vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I had just started working for XXXX XXXX XXXX and needed proof of a settlement or a payment plan with the debt collectors to an apartment complex I resided at. I had broken my lease left before finishing my contract do to some family problems, to finish my on-boarding with the company my leasing manager provided me the information to the debt collectors and to contact them as soon as possible and set up a payment plan because I wouldnt be able to pay the whole amount upfront. I got in contact with the manager  XXXX on XX/XX/2018 and he seemed nice then did explain to me he could take off a few {$100.00} from the debt if I paid that day I stated I still wouldnt be able to afford it and wanted to do a payment of XXXX $ a week he advised me to apply at some company called XXXX   and once I got approved to give him a call right back. So I applied and noticed it was like a payday loan or loan company lucky me I wasnt approved, I called back and informed him I wasnt approved and just wanted to go ahead and do the {$100.00} every Friday from my debit card he agreed and took my card information and I asked for the proof of the agreement we made he stated hed send the statement through email. I finally received the statement but my manager said it had nothing to do with the agreement we had over the phone. I emailed XXXX back informing him that I would need actual proof about our payment plan agreement. Note I was very scared Id lose my job so I was willing to work as hard as I could with the debt collectors. He acted like he never had the conversation with me about a payment plan I had stated I wasnt going to be able to afford it so Id want a payment plan of the {$100.00} every week since I had been jobless for awhile do to problems I was having at home so he offered me XXXX if I didnt get approved then we could go forward with our plan B ( payments of {$100.00} ). 
So I called back and every time Id get someone different so my manager advised to wait till Friday   when my payment would be drafted and if not call right back on Tuesday  XX/XX/2018 since Saturday theyre most likely be closed and on Mondays I was off. I sent an email to XXXX but only wanted me to call and seemed so rude over the emails so my Manager decides shed call with me and the CSR did state I did talk about the {$100.00} a week but he stated I wouldnt get any kind of proof till I finished the full amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonneville Billing and Collections
State: WA

Complaint narrative:
Bonneville collections for {$810.00} this amount is incorrect for the address XXXX XXXX  XXXX XXXX I moved out of my apartment at the end of XXXX early XXXX and requested my power to be shut off it was left on in my name until XXXX of the next year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: DFC Global Corp.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX, California approximately XXXX transactions, each has unlawful ( cheating and stealing XXXX XXXX XXXX  % to remember XXXX XXXX, the truth. XXXX transactions x @ {$50.00} ( 200 % interest rate designed to murder and kill ) total an excess of {$3900.00} X XXXX = GRAND TOTAL OF {$27000.00} TOTAL AMOUNT REFUND DUE BACK TO CONSUMER : Work with XXXX keeping his messages in truth. In XXXX We XXXX. 
XXXX 's First Holy ( People ) XXXX, Religious Rite and XXXX XXXX XXXX always comes through as the Winner in the End, and The Beginning ( Alpha and XXXX XXXX life without end, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I explained to my credit provider that I was new to credit and for this fact after sending in my own money to open up a credit card I really did not believe I was obligated to make ontime monthly payments ... Since the issuse I have never been late ... I just want it to go away permanently..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I explained to my credit provider that I was new to credit and for this fact after sending in my own money to open up a credit card I really did not believe I was obligated to make ontime monthly payments ... Since the issuse I have never been late ... I just want it to go away permanently..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: NJ

Complaint narrative:
I explained to my credit provider that I was new to credit and for this fact after sending in my own money to open up a credit card I really did not believe I was obligated to make ontime monthly payments ... Since the issuse I have never been late ... I just want it to go away permanently..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I paid my loan in full however I was still reported as being late on my payments the creditor has removed this information however two credit bureaus have refused to update the correct information ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: NJ

Complaint narrative:
IpaidmyloaninfullhoweverIwasstillreportedasbeinglateonmypaymentsthecreditorhasremovedthisinformationhoweverXXXXcreditbureaushaverefusedtoupdatethecorrectinformation...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: FL

Complaint narrative:
I am writing today because I am having an issue with a collection agency reporting data to my consumer credit file. I have asked for validation, be it documentation or other documents in compliance with my rights under FCRA. Twice I have asked and twice nothing is provided on this account. They stamp the file FCRA compliance and do nothing to comply. I have no knowledge of the item reported. I am asking assistance in forcing the reporting agency to comply with the law and if it fails to do so, as it has with me on multiple occasions to have the information removed from the 3 credit reporting agencies just as now they have placed it there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: NY

