vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-25 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: IL

Complaint narrative:
In  XXXX     2017 I pulled my cred it report for all  XXXX  bureaus to find an open    XXXX   XXXX   XXXX    account that was not mine on my credit report I sent a certified letter on  XXXX   XXXX ,    2017 (  signed for on   XX/XX/2017  ) to  the provided address on the report asking the company to please send me information that bearing this was indeed my account and to provide me with documentation that contained my signature and that the information they were reporting is being disputed. On  XXXX   XXXX ,    2017 th e company sent me a billing statement stating this was there proof. On  XXXX   XXXX ,    2017 after  31 days I did not receive anything bearing my signature so I rechecked my credit report to find the company had not placed the disclosure " notice of dispute '' on my account. I resent another certified letter on  XXXX   XXXX ,    2017 ( se e attached ) signed for on    XXXX   aski ng them to remove this from my report since they had not provided me sufficient evidence showing this account belongs to me nor did they place the notice of dispute on my account within 30 days of my origin al letter therefor vio lating the Fair Credit Reporting Act and the Fair Debt Collection Practices.. It has been almost 60 days and the notice still does not appear on my consumer report nor has the company responded to m y letter s to provid e evidence.

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 2017-07-25 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: IL

Complaint narrative:
In  XXXX   2017 I pulled  my credit report for all  XXXX  bureaus to find an ope n    XXXX   XXXX   XXXX   account that was not mine on my credit report I sent a certified letter on  XXXX   XXXX ,    2017 ( signed for on  XX/XX/2017  ) to the provided address on the report asking the company to pl ease send me information that bearing this was indeed my account and to provide me with documentation that contained my signature and that the information they were reporting is being disputed. On  XXXX   XXXX ,    2017 the c ompany sent me a billing statement stating this was there proof. On  XXXX   XXXX ,    2017 after 31  days I did not receive anything bearing my signature so I rechecked my credit report to find the company had not placed the disclosure " notice of dispute '' on my account. I resent another certified letter on  XXXX   XXXX ,    2017 ( see   attached ) signed for  on  XX/XX/2017  asking t hem to remove this from my report since they had not provided me sufficient evidence showing this account belongs to me nor did they place the notice of dispute on my account within 30 days of my original lett er therefor violating t he Fair Credit Reporting Act and the Fair Debt Collection Practices.. It has been almost 60 days and the notice still does not appear on my consumer report nor has the company responded to  my letter s to pro vide evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 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: IL

Complaint narrative:
In  XXXX   2017 I pulled  my credit report for all   XXXX   bureaus to find an  open   XXXX   XXXX   XXXX   ac count that was not mine on my credit report I sent a certified letter on  XXXX   XXXX ,    2017 ( s igned for o n  XX/XX/2017  ) to   the provided address on the report asking the company to please send me information that bearing this was indeed my account and to provide me with documentation that contained my signature and that the information they were reporting is being disputed. On  XXXX   XXXX ,    2017 the co mpany sent me a billing statement stating this was there proof. On  XXXX   XXXX ,    2017 after 3 1 days I did not receive anything bearing my signature so I rechecked my credit report to find the company had not placed the disclosure " notice of dispute '' on my account. I resent another certified letter on  XXXX   XXXX ,    2017 ( see att ached ) signed for on   XX/XX/2017  as king them to remove this from my report since they had not provided me sufficient evidence showing this account belongs to me nor did they place the notice of dispute on my account within 30 days of my original l etter therefor violating the Fair Credit Reporting Act and the Fair Debt Collection Practices.. It has be en almost 60 days and the notice still does not appear on my consumer report nor has the company responded to my lette r s to provide evid ence.

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 2017-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX is currently reporting several accounts as charge off accounts. These loans were paid in full via a loan consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I made a purchase from PayPal on X/XX/17 for {$100.00} with my credit card. The item received was not as described. Later in XXXX 2017, I disputed the charge through the credit card and received provisional credit. I then received a questionnaire from the card company dated X/XX/17. I filled out questionnaire and returned with documentation of emails and text messages between myself and seller to card company via certified mail number XXXX. On X/XX/17, I was rebilled the charge to my credit card. I contacted paypal to see if I could submit a dispute with them. I was ultimately told no ; however, through my inquiry process I was informed that my credit card company disputed the charge with paypal using the reason " item not delivered ''. My credit card company received proof of delivery from merchant and subsequently rebilled me. I did not dispute that the item was delivered, my dispute was that it was not as described. I informed the card company of this when I initially made the complaint, and in the questionnaire sent via certified mail. I disputed the charge again on X/XX/17 with the credit card, yet I did not receive a provisional credit. This dispute has not been resolved since X/2017 and has thus far been processed erroneously. Merchant represented in XX/XX/XXXX text message that he could work with files. I paid, only to receive unusable files. It was only on XX/XX/XXXX, after I paid, that merchant said he could not be sure by email. Yet he clearly represented he could work with files before payment.

