vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
See Attached Document The credit reporting companies put FRAUD PROTECTION " without '' even notifying me and without my written or verbal consent. They are not investigating the incorrect amount by the fraudster XXXX. 

Biggest non-cooperating company IS XXXX. XXXX ACTS LIKE A MAFIA ORGANIZATION DOES ANYTHING TO HURT CONSUMER WITHOUT CONSUMER 'S CONSENT.

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 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The information is inaccurate for my credit card accounts, my name and address are incorrect and accounts reporting inaccurate information. 
Name unknown XXXX XXXX Addresses unknown XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX Unknown numbers XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Accounts on reports are reporting inaccurate payment history I would like them to be reviewed I was making payments on time.

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 2020-01-02 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: WA

Complaint narrative:
My mortgage account was last paid on XX/XX/XXXX and was previously deleted from my credit report but reappeared on or around XXXX. In addition, the property was sold at auction in XX/XX/XXXX but the reports are still showing a balance and amount due which seem to be a FCRA violation. Washington is a non-recourse state. I desire to have this old account deleted from my equifax report. I have already tried the equifax dispute process to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc.
State: MO

Complaint narrative:
Real Time Resolutions ( RTR ) violated FDCPA rules & regulations when they failed to send me a written notice including amount of debt, name of creditor, and notice of consumers right to dispute debt w/in 30 days ( see 15 USC1612 ) A ) what obligation do I have at all to RTR? I have never heard from them, have no written contract w/them and have never received any benefits from them, yet RTR has submitted negative information to credit reporting agencies against my name and social security # and is demanding payment from me in the amount of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
The inspector said he found damages to the vehicles that were not true. they were charging me over {$500.00} for normal wear and tear of this vehicle. I declined making the payment for something that was normal wear and tear, Infiniti sent the account to a collection agency which I declined to make a full payment, we agreed on a settlement and I made the payment and infiniti put a late payment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I have a hospital bill on my report that should have been resolved with my health insurance. XXXX  still has it unresolved and the company that i owe said they charged it to my insurance. 
Also i have a credit card account closed. XXXX still has it as open in good standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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:
Derogatory account alert from Experian through XXXX on XXXX XXXX on XX/XX/XXXX regarding an outstanding payment for {$600.00} to XXXX XXXX. Another alert was received from Experian regarding same severely late payment Of {$600.00} and derogatory account again on XX/XX/XXXX. Credit rating has now dropped over 40 points from 780+. I have never had any accounts, interactions or dealings with this company, XXXX XXXX XXXX, and therefore have no outstanding or late payments. Have not received a single alert or notification from XXXX XXXX XXXX itself regarding any derogatory account prior to reporting it as such to Experian as I have no accounts or monetary dealings with this company. Fraudulent activity reported to Experian and disputed on XX/XX/XXXX. Credit alert placed on credit report through Experian at this time. Numerous consumers have reported these same fraudulent experiences with this company XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02 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: OH

Complaint narrative:
The information is inaccurate for my credit card accounts, my name and address are incorrect and accounts reporting inaccurate information. 
Name unknown XXXX XXXX Addresses unknown XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXXXXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX Unknown numbers XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Accounts on reports are reporting inaccurate payment history I would like them to be reviewed I was making payments on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02 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: OH

Complaint narrative:
The information is inaccurate for my credit card accounts, my name and address are incorrect and accounts reporting inaccurate information. 
Name unknown XXXX XXXX Addresses unknown XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX Unknown numbers XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Accounts on reports are reporting inaccurate payment history I would like them to be reviewed I was making payments on time.

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 2020-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: AZ

Complaint narrative:
On XX/XX/XXXX I was preparing to send {$2500.00} to my future wife in XXXX, XXXX. The company refused my sending the funds due to, and I quote, '' XXXX, XXXX XXXX and XXXX are three countries that we do not trust based on money laundering activities and other illegal issues ''! Further, over the past year I used this country numerous times to send funds to her without difficulty. I was asked to go to another facility of the same name to retreive my {$2500.00} plus service fees of {$120.00}! I retreived the funds and went back where I started this transaction and they allowed me to send only {$300.00}. The following day, I went back and tried to send more funds but was told that my history of sending funds changed dramatically and I was denied by the company that it appeared that I could be involved in a possible money laundering scheme!! I was ordered out of the store and was denied their service at any facility under their authority. I have never been accused of any illegal enterprise activity in my life. I am XXXX with 26 years with the XXXX XXXX XXXX, as well as 15 years with a XXXX XXXX, and received many honors and awards while XXXX my XXXX. I filed a complaint with the parent company per their directive and it was sent but they still wanted to much private information about me which I felt was to intrusive. The company basically refused to discuss the issues with me. I was trying to get my future wife to buy an automobile in XXXX with the advanced funds so we would have our own transportation instead taxis or other conveyance! I plan on returning in XXXX, XXXX and would have paid the balqnce of the car with my funds. That was the reason for sending {$2600.00} to her via transfer. The company making the remarks of my illegal dealings in the XXXX was totally unjustified! I am considering retaining my family attorney in defending me based on defamation and slander of my character. Thiis issue was totally uncalled for and to accuse me of a federal offense, which is punishable with 14 years in prison if convicted. At this time I can not send funds because of this matter. Another company who I asked for this service refused based on the issue with the current company in question. In other words, my character and name have been vilified by false accusations made by this company. This issue should have never happened and I hope justice will be served!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: Financial Accounts Service Team Inc.
State: TN

Complaint narrative:
I have requested debt validation TWICE from Financial Account Services for several accounts that they have listed on all of my credit reports. The first request was from XX/XX/2019 and the second request was XX/XX/2019. They will not respond to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Dear Sir/Madam I have purchased item from XXXX XXXX store as special financing and failed to pay off by the time promotional offer ended due to my income was only from part time job at the time. My job status changed after I had services done by XXXX XXXX Contractors, which led me into financial difficulty leading to unsuccessful in finish paying in timely manner. 

