vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NM

Complaint narrative:
XXXX XXXX illegally tacked on unexplained and incorrect charges to my cellular bill. They are claiming a debt in the amount of {$2300.00} for 2-3 months of service is owed. I called them numerous times for an adjustment and correction to the bill. They refused. I disconnected the service and paid only the monthly amount I owed. XXXX XXXX turned over the unpaid charges to collection agencies. The current one, Radius Global Solutions keeps calling daily from various telephone numbers.

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 2021-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In XX/XX/2018, I contacted Navient and submitted an application for Public Service Loan Forgiveness. I have been an XXXX  for 20 years and have been paying on my student loans for 15 plus years. I inquired about student loan forgiveness and they told me that I was ineligible. I asked them if there is any way to become eligible and they vehemently replied, " No!. '' I recently graduated in XXXX with my XXXX and have been working with a different loan processing company for my current student loans. They told me that in XX/XX/XXXX, I could have easily consolidated my loans at Navient and then all payments would count towards loan forgiveness. Navient intentionally provided me with misinformation and it will cost me tens of thousands of dollars. I would like to file a formal complaint against them. I have documentation of emails for when I inquired about the student loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: FL

Complaint narrative:
I am shocked. And my life will not be the same. I can not understand how that happened because I have never had this kind of issues in my life. I found fraud inquiries and I do not recognize them. I want you to delete them once and forever please do it. I am victim of identity theft and my report proves it and also if you manage investigation you will understand.

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 2021-06-17 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: FL

Complaint narrative:
I am shocked. And my life will not be the same. I can not understand how that happened because I have never had this kind of issues in my life. I found fraud inquiries and I do not recognize them. I want you to delete them once and forever please do it. I am victim of identity theft and my report proves it and also if you manage investigation you will understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted an initial dispute To Experian on XX/XX/XXXX of 2021 in which the results came back stating that the dispute was investigated and confirmed as accurate. No proper steps were taken to validate the items reporting on my credit report and when I asked them what they did to validate the debt, they told me I would have to wait until I received the results via mail. I received the results 30 days later and there was nothing stating how they confirmed the items. I submitted another dispute on XX/XX/XXXX of 2021 and was told the same thing as the results came back in the mail. I then opened another dispute with a fraud affidavit, copy of my drivers license, and copy of my social security card on the XXXX of XX/XX/2021. Pursuant to 605B of the fair credit reporting act, Experian has 4 days to investigate and block fraudulent information on my report. I called Experian today, XX/XX/2021 at XXXX CST and the initial recording asked was I calling about an open dispute. I said yes, was transferred to one department where the woman said shed transfer me to the correct department, that next department said I needed to speak with fraud and theyd transfer me. I finally get to the fraud department. I explain to him the process and he began telling me I needed to wait 30 days for the dispute to clear which is incorrect when it involves fraud and they are committing individual actions ( violations ) by not following protocol according to FTC. I explained to the representative this was incorrect and he said hed look into it. He put me on hold for 5 minutes and came back. The representative said my name and then hung up on me. Now when I try to call back, the recording doesnt recognize I have an open dispute and wont put me through to a live person. Ive called 8 times today since I was hung up on. Each time, it asks for my social security number and after I enter it, it asks what I need help with. When I choose the fraud option, theres no option to speak with a representative. When I choose the freeze option, theres no option to speak with a live person. When I press 0, it says theres no option to speak with a representative at the moment. It also seems as if the disputes arent even open anymore since it doesnt recognize I have disputes open at the beginning of the call anymore as it did the first time I called! At this point, they are playing with my livelihood and Ive followed every step according to FTC and Experian isnt following protocol. Something has to be done! My process to purchase a home is on hold because they arent keeping me safe or following FEDERAL law! This is grounds for a lawsuit if this isnt corrected!!

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 2021-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020, I redeemed my Chase Reward Points ( XXXX points ) for {$530.00} to purchase two flight tickets ( Itineary # XXXX, details attached ) for me ( XXXX XXXX ) and my spouse ( XXXX XXXX ). 

One XX/XX/2020, we received an email ( attached ) from Chase Travel that our flights are cancelled by XXXX XXXX, due to COVID 19, and can only offer us travel voucher at the moment. I contacted Chase via email ( evidence attached ) as well as customer service phone calls, insisted that I declined the travel voucher option, and demand a full refund in form of original Chase Reward Points used for this booking. Chase told me that they can not refund anything unless they got refund from the XXXX, and explaining to me that there are two transactions involved : ( 1 ) I used my Chase Points to redeem the tickets with Chase, ( 2 ) Chase separately used their own funding to procure the ticket on behalf of me. I also tried to contact the XXXX myself, but given that the tickets are purchased via Chase, XXXX XXXX is NOT able to process the refund directly with me. 

