vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-25 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: PA

Complaint narrative:
I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

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 2020-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rubin & Rothman, LLC
State: CT

Complaint narrative:
I was served with papers to collect over {$6000.00} on a XXXX card I never had. I called the firm representing XXXX, Rubin and Rothman, and informed them it was not my debt. The attorney, XXXX XXXX, told me he would ask his client for copies of the statements as all statements attached to the complaint lacked what the {$6000.00} was spent on. I received a letter from XXXX asking me to circle the disputed charges on the statements I had and return to them. I wrote back via trackable Priority Mail that I did not have any statements to do that to, as all of the statements attached to the complaint were empty of purchases. XXXX then sent me a letter stating that because I didn't circle which purchases weren't mine on the statements, they concluded the purchases weren't mine which is disengenous to say the least since I never had them.

I am beginning to suspect that XXXX has no records related to why I supposedly owe them $ 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 2020-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was reviewing my credit report and notice multiple errors. Please remove all other addresses off my credit report as they are not deliverable to me by the US Postal service. 

My name is XXXX XXXX. Please delete all other alias or names that you may have they're incorrect. 

My correct phone number is XXXX. Please delete all inaccuracies associated with my phone number. 

My current address is XXXX XXXX XXXX XXXX XXXX TX, XXXX Please delete the following incorrect addresses XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX NY XXXX I also request a free copy of my credit report with the correct and updated information as listed above to my current address. 

Thank 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 2020-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have requests for the attached responses from Discover. I have made several complaints regarding stolen card, fraudulent purchases, and fraudulent payments. I did not steal my own cards nor make fraudulent payments.

Discovers response dated XX/XX/XXXX reflects I called on XX/XX/XXXX advising to allow XXXX XXXX to use, discuss, withdraw fraud claim, and requested balance to pay off. How did Discover know she was also using another name aka XXXX? This is totally false since I had just filed a sheriffs report one day prior on XX/XX/XXXX and I didnt have money to pay off the card! She called Discover, so may I have a copy of the interaction plus all details including the phone number?

Ask yourself ; I am a man who held the card. She is a woman and needed a man to make statements. Someone just decided to call you to tell you to drop the fraud case and alright to talk with XXXX XXXX?????????????? How does that benefit me especially finally a sheriffs report one day earlier? 
There was reason for XXXX XXXX to go to great lengths to steal and have someone impersonate me. I researched the purchases and XXXX XXXX was using card to pay probation fees to XXXX XXXX County. I noticed several payments to XXXX XXXX County Clerk and dialed the number on the statement ; XXXX. XXXX XX/XX/XXXX purchases and call the number. She is also now or was recently an inmate in XXXX County Jail XXXX for false pretenses and forgery. See attached. 
On XX/XX/XXXX, Discover reflects I took full responsibilities for the charges. I asked to continue payments on what I just owed. May I also have a copy of that interaction / details. At that point, I was very frustrated and wanted my credit rating back. I have been asking for payment options and settlement options and I will continue to discuss much to regain my credit. But I have never represented I was married or withdrawing fraud claim.

Then Discover exacerbated the problem by not removing payments and subsequent purchases, closing the account, and then charging off. I had asked for return of cards but Discover isnt able to comply. What can be done? What are the options because my credit should be
restored? Drastically discount the amounts due? But I am XXXX and I now dont have money readily available. I was faithfully making payments to reduce debt, never made fraudulent payments, and am most certainly not married or even common law. Nor am I in the least attracted to someone that XXXX XXXX ugly! 
Calling Discover is very difficult if not near impossible. It has been more productive and a better use of my time to correspond through CFPB. Instead of stressing consumers, would it be better for Discover to call the consumers when Discover is not so overwhelmed? My number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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:
Date : XX/XX/2014 Amount : {$500.00} Action Taken : I ASKED FOR THE AUTHENTIC CONTRACT OR APPLICATION THAT CREATED THIS ALLEGED DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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:
Date : XX/XX/2014 Amount : {$500.00} Action Taken : I ASKED FOR THE AUTHENTIC CONTRACT OR APPLICATION THAT CREATED THIS ALLEGED DEBT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: EQUIFAX, INC.

