vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to request your help. I am a victim of identity theft. I tried to solve this matter with Best Buy CBNA in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail. I was never aware that this account was fraudulently opened. 

As purchasing tv, I did put in SSN. They setup for credit card and I told them not to open it. I thought it was cancelled at the store before even opening. I never used the account. I never got {$320.00} on that card, never even activated card. 

As of today they have failed to provide me with the proof I have lawfully requested. This fraudulent account being reported to the credit bureaus is a violation under the FCRA. 

Account is the following : BestBuy CBNA Account # XXXX. Opened date : XX/XX/XXXX. Limit : {$500.00}. Balance {$330.00}. Status : Closed. Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.

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 2019-10-01 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: GA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: NY

Complaint narrative:
I purchased a car on XX/XX/2019. I was not told nor did I allow my credit to be ran over 4 times. Now I'm left with multiple inquiries for 1 car and I haven't get approved for anything due to excessive 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 2019-10-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I purchased a car on XX/XX/2019. I was not told nor did I allow my credit to be ran over 4 times. Now I'm left with multiple inquiries for 1 car and I haven't get approved for anything due to excessive inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: GA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-10-01 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
On XX/XX/XXXX, I attempted to make a retail payment on my XXXX Mastercard issued by Synchrony Bank. The cashier told me that payment was reject, which was extremely embarrassing for me and also confusing because I had just paid my last bill. 

I called up my account and found I only had {$1.00} available, which I found peculiar as I had paid my last bill ahead of schedule. I checked with my bank and payment had already been debited. I have no history of delinquency with this card, either. 

On XX/XX/XXXX and XX/XX/XXXX, I spoke with the customer service department for Synchrony XXXX Mastercard and was informed that there was a hold on my card until XX/XX/XXXX. I was given several explanations, including that this is routine for cards that are less than six months old ( mine was issued five months ago ) and that the company was waiting five days for the funds to clear the bank. This answers were weird because ( 1 ) I've been using credit cards since 1982 and never encountered a situation where my account is frozen despite being diligent with payments, and ( 2 ) Synchrony received payment on XX/XX/XXXX and my bank account has already been debited. One manager named XXXX refused to connect me to her supervisor, despite my asking six times. 

I could understand putting a hold on my account if I had a history of delinquency or bounced checks, but I pay my bills in full and ahead of schedule. 

No one I spoke to in the customer service operation would lift the hold, with everyone claiming that it was " in the system '' - as if the company was run by self-thinking computers and no one could access data. I sent a complaint to the executive offices and spoke with XXXX XXXX in the office of the company 's president, but I found him unhelpful - he just parroted what I was told earlier about how unfortunate this was, but said no one could lift the hold on my account. 

I have never dealt with a credit card company that freezes the account of customers who are in good standing. Nor have I encountered a financial services company where no one is allegedly able to access account data for lifting a hold. 

I am asking that the CFPB look into the policies for Synchrony 's XXXX Mastercard.

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 2019-10-01 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: TN

Complaint narrative:
I initially made Experian aware of the crime of identify theft that was committed against me. Experian conducted an investigation that yielded results that I did not agree with. I got a letter in the mail saying to send in additional documents if I had them. I then sent Experian a copy of the Police report detailing that my identity was stolen and the party involved was arrested. At this point I don't know what else Experian needs to correct the fraudulent information that was put on my report during the course of committing this crime.

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 2019-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I currently have 12 direct federal student loans, being serviced by Fed Loan Servicing ( AES/PHEAA ). My loans were transferred to Fed Loan Servicing in XX/XX/XXXX. From XX/XX/XXXX until now ( XX/XX/XXXX ), I have worked for two different, qualifying PSLF-employers. Since XX/XX/XXXX, I have made 29 qualifying payments under PSLF. I  have been very careful about recertifying my income-based repayment plan each year and re-certifying my employer by sending in an updated form each year. Even though these recertifications are burdensome and force borrowers unnecessarily into forbearance during the time it takes to process them - I have completed them. This past year, it took Fed Loan Servicing 4 MONTHS to complete my REPAYE certification - that is four months that I was ready, willing and able to make on-time, qualifying payments towards my 120 total payments. Instead, now my 10 years of payments will be delayed for an additional four months. If it takes Fed Loan Servicing 4 months to recertify my payment plan each year, I will be forced to pay into PSLF for an additional 28 months - extending my payments into a 12+year period. 

I have called Fed Loan Servicing on two separate occasions to ask for a PSLF qualifying payment update - once in fall XX/XX/XXXXand just today, XX/XX/XXXX. I do not trust Fed Loan Servicing or the PSLF program to approve my 120 payments unless I have documentation issued by Fed Loan Servicing saying that I have made X number of payments. This is extremely important to me - I am making life decisions based on the life of these loans, which have compounded ( now over {$300000.00} ) since I completed law school. These loans are affecting my mortgage, my child 's education, my profession and my retirement. I need to qualify for PSLF in as close to 10 years as possible under this program. 