Over the last 12 months, I have made more than 15 phone calls ( evidenced at Chase 's own customer log ), and sent several emails to Chase, demanding to get my Chase Reward Points returned to me ( evidenced in the attached emails ). However, their response is the same ; unless Chase gets refund from the XXXX, I can not get the refund. 

Chase is using its travel agency subsidiary. Under the law, if flights are cancelled, customer is entitled to get the full refund. And Chase can not force me to take travel voucher with XXXX XXXX, as Chase XXXX XXXX can be redeemed as cash to pay for a wider range of payment/ services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17 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: DISCOVER BANK
State: NY

Complaint narrative:
the accounts listed here were reported on my credit report without any authorization, review dentity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
the accounts listed here were reported on my credit report without any authorization, review dentity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XX/XX/XXXXAccount XXXX : XXXX This is not mine. 

4. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

5. Identity Theft XX/XX/XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft XX/XX/XXXXXXXX Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/XXXX I received a collection notice from XXXX XXXX, XXXX, XXXX trying to collect on an account listed as XXXX XXXX ( not kidding ) that somehow was attached to my name. The company was listed as having a physical address of XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, NY. I checked on XXXX and it appears to be a storefront of sorts without much more heft. They listed an account from Synchrony Bank which I have never done business with and when looking for their physical address found four locations. Apparently they used to be GE consumer loans and their CEO XXXX XXXX left GE when it separated itself from GE. Synchrony apparently bought all of PayPal 's credit accounts but I have never used paypal either. There was no information as to what I had supposedly purchased, or when, or from whom and what makes this particularly absurd is that someone processed the account under the name XXXX XXXX XXXX When I was a XXXX XXXX XXXX for XXXX XXXX my signature was good for {$25000.00} and it would be appropriate for whoever committed the fraud that started this all off should have the balance charged against their signature. As a bonus, whoever accepted the account from Scynchrony Bank and XXXX XXXX, XXXX, XXXX should also be billed for the amount as a penalty for not even bothering to read the name on the account. I have no idea how that got any of my personal information to link the account. I'll leave that all up to you.

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 2021-06-17 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
the following accounts are appearing on my credit report without any authorization, please review them, it is hurting me dentity Theft XXXX  XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

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 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS
State: MO

Complaint narrative:
On XXXX, I sent communication to Lexis Nexis via certified mail requesting their method of verification regarding the bankruptcy that is listed on my credit report. I did not receive a response from Lexis Nexis. I sent a follow-up communication on XX/XX/2021, again requesting the method of verification with no response from Lexis-Nexis. My final communication was sent via email to Lexis Nexis on XXXX XXXX. I received an auto-reply back advising that my email was received. I have not received ANY communication back regarding any of the three requests for the method of verification used for the bankruptcy listed on my credit report. Due to a lack of investigation into this matter, and multiple requests for method of verification, I am requesting to have the information removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I sent letters to I C Systems ( collection agency ) requesting to validate the debt of {$1800.00} from the original creditor XXXX. According to my credit report, this debt was opened on XX/XX/XXXX. After careful research on my end, this debt originated back in XXXX and is now being falsely reported on my credit file as a new debt. My actions to get this error corrected has been ignored and I need this resolved immediately. 

I C Systems XXXX XXXX XXXX XXXX  XXXX, MN 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 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Hello. This was CFPB Complaint XXXX for TransUnion and now it is this CFPB Complaint ... Just so you know, that is. With that said, upon trying to mail TransUnion at XXXX today, XXXX, I found out that I can NOT mail ANY information to TransUnion because they have provided me with NOT a thing other than a P. O. Box which is 100 % UNacceptable. In other words, know I require a Mailing Address for TransUnion and have yet to be given one.

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 2021-06-17 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have sent investigation and dispute letters on the following dates : XXXX XXXX XXXX XXXX Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have sent multiple request and I feel like Im being ignored. I sent letter after letter highlighting these inaccurate items caused by identity theft. The other bureaus recognized these items as inaccurate and deleted them. I sent proof of that and still not answer. FDCPA Section 807 clearly states that inaccurate items must be deleted. I have asked for verification and still as of today over 180 days later no verification. No original contract, no personal information, no who did you speak with to verify. I demand these inaccurate items be removed immediately. These are violating my right and I have no other choice to proceed to legal action. This is a direct violation of 15 us code 1692. My information was also impacted in the Equifax and XXXX  data breaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX SS # ENDING IN 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 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX SS # ENDING IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: FL

Complaint narrative:
Greetings, Approximately 4 months ago, my wife and I settled with Discover Card for an account and agreed that this would result in XXXX balance and closure of the account permanently. They agreed and a check for that exact amount was mailed and subsequently cashed. 

Now they are harassing us, claiming additional amounts are owed, somewhere in the neighborhood of {$400.00}. This is essentially fraudulent. 

The agreed-upon amount was PAID IN FULL and a letter confirming this was received. 

Again, harassing calls and letters have been and currently are being done. 

This should be a non-issue as the agreed-upon balance was PAID.

Company response to consumer: Closed with explanation