vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
Re : Failure To Provide Debt Itemization Statement / Verification Documents To Whom It May Concern : This complaint is response to a conversation had with a XXXX XXXX representative on XX/XX/XXXX. XXXX XXXX has consistently failed to give an explanation of conflicting information concerning an alleged debt in the amount of {$860.00} placed on my credit report. 

I was provided two reasons by XXXX XXXX as to why the alleged debt was placed on my credit report as follows : 1 ) I am responsible for interest charges incurred from GAP insurance coverage 2 ) Auto loan payments were due post verification of total loss claim I was told by the XXXX  representative the GAP insurance coverage was contingent upon receiving the police report substantiating the total loss of vehicle. The police report was submitted via fax the next day after the vehicle was recovered in irreparable condition in XX/XX/XXXX. 

I was told by a XXXX representative at that time the GAP insurance coverage was in effect and that no further payment on my auto loan was necessary. Please note at no time in my correspondence with XXXX during this on going matter was I told the debt was the result of failure to pay interest on my GAP insurance until XX/XX/XXXX. 

I contend I do not owe XXXX XXXX the alleged debt in the amount of {$860.00}. I have kept detailed record of XXXX XXXX XXXX  repeated failure to provide an itemized record of the alleged debt. It is my contention that XXXX XXXX XXXX willful neglect of properly giving this matter the attention it deserves over a three year period has unfairly hurt my credit rating violating the following : Falsely representing the amount of the alleged debt and therefore violating FDCPA 15 USC 1692e ( 2 ) ( A ).

Failing to accurately report information on my credit report, thereby violating the FCRA [ 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. 

Based on XXXX XXXX XXXX own records your company is in fact alleging the debt is the result of interest incurred by GAP insurance. I am well within my legal rights to request specific documentation that would be pertinent to the alleged debt your company claims I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hi, My Name is XXXX XXXX, i have unauthorized hard inquires on my credit and i have now fraud on my report someone applied for credit benefits and i did complaint already to XXXX and removed all of them, but now XXXX and transunion don't removed so i contact each creditor who made this hard inquires and effect my credit and no answer from them and have now fraud alert 90 days at 3 agencies bureau

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 2018-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hi, My Name is XXXX XXXX, i have unauthorized hard inquires on my credit and i have now fraud on my report someone applied for credit benefits and i did complaint already to XXXX  and removed all of them, but now equifax and XXXX don't removed so i contact each creditor who made this hard inquires and effect my credit and no answer from them and have now fraud alert 90 days at 3 agencies bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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: CA

Complaint narrative:
I monitor my credit with XXXX XXXX through XXXX and XXXX reports. On XX/XX/XXXX my FICO score with XXXX was XXXX, on XX/XX/XXXX it dropped to XXXX. On XX/XX/XXXX it was XXXX with XXXX, XX/XX/XXXX dropped to XXXX. There had been no significant changes to any of my credit accounts. On XX/XX/XXXX I used XXXX XXXX to check on personal loans to consolidate credit card debt. It states this does not affect your credit score. Several offers were returned. I received an email from one lender stating there was a negative account in my file and they were not offering a loan. On XX/XX/XXXX I received a credit monitoring alert from XXXX XXXX XXXX for which I had signed up due to their credit breach. I have a charge off /closed credit account with XXXX/XXXX from XX/XX/XXXX. This is the only negative on my report which was factored into my credit score 5 years earlier. I called XXXX. The representative told me Experian had made a remark on my report and that is why XXXX dropped my score and subsequently XXXX also. I filed disputes with all three agencies but they did not seem to understand my concern. Why did the soft inquiry that is not suppose to affect my credit do this? Why is my credit score being significantly dropped again when it was already affected by this 5 years ago? On both my credit reports I have 100 % payment history and 0 derogatory marks.

