vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-30 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: FL

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, UNIVERSITY XXXX XXXX, US DEPT XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This morning, XX/XX/XXXX at XXXX XXXX. I contact Old Navy Credit Card concerning over charging or taking out additional automatic electronic payments since XX/XX/XXXX. I mentioned that there are some that I can verify, but there are many that I can not verify, and I'd like for them to verify. I spoke with 2 representatives, the first one XXXX, who could not understand and kept rambling about how I have three credit lines so there should be 3 payments each month, even if one of the account had a balance of {$0.00}. I asked to be transferred to another representative, her name was XXXX. She was able to verify some of the automatic e-payments, but many that she was not able to backtrack or see. Being frustrated, I called my bank and asked XXXX XXXX XXXX XXXX to help me track the other unauthorized automatic e-payments. The bank teller was able to provide the trace number to me so that I can ask Old Navy Credit Card to trace where the unauthorized automatic e-payments were going through. So, this evening I contacted Old Navy Credit Card again, this time, through the virtual chat and spoke with a representative XXXX. He also confirmed the same thing that XXXX was only able to confirm. I asked XXXX, if given a few of the trace numbers, will he be able to tell me where these unauthorized e-payments were going to, such as another person 's account or perhaps an electronic error or even an old account. He also responded that he was not able to do so. I am very frustrated with the same response Old Navy Credit Card has given me and need an actual Synchrony representative or someone who can help me resolve this. At least, tell me that they can transfer me to speak with a representative from the fraud department or something, but there was no offer.

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 2020-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc.
State: CA

Complaint narrative:
My documents have my name misspelled. My name is XXXX ( one word ) NOT XXXX XXXX ( XXXX is not a middle name ) I was very specific with the mortgage company regarding the spelling of my name and was assured that it would be spelled correctly. I brought it to their attention numerous time and was assured each time that it would be correct for the filing. When I receiving the documents to sign in front of the Notary I again expressed concern regarding the spelling of my name. we called the loan agent and was assured that it was not a problem and would be corrected. I have received my documents from the new mortgage company as sell as the grant deed from the title company. My name is misspelled on everyone of the documents. consequently all the reporting etc. will be reported under the incorrect name. I contacted American Financial Network and have received NO response. I also specifically asked if they would hold the loan the full term of the loan I was assured that they would. The ink was hardly dry on the paper and I received notification that the loan has been sold to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them. 


I have been the victim of fraud since 2014 and have had to combat it ever since.

These accounts are the result of fraud, I have never opened these accounts or had any knowledge about these accounts till now. I have the police report and I have the Federal Theft Affidavit. This is getting out of hand. 

Under the FCRA 2009 ( b ) ( 3 ), these accounts are known to be fraudulent, are the result of fraud and I am now asking that you do your duty under federal law to cease and desist.

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 2020-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JNR Adjustment Company, Inc
State: CA

Complaint narrative:
In the year ~XXXX, I reported what I believe is an electric box ( which was already brittle and broken ) that is located in my property. I had three people trip on that box because of the carelessness of XXXX XXXX XXXX not taking the time to up keeping that box. So I took the initiative of reporting it to them so that they have it fixed. They hired a third party contractor to have it fixed. They sent me a bill to pay for it. Then XXXX started making phone calls in XXXX persistent that I am supposed to pay. I explained to them that I never asked to put that box on my property, thus shouldn't be required to pay for any of that. I pointed out that the lid of that box even says " XXXX ''. It doesn't say my name. Hence, reason enough for them to have to pay for it, not I. We had a very heated discussion over the phone. 
In about XXXX, XXXX, I reluctantly made a claim with my home insurance and was settled in about 3 weeks. In the latter of the year of XXXX to present, apparently XXXX had hired a debt collector : JNR. In spite of my claim being settled and me advising them that it has been so, they keep sending me correspondence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
In your response dated XX/XX/2020 please answer the follow up questions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: CA

Complaint narrative:
I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them. 


I have been the victim of fraud since XXXX and have had to combat it ever since. 
These accounts are the result of fraud, I have never opened these accounts or had any knowledge about these accounts till now. I have the police report and I have the Federal Theft Affidavit. This is getting out of hand. 

Under the FCRA 2009 ( b ) ( 3 ), these accounts are known to be fraudulent, are the result of fraud and I am now asking that you do your duty under federal law to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: NV

Complaint narrative:
These are not my accounts.