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 monetary relief
Consumer complaint received 2017-07-25 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: NC

Complaint narrative:
My complaint is on XXXX XXXX XXXX. Back at the end of XX/XX/XXXX I sent a dispute letter and online dispute to have the unauthorized inquires removed from my report. I asked it to be investigated and verified. I also want to know the name of the person they spoke with and copies of verification of my signature or authorization. I also advice the that the Collection agencies on my report did not have permission to use my information,  I do not have an original account with them or any signature saying they could collect on me. I asked for validation  and verification from the debt collector according to FDCPA rules.  They return my online dispute after 3 days saying it was valid, but did not provide the Property and information I asked for. They have not removed these unauthorized inquires and it is affecting my credit. XXXX has sent me the same letter 3 weeks in a row with out the validation or verification only to say the i.inquires will not be removed. I also spoke with a representative on the phone who did not provide any assistance.  This has been actually going on for awhile and no proof has been provided. Please have them to remove all inquires off my credit report and remove the collections that are not the original creditor.

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 2017-07-25 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: NC

Complaint narrative:
My complaint is on XXXX XXXX XXXX. Back at the end of XX/XX/XXXX I sent a dispute letter and online dispute to have the unauthorized inquires removed from my report. I asked it to be investigated and verified. I also want to know the name of the person they spoke with and copies of verification of my signature or authorization. I also advice the that the Collection agencies on my report did not have permission to use my information, I do not have an original account with them or any signature saying they could collect on me. I asked for validation and verification from the debt collector according to FDCPA rules. They return my online dispute after 3 days saying it was valid, but did not provide the Property and information I asked for. They have not removed these unauthorized inquires and it is affecting my credit. XXXX has sent me the same letter 3 weeks in a row with out the validation or verification only to say  the i.inquires will not be removed. I also spoke with a representative on the phone who did not provide any assistance. This has been actually going on for awhile and no proof has been provided. Please have them to remove all inquires off my credit report and remove the collections that are not the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CO

Complaint narrative:
My Name is XXXX XXXX Western Union was supposed to transfer some money for me to the XXXX XXXX. They did not complete the transfer and they refused to reimburse me. I sued them in court and I was awarded the money plus court costs. I sent them a copy of the court decision with the amount of money they owe me but Western Union has been giving me the run down. Every time I call them, a new person sends me to another new person that tells me they will get back to me. My case number with Western Union is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Mobiloans, LLC
State: IN

Complaint narrative:
I contacted XXXX XXXX the collection agency that bought my debt from mobiloans in early 2017. I informed them that I wished to start working on getting my account squared away. I told them at the current time I could afford {$50.00} a month to which I was told that was fine as long as I made two months of payments around 140 a month to start to show good faith. I really did n't have that kind of extra month but agreed to just to start the ball. After several months I contacted them to see if I could get a settlement offer. In reply they told me no that I was not going to get a settlement because they were allowing me to make payments to begin with. I told them that I felt that was unfair and wished for them to cancel all payments since they wanted to charge me a fee if I paid monthly vs having them auto draft from my bank. At this point the guy became mad about it and in short terms used threstening words and tone to try and get me to keep paying. I refused until they would give me a good settlement that satisfied both parties. I told them i would have some money for a settlement around XXXX XXXX 2017 if they could come up with a decent settlement around then to call me and maybe we could come to agreement. The guy then told me without an agreement from XX/XX/XXXX to XX/XX/XXXX there was a good chance that they would sue me. I felt very pressured into everything. But still said no to anymore payments. Fast forward to XX/XX/XXXX I find that Summit has taken {$50.00} from my bank. I call my bank to report it and my bank canceled my debit card and starting a fraud report. They also suggested I call XXXX  to try and fix it. When I call XXXX the first lady talked to me and told me that I had agreed to the charges but said there was an email on my account that said I had cancelled all payments back in XX/XX/XXXX but then I called and told them to resume payments and to change my due date. I had not called them at which point she hangs up on me. I spend the next 2 hours calling them back to only be hung up on or transfered. Finally they get me a manager and he claims I told them to change my due date and keep taking the money out. When I told him I did n't he argued with me. After several times I tell him that they took the money without my approval and he said no I had given it in the beginning so it carries over even after I cancelled the payment because I wo n't tell them my intentions with the account. I told him I wanted my money back for the payment they just took and to cancel the rest of any thing on the account. He said no to my refund and then said the rest are cancelled and then hung up. I did n't get any confirmation or anything. My wife also has an account owned by them and her account is having the same problem right now as well.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
After being unable to pay my student loans navient only suggested forebaring and deferring payments. They never offered income based repayment. My loans went into default and only learned about income based payments through a loan rehab company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
I asked them for verification of the debt since I did n't recognize the account and all they sent was a letter stating the amount without any type of break down or representation on what the account is. Then when I reached out to the actual entity that sold them the debt they sent me a break down of charges but I do not recognize because this is a fraudulent account. I have been a victim of many account and items opened and filed in my name which is why there is a fraud alert on my report now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
This is stemming from the dispute/response I received from GRC in which I filed against General Revenue Corporation : General Revenue Corporation is a collection agency not a lawyer or attorney. GRC do not operate off of FCRA laws. Since they are debt collectors the company supposed to abide by the FDPCA laws. GRC did not send me an agreement with the original client that authorizes GRC to collect on this alleged debt nor did I sign any agreement stating that if any information were mine that the original creditor can share my personal information. All collection agencies need to be licensed in the state of Ohio with the attorney general of Ohio. I have did my research and GRC is not registered with Ohio attorney general. I have also sent a cease and desist to GRC. The only person I need to discuss this fraudulent matter with is XXXX XXXX. This is a inconvenience for me. I am in the process of purchasing another home and this fraudulent information is a great concern. I will be forced to sue for damages if GRC do not remove from the credit reporting agencies. Do not send me another response through CFPB stating I need to contact GRC. Remove immediately!

