not 30 days late. The FCRA Law require everything on your credit report to be accurate, valid and complete. This late payment is incorrect and should not be reporting on my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
On my credit report, 3 are in adverse state.

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 2018-11-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: American First Finance, Inc.
State: TX

Complaint narrative:
America First Finance failed to provide an invoice clearly detailing amounts owed with outstanding balance and failed to clearly identify the type of financing applied for in their marketing. On two phone inquiries, following the mattress purchase when no statement or invoice was received, I was verbally informed that my account balance was {$0.00}. The company drafted my bank account every month since purchasing the mattress, yet increased my balance to a default rate. Further, the company at XXXX XXXX - failed to disclose the rental- purchase terms. It was my understanding that I was applying for product purchase financing not a rent to own agreement. 
When no invoice was received and the company from whom U purchased the mattress went out if business, I assumed administrative delays for the lack of loan disclosure. Never could I have imagined that my account could ever go unto default status with regular monthly payments and no provision of a monthly statement of account. This company 's practices are deceptive and fees are at usury rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: WI

Complaint narrative:
Over 150 calls in the last 3 months. No message left. No response if I answer the phone. No reason for call given. Refuses to stop calls.

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