Complaint narrative:
In XXXX, some of my personal information was compromised in the Equifax data breach. In XXXX, an identity thief charged {$30000.00} to a department store ( XXXX 's ) without the card ( it was in my possession ), using a bogus New York XXXX XXXX license. It took months to resolve this issue. Recently, my credit score dropped substantially, which made no sense since I had just paid off my auto loan. I found, through my credit reports, that someone had opened a XXXX XXXX account in my name in XX/XX/XXXX, and had not paid the bill so it was sent to collections. The person used my name, social security number, and the address of a home I sold XXXX  years ago. XXXX XXXX will not help me, and their website refuses to accept the fraud report I have tried to file multiple times. I have lodged a dispute with all XXXX credit reporting agencies. Equifax, who is responsible for this problem in the first place, has gotten back to me, claiming that XXXX XXXX believes this delinquent bill is legitimate. No one, in other words, is being helpful, and I have spent hours and hours just in the last week trying to solve this. I can prove I did not live at the address used to open the account ( I have been at my current address for XXXX  years ) and it also is illogical that I would set up an account with XXXX XXXX XXXX when I live in the XXXX. In addition, I have an impeccable credit record, dating from the XXXX. I have filed a police report, and a report of identity theft with the FTC. I have lodged a fraud alert with all XXXX credit bureaus. When this is resolved, I will freeze my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05 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: NY

Complaint narrative:
In XXXX, some of my personal information was compromised in the XXXX data breach. In XXXX, an identity thief charged {$30000.00} to a department store ( XXXX XXXX ) without the card ( it was in my possession ), using a bogus New York driver 's license. It took months to resolve this issue. Recently, my credit score dropped substantially, which made no sense since I had just paid off my auto loan. I found, through my credit reports, that someone had opened a XXXX XXXX account in my name in XX/XX/XXXX, and had not paid the bill so it was sent to collections. The person used my name, social security number, and the address of a home I sold 13 years ago. XXXX XXXX will not help me, and their website refuses to accept the fraud report I have tried to file multiple times. I have lodged a dispute with all three credit reporting agencies. XXXX, who is responsible for this problem in the first place, has gotten back to me, claiming that XXXX XXXX believes this delinquent bill is legitimate. No one, in other words, is being helpful, and I have spent hours and hours just in the last week trying to solve this. I can prove I did not live at the address used to open the account ( I have been at my current address for 11 years ) and it also is illogical that I would set up an account with XXXX XXXX XXXX when I live in the XXXX. In addition, I have an impeccable credit record, dating from the XXXX. I have filed a police report, and a report of identity theft with the FTC. I have lodged a fraud alert with all three credit bureaus. When this is resolved, I will freeze my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05 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: NY

Complaint narrative:
In XXXX, some of my personal information was compromised in the Equifax data breach. In XXXX, an identity thief charged {$30000.00} to a department store XXXX XXXX 's ) without the card ( it was in my possession ), using a bogus New York XXXX XXXX license. It took months to resolve this issue. Recently, my credit score dropped substantially, which made no sense since I had just paid off my auto loan. I found, through my credit reports, that someone had opened a XXXX XXXX account in my name in XX/XX/XXXX, and had not paid the bill so it was sent to collections. The person used my name, social security number, and the address of a home I sold XXXX years ago. XXXX XXXX will not help me, and their website refuses to accept the fraud report I have tried to file multiple times. I have lodged a dispute with all three credit reporting agencies. XXXX who is responsible for this problem in the first place, has gotten back to me, claiming that XXXX XXXX believes this delinquent bill is legitimate. No one, in other words, is being helpful, and I have spent hours and hours just in the last week trying to solve this. I can prove I did not live at the address used to open the account ( I have been at my current address for XXXX years ) and it also is illogical that I would set up an account with XXXX XXXX XXXX when I live in the XXXX. In addition, I have an impeccable credit record, dating from the XXXX. I have filed a police report, and a report of identity theft with the XXXX. I have lodged a fraud alert with all XXXX credit bureaus. When this is resolved, I will freeze my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I don't have a credit card with this company I don't know what they are doing or talking about