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 2017-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: MT

Complaint narrative:
I have called Discover three times to get this straightened out. I called and agreed to pay {$26.00} and they would waive the late fee. I did it. via phone pay. They did not waive the late fee. I got another bill for {$26.00} late fee. I called. They said the would waive it. I got another bill with two late fees. They keep charging me a late fee. The account should have been zeroed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: NV

Complaint narrative:
I was sent a collection notice by XXXX XXXX XXXX for creditor XXXX on XX/XX/XXXX. XXXX showed a debt of {$570.00}. This charge was for final payment on XXXX account for services, plus an additional amount of {$200.00} for the phone and {$27.00} for a lease charge cancel fee. On XX/XX/XXXX, I went to the XXXX store located at XXXX XXXX XXXX XXXX in XXXX, Nevada. I was assisted by XXXX XXXX, a XXXX employee. I returned the phone at that time. XXXX XXXX accepted the phone and reduced the bill in the amount of {$220.00}. I paid the remainder of the bill {$340.00} and was assured that my account was settled. On XX/XX/XXXX, I received a collection notice from Receivables Performance Management , LLC, ( RPM ) on behalf of XXXX, in the amount of {$200.00}. Prior to this action, I had received no notice of intent, no revised billing and no other acknowledgement or communication from XXXX that any amount was still owed prior to the collection notice. On XX/XX/XXXX, I contacted XXXX via telephone. I was advised that I needed to provide either a PIN or give the name of my elementary school for personal identification. I gave the name of my school, as I had not set a PIN. I was advised that the school name I gave was incorrect. I only went to ONE elementary school, and I remember the name clearly. I was not given any information as I could not " prove '' who I was, even though I provided all my details including account number. I was advised to go to a XXXX store and provide 2 forms of ID. XXXX area XXXX stores average a 1 to 2 hour wait. I have advised RPM that I 'm disputing this debt. However, this collection will destroy my credit, with a home purchase planned in less than 2 months. I 'm asking for any and all assistance in resolving this issue. 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 2017-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc.
State: GA

Complaint narrative:
On XXXX XXXX, I contact AR Resources ( Address : XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX ) to request documentation regarding two charges they posted to XXXX, XXXX, and XXXX. I did, however, provide the XXXX account numbers appearing my credit report, and the agent stopped me after the XXXX digit and confirmed the account numbers are not real. I responded, then why is AR Resources provided fake account numbers to the credit bureaus, me, and everyone else with access to my credit file, and I was informed that they would not discuss the matter with me unless divulge my full social security number. The rep told me they already have it anyway because that is how they were able to post the accounts to the credit bureaus, and I told him, I do not think it is proper for me discuss anything without ( a ) an explanation in hand on what I am being charged for and why, ( b ) and that I personally aware of how things can be reported with inaccurate socials, DOB, and names. I also informed them that the debt was covered under a Letter of Protection accepted by the original creditor, and I am in constant communication with my attorney who has not informed me that my case is closed, or of his unwillingness to continue representing me. Additionally, health insurance was provided at my initial visit to the actual creditor : XXXX XXXX XXXX XXXX XXXX ( XXXX ). Neither XXXX, or AR Resources attempted to contact me regarding the debt, though my address and phone numbers are in my credit file, and the date of service was actually in XXXX, but they are falsely indicating that the account open date is XX/XX/XXXX. Furthermore, my attorney XXXX XXXX, has informed me that XXXX has hired debt collectors to go after a number of his active clients and he has personally reached out to them and asked that they cease debt collections, as per the letter of protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Service Bureau, Inc.
State: TX

Complaint narrative:
I never received any information regarding this debt. The collector said they mailed something to me, I never received it. Once I received the bill all it said was the amount, and not what services or any information regarding debt. I told them it was identity theft. They automatically wanted to talk to my attorney. They would n't take mail me the information as a response. I am not going to just give out information. My identity was stolen. I mailed them a letter stating my identity theft, and asking for all records retaining to my debt. They will not comply and keep contacting me.

Company response to consumer: Closed with explanation