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 2020-06-30 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: NV

Complaint narrative:
These are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: IL

Complaint narrative:
Company is using a robot to make repeated calls though out the day, company calls from multiple numbers. they have been told to stop and claimed to not know it was illegal to use a robo call system for debt collection per the fdcp laws.

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 2020-06-30 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: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
American Adjustment Bureau has violated HIPAA Laws. I ask them to send me evidence to validate my debts with the original Creditor and they sent me copies of personal medical info about my visit at the hospital. They never sent me proof of my signature from the original Creditor to release mine or my daughter 's medical information to a third party!!! 

I want the accounts to be deleted off of my credit reports immediately. I have already contacted the credit bureaus and informed them they are in violation of my medical privacy also! I am filing a complaint with all three credit bureaus again!! My next step is litigation!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
Despite a ten year history with both PayPal and XXXX  ( formerly the same company ). PayPal has arbitrarily decided to hold funds in my account that were sent to me by a repeat buyer for a repeat product with a continued 100 % seller feedback rating. PayPal is extremely discriminatory regarding their practices, and lacks transparency on why they are holding my funds hostage. Please investigate PayPal for this deceitful and damaging practice without merit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I received a 30 day late on this account in XXXX of 2020. I do not know why I received a late. I called and explained to them we were in COVID and I was waiting for unemployment to kick in. I explained that that I would pay the account off - which it now is. I still received the late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF VETERANS XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX   XXXX XXXX, US DEPT VETS Company Inquiries : XXXX  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 2020-06-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF VETERANS XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX   XXXX XXXX, US DEPT VETS Company Inquiries : XXXX  XXXX 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 2020-06-30 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: GA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: WY

Complaint narrative:
I was contacted by XXXX XXXX, a debt relief company. They promised to negotiate with Navy Federal Credit Union on my behalf for the amount i owed on 2 credit cards with them. XXXX XXXX   told me to stop making payments to Navy Federal and start making payments to them while they work on my case. XXXX XXXX  told me that in order for their program to work, my accounts with Navy Federal needed to go into collections. After the accounts went to collections, XXXX XXXX  could then negotiate a lower amount i owe and get out of debt sooner. I recieved a summons to appear in court from Navy Federal for serious deliquency. XXXX XXXX then told my they couldn't help me and I then had to hire a bankruptcy lawyer to negotiate my accounts with Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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:
I received a 30 day late on this account in XXXX of 2020. I do not know why I received a late. I called and explained to them we were in COVID and I was waiting for unemployment to kick in. I explained that that I would pay the account off - which it now is. I still received the late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I disputed several unauthorized inquires found on my Trans Union credit report. They received the dispute on XX/XX/20. I have not received any results at all. According to the Fair Credit Reporting Act, they have 30 days to complete the investigation. Today is XX/XX/20, which is well over the 30 limit. I request that they the delete all items disputed 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 2020-06-30 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: NV

Complaint narrative:
These are not my accounts.

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 2020-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one is going to be losing a decade long customer due to deceptive practices. They are unwilling to assist even during Coronavirus. 

I have a Savor Rewards card. When I signed up for this card, all of the documentation I read stated that I would have 0 % interest for 15 months .After 5 months of having the card, I discovered that I have been being charged hundreds of dollars in interest. Upon speaking with support, they told me I have a " Savor '' card and 0 % APR is only for " SavorOne ''. Savor One is the card I thought I was signing up for and the card I XXXX  the application form for. I would have never carried a high balance like this if I knew I would be being charged interest before the 15 month period was up. The cards are nearly identical and even have identical designs. 

Phone support refuses to move me to Savor One and transfer my balance to get me into the 0 % APR platform. Even though I have been a valued customer with no missed payments for over a decade and excellent credit, they refuse to budge. 

I am not asking for a lot here and am already really hurting because of the Coronavirus, but now I am literally going to be out THOUSANDS of dollars, due to interest charges that I never thought would be there. 

I don't want to close my accounts and transfer all of my balances out of here, but I am being left with no other option, For a company that says they are offering assistance during the Coronavirus, this is truly disgraceful. 

Looking for some compassion and understanding here. I am not getting it from phone support. 

Let me know what you can do. 

Thank you for your understanding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX   Company Inquiries : 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