Complaint narrative:
Two companies under my name shown on credit reports. Equipment, credit cards, loans, mortgages,. This been going on for 17 yrs 6 months. I did complaints. I let Equifax that my identity theft fraud. I still havent got any answers. I reported this XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I was served with papers to collect over {$6000.00} on a Citibank card I never had. I called the firm representing Citibank, XXXX XXXX  XXXX, and informed them it was not my debt. The attorney, XXXX XXXX, told me he would ask his client for copies of the statements as all statements attached to the complaint lacked what the {$6000.00} was spent on. I received a letter from Citibank asking me to circle the disputed charges on the statements I had and return to them. I wrote back via trackable Priority Mail that I did not have any statements to do that to, as all of the statements attached to the complaint were empty of purchases. Citibank then sent me a letter stating that because I didn't circle which purchases weren't mine on the statements, they concluded the purchases weren't mine which is disengenous to say the least since I never had them.

I am beginning to suspect that Citibank has no records related to why I supposedly owe them $ 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 2020-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I received a text alert for a card not present I have an unauthorized charge on my account. This keeps happening with Santander bank!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
G. L. A. collection company, incorporated. 

XXXX XXXX XXXX, XXXX, KY, XXXX Phone : XXXX On XX/XX/XXXX. I received the mail notice from the above collection company. They tried to collect three medical debts under my name. The amounts of debt were XXXX and XXXX separately. 

On XX/XX/XXXX, I replied to the above collection company by mail and gave them my health insurance information. I asked them to contact my insurance company and solve my medical debt problem. However, the amounts of debt they ask for are exaggerated. During all my ER visits, I was only asked to rest there and no medicines or treatments were given to me. For my second visit, I asked for a sandwich. 

On XX/XX/XXXX, I called the above collection company. They agreed to contact my insurance company and mail me a copy of my medical bills in 45 days. 

On XX/XX/XXXX, I called the above collection company. They admitted that they did not contact my insurance company and did not mail the medical bills to me. More ridiculously, they even did not have the medical bills ( or statements from the hospitals ) in hands. It means they did not have the necessary evidence about the debts when they first reported them to the credit bureaus! 

My life has already been destroyed by their reckless behaviors. I was refused to get a mortgage and raise my credit card limits. 

Whenever I called them, they asked me to pay the amounts they asked for but never mailed me any evidence about the medical debts. And they delayed to mail the evidence to me on purpose even I insisted on it and gave them the deadline. I believe this is the fraud now. 

I have all the phone calls between me and the company recorded. All statements above can be verified by solid evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: LEXISNEXIS
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX SS XXXX I would like to order my full report from LEXIS NEXIS, XXXX XXXX, XXXX. I am having issues with inaccurate information on my credit report that has been reported from one or all these CRA 's. I need my correct information to reflect on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: ID Analytics, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX SS XXXX I would like to order my full report from XXXX XXXX, SAGE STREAM, XXXX. I am having issues with inaccurate information on my credit report that has been reported from one or all these CRA 's. I need my correct information to reflect on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible.

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: SLM CORPORATION
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NV

Complaint narrative:
Specialized loan servicing, services my loan. 

XX/XX/20 I requested and was granted the forbearance plan on my loan, end date XX/XX/20. 

XX/XX/20 I received a letter from SLS about my Forbearance plan. It didn't reflect the Cares Act passed by XXXX. 

XX/XX/20 I requested and received an extension on the forbearance plan, end date XX/XX/20. 

XX/XX/20 I received a letter from SLS about the forbearance plan. It didn't reflect the Cares Act passed by XXXX. 

XX/XX/20 I received a letter confirming who the current note holder are on my loan. 

XX/XX/20 I requested ( by letter ) that my Forbearance plan reflect the terms and conditions as the Cares Act passed by XXXX on XX/XX/20. 