My request is that Fed Loan Servicing issue me an updated PSLF qualifying payment update and that recertifications are handled expediently and do not require borrowers to go into forbearance or extend the life of their loan to wait for Fed Loan Servicing to recertify their monthly payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
NCC Business Services # XXXX belonged to my ex-boyfriend. I filed a domestic XXXX case and was able to break the lease without having to pay anything. I had a restraining order filed against him and only lived there for 6 days. This should not be on my credit, it was not my lease and the responsibility is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
For YEARS, I have received dozens of generic and targeted offers from Chase inviting " Our Neighbor '', me personally, and others who haven't lived at this address for YEARS, to open a checking account with a monetary enticement. I have not now, nor would I ever, open a checking or savings account with Chase, and I especially don't want their junk mail. Despite numerous letters and calls requesting removal from ALL mailing list Chase maintains, we continue to receive their junk mail. I want it to stop ... ALL of it. It is beyond me how a company appears to be completely indifferent to removing my name, outdated names/information, and our street address to eliminate and prevent all unsolicited offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Agency of Credit Control
State: CO

Complaint narrative:
On XX/XX/2019, I arrived at my office and received a summons. The summons contained information regarding the amount owed, the name of the creditor ( which is a medical provider ), and personal information. Additionally, I asked the creditor for a copy of the debt and I did not receive the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I reported this matter to the CFPB and Portfolio Recovery Associates, LLC gave a company response that they would Cease & Desist all collection efforts as they are not my original creditor and I do not wish to work with them. I was very specific in my request that they remove all negative reporting they are doing to the 3 major credit bureaus as they are damaging my credit profile. Not only have they NOT REMOVED the reports from XXXX, XXXX, and XXXX they are reporting that the account is accurate and CONTINUING COLLECTION EFFORTS as well as having sent now 4 letters to my residence attempting to collect on the debt in question. I will inlude the 8 page letter because it is front to back herein as Portfolio Collection Letter. PORTFOLIO RECOVERY ASSOCIATES, LLC is not respecting my Cease & Desist request they pretended they never recieved also inclosed herein as Portfolio {$310.00} furthermore they are not removing the negative reporting and continuing to VIOLATE my rights. I implore the CFPB to please assist me with my requests. I will Include all documentation to make proof of my claim. The screenshots indicate Portfolio remarking that the dispute is resolved and the customer disagrees. Portfolio is being deceptive and I need help. I am also enclosing reports from the 3 major  credit bureaus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify the account, under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible, 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 2019-10-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
My husband signed my name for a loan in XX/XX/2017 via online I just found out about when they called about a payment. I did speak with them and asked how was I added to a loan XXXX loan that I didn't sign for nor did I receive any of the money. USAA told me as long as he have the last four of my ss # he could add me. At the time I did not have a USAA account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX # XXXX belonged to my ex-boyfriend. I filed a domestic XXXX case and was able to break the lease without having to pay anything. I had a restraining order filed against him and only lived there for 6 days. This should not be on my credit, it was not my lease and the responsibility 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 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX # XXXX belonged to my ex-boyfriend. I filed a XXXX   XXXX case and was able to break the lease without having to pay anything. I had a XXXX XXXX filed against him and only lived there for 6 days. This should not be on my credit, it was not my lease and the responsibility is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX # XXXX belonged to my ex-boyfriend. I filed a domestic violence case and was able to break the lease without having to pay anything. I had a restraining order filed against him and only lived there for 6 days. This should not be on my credit, it was not my lease and the responsibility 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 2019-10-01 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: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Progressive Management System # XXXX is reporting an account to XXXX   that is not mine. It belongs to my ex boyfriend and I should not be responsible for it. I was involved in a domestic violence case and got a restraining order, this account is his but is still reporting on my credit and needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I was a victim of ID theft earlier this year when somebody filed a tax return that was not mine. I have since been having problems with Equifax allowing me access to my credit an at the login myequifax.com. I also can not freeze or unfreeze my credit through the website, or by speaking with a representative. 

During multiple attempts they repeatedly tell me my account is locked and they will send me a letter in 7-10 business days explaining. The letters have been standard boiler plate type letters that do not provide a clear path to resolving the issue. 

I have sent in a letter requesting to have my identity verified including my Drivers License, SSN, Utility bill. One time I never heard anything back from them. A month later I called and they claimed the copies of the information I sent were illegible. These were perfectly readable, blown up copies of my documents. I sent another letter to them with the same information and once again never received anything back. 

Another problem is that I can get through the automated phone system to freeze or unfreeze my account ( which I did not discover until many hours of dealing with them telling me I could do nothing. ) using only my phone number, ssn, house number and zip code. I am fearful that without actually being able to login to their site to see my personal information and control my credit at will I will be put in a situation when I cam locked out completely due to accidentally entering a piece of information incorrectly. 

It seems that their system has my account black listed or red flagged to so that any single invalid attempt or inability to answer an arbitrary question dating as far back as 20 years locks me out. When they ask questions to verify my identity they ask questions that I would have to dig through my old records to get the correct answer. They refuse to give any type of assistance such as " this question relates to your " 1998 car loan '' so that I can quickly research. And then once I answer they shutdown and refuse to go any further. 

This process with this company has been very frustrating and as a consumer I should not feel I am held hostage to this cor poration that I do not even do business with. They literally control whether I can get a loan for a car or house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: CA

Complaint narrative:
i've been a victim of identity theft and am requesting to have this item removed from my credit report. it does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01 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: GA

Complaint narrative:
I have contacted you all once before. I'm following up. I was recently went to check out a new car at XXXX XXXX. After carefully consideration I was decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items still need to be deleted from my credit report. XXXX XXXX XXXX, XXXX, XXXX-XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX. Inquiries : XXXX XXXX, XXXX XXXX, XXXX, XXXX, 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 explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: CO

Complaint narrative:
I have repeatedly received phone calls from a company claiming to collect debt owed by me to a school i attended. To the best of my knowledge i do not owe the school. 

Their claims about the said debt keeps changing. 

I have not received any written communication about the debt to which i can properly respond. 

The phone calls apart from being distressing offer woefully inadequate information about the debt e.g what service exactly i owe for and to whom specifically i owe.

Company response to consumer: Closed with explanation