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 2018-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I had this card since college from XX/XX/XXXX-XX/XX/XXXX. This company removed me from credit protection, without me knowing, when I was sick and financially challenged, secondly, they decided to close my account when I wanted to set up a payment plan. I believe that this company is XXXX and the representatives just wanted to ruin my credit because I am XXXX and XXXX skinned. I was beaten and attacked and they did not care even after I told them. I needed a little more time to make a payment. I am ill and I need to have my protection plan reinstated. Please help, because this is the only major credit card that I have with a high limit. I think that they closed my account, however, I am ambiguous to the facts of the matter, currently.This company told me that I could not get into a payment plan until XX/XX/XXXX, now that it is XX/XX/XXXX, this XXXX man closed my account. I am saddened and heart broken. This company should seek new management. Why did he wait until a year to close the account? This is miles around the time when I could have been put into a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I submitted a XXXX complaint to Chase Bank to implore them to issue and sign a Hold Harmless Letter ( HHL ) on my behalf to XXXX XXXX XXXX ( XXXX ). The request for HHL was due to a recall of a wire transfer ( XXXX, XXXX ) that I personally initiated since I was made aware of a SCAM being perpetuated by an account holder of XXXX. The intent of the HHL is to protect the account holder from XXXX in the event that I am the one perpetuating fraud. The information that I have from my local detective who communicated with the criminal investigative unit at XXXX acknowledged that there have been over 25 other fraudulent transactions associated with the account and the account is currently " locked down ''. I have provided a significant amount of information such as a XXXX XXXX   Article, email transcripts and other document to substantiate that I was a victim of a scam. Issuing a HHL on my behalf should be a courtesy based on the circumstances of my request. According to Chases position I should seek law enforcement for assistance in this matter and I have completely pursued this approach also. I had a police report generated for the case at my local police department, coordinated with the countys internet crime division prosecutors office and reported the incident to the Internet Crime Complaint Center ( IC3 ) which is part of the FBI. The prosecutors office indicated that they will not be able to issue a HHL or provide a Seizure Warrant to legally retrieve my money from XXXX. The arbitrary response I received from Chase shows that they have not considered the merits from my request and maintain an unyielding corporate position not to issue a HHL as a matter of policy only. The lack of consideration afforded to me shows that they dont care about their clients. The only risk that Chase would assume would be if the account holder of XXXX had a legitimate objection to oppose the recall which I am willing to accept personally. I would like Chase to reconsider my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am concerned about the applicability and reliability with your latest examination as well as the overdue payments pertaining to this account and exactly how it is reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and NAVIENT with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I monitor my credit with XXXX XXXX through Transunion and XXXX reports. On XX/XX/XXXX my FICO score with Transunion was XXXX, on XX/XX/XXXX it dropped to XXXX. On XX/XX/XXXX it was XXXX with XXXX, XX/XX/XXXX dropped to XXXX. There had been no significant changes to any of my credit accounts. On XX/XX/XXXX I used XXXX XXXX to check on personal loans to consolidate credit card debt. It states this does not affect your credit score. Several offers were returned. I received an email from one lender stating there was a negative account in my file and they were not offering a loan. On XX/XX/XXXX I received a credit monitoring alert from XXXX XXXX XXXX for which I had signed up due to their credit breach. I have a charge off /closed credit account with XXXX/XXXX from XX/XX/XXXX. This is the only negative on my report which was factored into my credit score 5 years earlier. I called XXXX. The representative told me XXXX   had made a remark on my report and that is why XXXX dropped my score and subsequently Transunion also. I filed disputes with all three agencies but they did not seem to understand my concern. Why did the soft inquiry that is not suppose to affect my credit do this? Why is my credit score being significantly dropped again when it was already affected by this 5 years ago? On both my credit reports I have 100 % payment history and 0 derogatory marks.

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 2018-09-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I monitor my credit with XXXX XXXX through XXXX  and Equifax reports. On XX/XX/XXXX my FICO score with XXXX was XXXX, on XX/XX/XXXX it dropped to XXXX. On XX/XX/XXXX it was XXXX with Equifax, XX/XX/XXXX dropped to XXXX. There had been no significant changes to any of my credit accounts. On XX/XX/XXXX I used XXXX XXXX to check on personal loans to consolidate credit card debt. It states this does not affect your credit score. Several offers were returned. I received an email from one lender stating there was a negative account in my file and they were not offering a loan. On XX/XX/XXXX I received a credit monitoring alert from Equifax Trusted ID for which I had signed up due to their credit breach. I have a charge off /closed credit account with XXXX/XXXX from XX/XX/XXXX. This is the only negative on my report which was factored into my credit score 5 years earlier. I called Equifax. The representative told me XXXX had made a remark on my report and that is why Equifax dropped my score and subsequently XXXX also. I filed disputes with all three agencies but they did not seem to understand my concern. Why did the soft inquiry that is not suppose to affect my credit do this? Why is my credit score being significantly dropped again when it was already affected by this 5 years ago? On both my credit reports I have 100 % payment history and 0 derogatory marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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: Diversified Consultants, Inc.
State: IL

Complaint narrative:
I used XXXX to investigate this account. It's showing open account and that I opened this account in XX/XX/2018. I did no such thing. I would like some proof that I have opened an account with Diversified Consultnts such as signature/payments made toward this account/social security number that I applied for credit with this company. The original delinquency date of this account must remain the same as it was with the original lender. This isn't being shown on my credit report at all. 