XX/XX/20 I received a letter from SLS stating only that " The account is currently participating in a forbearance plan ''. 

XX/XX/20 I received a letter with instructions for " Mortgage Assistance '' I also received a letter with a " Relationship Manager '', XXXX, Teller ID ( XXXX ) I also received a letter with possible options. Including but not limited to : Refi with another lender Loan Mod Repayment plan None of which properly answered my request. 

XX/XX/20 I received a call from SLS stating that my Forbearance plan has been extended until XX/XX/20

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 2020-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On or about XXXX XX/XX/2020 I had to travel to XXXX for personal emergency XXXX Father in XXXX passed away ). I was going from XXXX XXXX XXXX XXXX TX XXXX to XXXX XXXX New Jersey ) to XXXX. I used my credit card for buying some food at XXXX and XXXX. 
It seems that there was a XXXX vending machine which might have done some dummy {$10.00} transactions ( 3 in number ) and none of them were successful. As it is XXXX and personal emergency plus being in XXXX ( away ) from USA - I have no way to contact Citi Master card. I am having this card for at least 5+ years. 
Later I saw that Citi Master card reached out to me and expected to do the dispute for this authorization kind of charges from XXXX. It was expected that if i want to dispute them - I am forced with a new credit card being delivered to my USA address XXXX XXXX TX ). For me it is unacceptable to get a replacement card in USA- I just wanted to continue the services with this little inconvenience ( may be {$30.00} kind of 3 charges of {$10.00} each from XXXX XXXX rather than getting a replacement card being sent to my USA address and I am not having any credit card in XXXX as I am not sure how long I am here in XXXX now ( 3 weeks or 2 months ). 

What i am seeing is that Citi master card blocked my account access. This block means blocking Citi master card as well as Costco Citi visa card. My family is still in USA and they have mine Citi Costco VISA card for costco and other purchases. 

This is so ridiculous that Citi want me to call them in USA ( i can't make international calls ) and go thru some useless IVR/Robot to get nothing out of it. 
Why can't Citi upgrade their Artificial intelligence and machine learning algorithms to do better fraud detection. If a person made some other transactions in that place - why some other failed transactions is an issue.

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 2020-10-26 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: FL

Complaint narrative:
I sent Equifax a certified letter including issues I was having with unverified accounts I never received a response within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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:
I sent a certified letter to Experian in XX/XX/2020 trying to dispute a collection on my credit. The Collection is From XXXX XXXX XXXX and I did not find out about until I got an alert on credit. This is my second time disputing this and Because XXXX XXXX XXXX did not inform me of my right to initial debt validation I was not able to dispute the debt in the First 30 days. 
Consequently Experian and XXXX XXXX are able to keep reporting this information as accurate without proving the debt is valid.

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 2020-10-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had purchased a XXXX refrigerator from Costco during XX/XX/XXXX/XX/XX/XXXX using my Citi Visa card. As per the card member agreement. I get first two years of warranty from Costco/XXXX .3rd and 4th year warranty from Citi . 
My refrigerator is not working fine since XX/XX/XXXX. It's intermittent issue - it's not always cooling. I created a request with Citi Card benefits for this and they created Citi Card Benefits Request # XXXX. 
XXXX XXXX technician came in on XX/XX/XXXX and did the diagnosis. He charged me {$64.00}. 

Citi is neither telling me the right steps nor making these kind of reimbursements. 
Technician told me the compressor has gone bad and it requires replacement. But he has told me verbally and not in writing. 

But Citi can at least reimburse me for this {$64.00} in the meanwhile. It's a long pending case right now.

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 2020-10-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patenaude & Felix A Professional Corporation
State: PA

Complaint narrative:
The creditor they were/are representing did not stick to the contract due to a personal issue with me which resulted in a wrongful repo and tried to blame me.the negatively affected my credit, when the real issue is the company is XXXX and tried to cover up the damages done to my car without my consent when it was supposed to be repaired under their time/warranty. Court documents states i do not owe this money.case was dismissed This is my 3rd time reaching out.

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