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo Bank ; Card # XXXX Before during and after the Bank admitted to selling and distributing the public 's personal information I was constantly being harassed with phone calls from XXXX company selling life insurance and another company selling renter 's insurance ; this went on for several XXXXXXXXhe life insurance company knew both my DOB ( XX/XX/1949 ) and mailing address/phone number while the Renter 's insurance company knew my complete mailing address/phone number and specifically my apartment # XXXX only Bank that had this information and had admitted some of it's employees did indeed sell my and other 's personal information.Had a claim with Wells Fargo XXXX XXXX and waited for a response after several phone calls and unkept promises of a resolution and was repeatedly advised somebody would respond and no body did so I called them and the claim was denied.XXXX XXXX was forced earmark {$500.00} million dollars for their illegal and immoral behavior and now they are attempting to shirk from their responsibility to fairly compensate the victims of their behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: CA

Complaint narrative:
Prior to receiving my account activity for XXXX in the mail. The option to view recent transaction online was unavailable due to technical difficulties with the companies website known as www.eppicard.com. On XX/XX/19 I received my account activity in the mail and became aware of the fraudulent transactions. Contacted the XXXX reported my card lost/stolen. New card was expedited to me in the mail 2 calendar business days. 5 business days later I received my questionnaire of fraud form. Completed the form to the best of my knowledge. Documented the transactions I was disputing on the form from XX/XX/19 through XX/XX/19 totaling to an amount of XXXX dollars. Haven't received my XXXX account activities customer service had to give me the information of the amount and merchant names for XXXX. I Mailed the form out as soon as possible. Few days later I called the XXXX to check the status of my claim and I was informed that my claim was denied. Asked to speak with a supervisor that can possibly help me understand why it was denied. Supervisor informed me over the phone that it was denied due to me reporting my card lost/stolen on XX/XX/19. I stated the last time I used my card was five days after I reported it. Nothing in my statements or phone calls was on XX/XX/19. I wrote on the paper it was XX/XX/19 and they have evidence of me calling and reporting my card on XX/XX/19. Supervisor stated that he emailed the fraud service department to look at the claim again. On XX/XX/19 I received a letter from the fraud service department that they found a conflict in the information I provided so based on that they are unable to confirm that fraud occurred. On www.eppicard.com it states if I see an transaction I need to dispute contact customer service immediately and refer to XXXX XXXX  issuer disclosure. Which I followed and the disclosure states my debit card is insured up to XXXX. I contacted the merchants and they couldn't reimburse me I was told to contact my bank and follow there procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
I know I was behind on my mortgage payments. XXXX XXXX time XXXX tried to contact my place of employment pretending to be XXXX payroll department, trying to get me to return there call. Now i have tried to pay XXXX payments and was blocked on web site from doing so, then called company to pay and they are trying to tell me they won't accept my XXXX payments and then hung up on me. Then every time I called back they kept hanging up on me. Left message with Manager and no return call. They don't want to take payments, then they are not taking my house. I had trouble with them taking payments before and fixing credit as well as correct date paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: TX

Complaint narrative:
Equifax has me listed as XXXX XXXX XXXX XXXX XXXX XXXX  transunion let 5 XXXX inquires in 3 days call me crazy but XXXX only needs 1 XXXX XXXX  sent the application that was a business of mine i'm the ceo  never was thtere XXXX XXXX said they had me on camera but i'm sure that's a hippa violation bace on race

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
Applied for car loan with one finance institution and application was sent to several institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: TX

Complaint narrative:
Equifax has me listed as XXXX XXXX XXXX XXXX XXXX fifth XXXX let 5 XXXX inquires in 3 days call me crazy but XXXX only needs 1 XXXX  XXXX  sent the application that was a business of mine i'm the ceo never was thtere XXXX XXXX said they had me on camera but i'm sure that's a hippa violation bace on race

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Equifax has me listed as XXXX XXXX XXXX XXXX XXXX XXXX transunion let 5 XXXX inquires in 3 days call me crazy but XXXX only needs 1 compass bank sent the application that was a business of mine i'm the ceo never was thtere XXXX XXXX said they had me on camera but i'm sure that's a hippa violation bace on race

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: CORELOGIC INC
State: TX

Complaint narrative:
Applied for car loan with XXXX finance institution and application was sent to several institutions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: Credit Plus Inc
State: TX

Complaint narrative:
Application for car loan sent to several finance institutions.

Company response to consumer: Closed with explanation