Diversified Consultnts XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-03 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: Early Warning Services, LLC
State: TX

Complaint narrative:
EARLY WARNING SERVICES IS NOT IN COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT! I SENT EWS A DISPUTE LETTER ON XX/XX/2018. REFLECTING ALL 3 NEGATIVE FRAUDULENT ACCOUNTS FROM XXXX XXXX XXXX I HAVE NO KNOWLEDGE OF. EWS RESPONDED TO ME STATING " THAT THE FOLLOWING ACCOUNT WAS VERIFIED '', BUT THEY HAVE NO PROOF OF THE ORIGINAL CONTRACT, OR 100 % ACCURACY FROM WHAT THE RULES AND REGULATIONS STATE WITHIN THE CONFINES OF THE FCRA LAW. YOU ARE NOT ALLOWED TO TARNISH MY NAME, REPORT INACCURATE INFORMATION, THE REPORTING OF THESE FRIVOLOUS OR FRAUDULENT ACCOUNTS IS AFFECTING MY CREDIT WORTHINESS AND I WILL TAKE FURTHER LITIGATION AGAINST THE COMPANY EWS!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Never have received any bills in the mail so Ive never known what day my bill is due or Ive never received any online so I recently switched to paperless there are several charges up XXXX XXXX XXXX in Texas and I live in XXXX and they were also some XXXX purchases in late fees were on there and I never got a bill so how my supposed to know when its due to pay I dont believe I should pay the late fees if I dont get a bill. There is also a huge charge of {$360.00} or around that amount to someplace called XXXX. I didnt do any of them.

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 monetary relief
Consumer complaint received 2018-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Today I reached out and begged Capital One to take a payment from me today ( already had it scheduled ) and they would not help me. I had gotten my purse stolen, my grandchildren with me and we are over two hours from home. I happened to have my Cap 1 # in my car and asked if they could allow a payment and release the amount to my card, and they would not do it I have been the victim of identity theft and I've also been treated like a criminal and irresponsible person because of it. It's honestly been a nightmare. Capital One isn't any different than XXXX or XXXX XXXX? The people I dealt with were XXXX emp # XXXX, XXXX emp # XXXX, XXXX emp # XXXX ( he lied about this number ) and his supervisor XXXX emp # XXXX or XXXX ref # XXXX. After this I am cancelling this card and I will never again believe another company. I feel betrayed and beaten. thanks Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
The man who previously sold me the XXXX XXXX ( XX/XX/2012 ) knew the people or were related to the people who had multiple keys to my used vehicle. These people repeatedly had my vehicle damaged and vandalized. The XXXX male who sold me the vehicle also knew people who worked at the XXXX Police station and they also vandalized my vehicle, repeatedly and they kept towing it because they do not like XXXX XXXX females. Light skinned people have a tendency to make up false accusations and reportings of me. I am in pain and walking and I believe they were trying to XXXX   me. I help my family out while driving due to the fact that they are XXXX and XXXX. Now, that I ocassionally get on the bus, people are laughing and hitting me. The seats are also disgusting and I have a problem with my foot. I need some of my money in return. I need all or most of of my money back to buy a car from someone else who is not a XXXX. I set up payment arrangements and my payments kept getting stolen from my bank account, and someone was hacking my phone calls as well. I never got to speak with a real representative from XXXX XXXX because someone was stealing money from my bank account and using my phone number. XXXX never sent me an invoice or a final notice of a sell or possible repossession, I need to have this matter resolved as soon as possible. I was XXXX  and XXXX. I need a vehicle. I am asking that someone speak to XXXX about giving me some of my money back due to vandalism from the people who sold me the vehicle and his affiliates. The XXXX male knew people who towed my vehicle, who ruined my vehicle, and he plotted to possibly have me XXXX. I need a vehicle that works properly. I think that I may need money or a check. Could someone help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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: Avant Credit Corporation
State: FL

Complaint narrative:
I checked my credit report, noticed two inquiries from XXXX XXXX, Avant and XXXX that I'm unsure of where they originated. I have not applied for any new accounts because of my open bankruptcy yet inquiries from different courses keep popping up. I have added fraud alerts to all of my credit files with each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
I checked my credit report, noticed two inquiries from XXXX XXXX, XXXX and Prosper that I'm unsure of where they originated. I have not applied for any new accounts because of my open bankruptcy yet inquiries from different courses keep popping up. I have added fraud alerts to all of my credit files with each credit bureau.

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 2018-09-03 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: Marlette Funding, LLC
State: FL

Complaint narrative:
I checked my credit report, noticed two inquiries from XXXX XXXX, XXXX and XXXX that I'm unsure of where they originated. I have not applied for any new accounts because of my open bankruptcy yet inquiries from different courses keep popping up. I have added fraud alerts to all of my credit files with each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03 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: FL

Complaint narrative:
I checked my credit report and noticed inquiries from unknown sources { XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX and XXXX XXXX. I have not applied for any new credit accounts. I filed a complaint with the FTC as well.

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 2018-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
after many calls and harassment towards myself and calling family members this account holders is taking things too far even the account is not mine need it removed from my credit report asap!

Company response to consumer: Closed with explanation