ACCT is with collection agency ( ATLANTIC Credit & Finance Inc. ) Phone # XXXX Starting Balance with Atlantic Credit was {$7200.00} Current Balance : {$6700.00} ( As of XX/XX/2019 ) Now I am trying to pay this acct off with help of relative who his trying to help me financially so I can come out of debt. I need your help with agency negotiation the one-time payment on this account. I have been unsuccessful in getting fully co-operation from the collection agency to help me out as I am struggle financially still. They won't reduce to less than {$4000.00} as a settlement amount, I am not able to pay {$4000.00}. 

I need your help to have Atlantic Credit to lower the settlement Amount. I am single person with limited and insufficient income to support myself. Therefore, I am requesting help from Consumer Protection Bureau in resolving this acct. 

This will help me improve my credit also. In last few months I have worked extra hours as much as possible so I can bring all my accounts current and keep up with all my bills. 
Please help me. 
I can be reached at XXXX or XXXX. 

Thank you so much for your attention to 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 2020-01-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
XX/XX/2017 {$320.00} balance Tried calling the company to close the account via XXXX  calls due to my XXXX. I kept getting hung up on when requesting for account closure.

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 2020-01-02 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: Ad Astra Recovery Services Inc
State: TN

Complaint narrative:
I have requested debt validation TWICE from Ad Astra Recovery Services. The first request was from XX/XX/2019 and the second request was XX/XX/2019. They will not respond to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I have requested debt validation TWICE from Portfolio Recovery on an account that they have listed on all of my credit reports. The first request was from XX/XX/2019 and the second request was XX/XX/2019. They will not respond to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN WILL NOT CORRECT INACCURATE information from my report! 
THEY ARE USING THE E-OSAR FOR DISPUTING! 

The FOLLOWING accounts below has an INACCURATE Highest Balance of {$4800.00} XXXX ACCOUNT 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 2020-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XX/XX/2019 US Bank was running a promotion : A bonus of {$300.00} when you open a newchecking account and receive recurring direct deposits of two or more that total {$2000.00} or more within 60 days of account opening. 

On XX/XX/XXXX I opened US bank checking account and met promotion requirements shortly afterwards. However, I did not receive {$300.00} bonus. I contacted US bank customer service several times regarding this issue, but no one was able to resolve it.

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 2020-01-02 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: Thaxton Investment Corporation
State: TN

Complaint narrative:
Covington Credit is reporting an alleged debt that they sold to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Platinum Holdings Group, LLC
State: TN

Complaint narrative:
Platinum Holdings Group is pretending to be a law firm named XXXX XXXX XXXX. They are calling and threatening to sue and/or garnish wages. They are calling and harrassing myself and my family. On XX/XX/2019, I received a phone call from an unknown number. Someone claiming to be XXXX XXXX at the mediation office of XXXX XXXX XXXX needed me to call them due to a breech of contract. I also receive texts and phone calls from family because these individuals called family members as well. I call them back and they tell me I owe {$730.00} for a payday loan with XXXX XXXX or they are going to serve me court papers and garnish wages. I tell him I have already paid it and he stated that the company I paid is not in the chain of command and it would have to be paid again. He tells me XXXX XXXX XXXX is suing me on behalf of Platinum Holdings group and I need to resolve the debt. I hang up and call XXXX XXXX, they tell me they dont know who this company is and they did not sell the debt to them. I call back and a lady answers stating that Platinum Holdings owns the debt and I have to pay it again. She gives me a phone number for Platinum Holdings Group. I call the number and the guy tells me he doesn't care if I have paid the debt or if I have proof, XXXX XXXX XXXX are suing me for the debt. I call XXXX XXXX XXXX back and am told that for {$700.00} I will not be sued. The original loan was {$300.00}. They ask how much I can afford to pay right away so I said {$350.00} on XX/XX/19 and another {$350.00} XX/XX/19. I ask the guy, XXXX, how do I know if this is going to be resolved because I paid it last year and now im having to pay again he said he would send me a payment agreement email, they couldn't send via mail. Later that night I read the email and it looks suspicious. So I check the California Secretary of state site to see if XXXX XXXX XXXX is an actual company and it doesnt exist. I XXXX   them and find nothing. I search for the address on the letter and its a virtual address, not real. I call them on XX/XX/19, and ask who the attorneys are that own XXXX XXXX  XXXX. XXXX asks why I am needing this info. I then tell him I need to cancel my payment. He transfers me to " XXXX XXXX '' who threatens me and yells at me and tells me they verified my employment and are going to garnish my wages. 

This company contacted me about this last year using the same tactics. This is harrassment and I will be reporting them to the state attorney general for unauthorized practice of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: SC

Complaint narrative:
Disputed inaccurate information concerning late payments, accounts that were not mine and unauthorized inquiries.

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 2020-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
THIS APPLE CARD APPLICATION WONT VERIFY ME ITS NOT WORKING I CALL THEM TO TELL THEM THEY DONT FIX IT TELL ME REAPPLY AFTER 30 DAYS I WAIT SAME RESPONSE THEIR SYSTEM WONT VERIFY ME OR ALLOW ME TO APPLY HOW IS THIS FAIR AND GOLDMAN SACHS WONT DO ANYHTING TO ADDRESS THIS

Company response to consumer: Closed with explanation