vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-27 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: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
On or about XX/XX/18 an inquiry showed up on my credit reports from GM Financial that does not belong to me. I have never applied to any place by this name. I never heard of them. I did not authroize anyone from here to pull my credit. This is NOT mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
In XXXX of XXXX I was the victim of identity theft. I immediate requested a fraud alert from all three credit bureaus. Subsequent to this event, I changed my phone number. In XXXX, I tried very unsuccessfully to have the credit bureaus update my telephone number on the fraud alert. I submitted requested documentation but was unsuccessful in getting the phone number updated. 

On XX/XX/XXXX, anticipating a new car loan application, I once again called all three bureaus asking that the fraud alert be lifted. XXXX required me to send in documentation of my identity as well as proof of my new address. I sent the letter and documentation to them on XX/XX/XXXX. I received written notification from XXXX on XX/XX/XXXX that they had placed an extended fraud alert on my account, an action I did not request. 

XXXX and TransUnion indicated to me on XX/XX/XXXX in a telephone conversation that the fraud alert would be lifted within 24 hours. Subsequent to that time, I have been denied a credit card twice and today my car loan was denied because of the fraud alert ( my credit score is in in the high 700 's to low 800 's ). The car loan lender asked me to remedy the credit bureau situation before we can move forward. I have tried and have gotten no where. I am requesting assistance to have the fraud alert removed from my account immediately at all three credit bureaus. 

Fraud alerts are great, except when the individual who requested them is denied credit solely on the basis of inaccurate information in the credit bureau 's database.

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 2019-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
In XXXX of XXXX I was the victim of identity theft. I immediate requested a fraud alert from all three credit bureaus. Subsequent to this event, I changed my phone number. In XXXX, I tried very unsuccessfully to have the credit bureaus update my telephone number on the fraud alert. I submitted requested documentation but was unsuccessful in getting the phone number updated. 

On XX/XX/XXXX, anticipating a new car loan application, I once again called all three bureaus asking that the fraud alert be lifted. XXXX required me to send in documentation of my identity as well as proof of my new address. I sent the letter and documentation to them on XX/XX/XXXX. I received written notification from XXXX on XX/XX/XXXX that they had placed an extended fraud alert on my account, an action I did not request. 

Equifax and XXXX indicated to me on XX/XX/XXXX in a telephone conversation that the fraud alert would be lifted within 24 hours. Subsequent to that time, I have been denied a credit card twice and today my car loan was denied because of the fraud alert ( my credit score is in in the high 700 's to low 800 's ). The car loan lender asked me to remedy the credit bureau situation before we can move forward. I have tried and have gotten no where. I am requesting assistance to have the fraud alert removed from my account immediately at all three credit bureaus. 

Fraud alerts are great, except when the individual who requested them is denied credit solely on the basis of inaccurate information in the credit bureau 's database.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX, Professional Credit Service / aka XXXX XXXX XXXX.and/or attorney XXXX XXXX garnished 100 % of available funds ( {$2200.00} ) from my personal checking account for collection on a judgement issued in XX/XX/XXXX for medical debt. I was in transition from one job to another, the funds in the account are all directly traceable to EXEMPT income per ORS 16.618. First in line for garnishment is the DOJ, who administers spousal/child support payments through employment garnishment. Because of the job change, only one employer took a portion of that support payment, meaning I was responsible for the balance, in order to remain current on this obligation. PCS took 100 % of available funds from a personal checking account, when a higher level garnishment order is in place. PCS failed to validate the source of the income taken. PCS did not use the legal State calculator to determine amounts available ( percentage of disposable income ) to secure this garnishment. PCS took my saved Child Support and is now directly responsible for my arrears with the DOJ ( and my children ). This is unconscionable, and illegal per several Oregon regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On or about XX/XX/2018 an i quiry showed up on my credit reports from SYNBC/TJXCO Dual card. I have no idea who or what this is. I have never applied with them and I have never authorized any credit inquiries from them.

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 2019-05-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
on XX/XX/2019 I called and made a payment of {$100.00} towards one of my promotion purchase of {$170.00}. The payment was divided towards other purchases that will expire after this purchase. On XX/XX/2019 I call service to speak with a supervisor and XXXX the customer service agent hung up on me when I call back I spoken to a gentleman by the name of XXXX, he stated that there's no supervisor around

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 2019-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: AP

Complaint narrative:
This happen with the company PayPal. On XX/XX/2019 I had an incident when I transfer {$2500.00} to a person Im buying a car from and the person gave me the wrong email address. I called PayPal customer service help desk and they were super helpful in helping me and refunding me. The issue now begins after the refund. Before I can do my refunded and reverse the transaction I was told I need to verify my account which I did over the phone with my social security number. After that everything was good until the next day XX/XX/XXXX. I tried to send my friend money so she can send me something from the states ( Im military station overseas ) but my account was declining it. Come to find out my account was limited and I was banned from Paypal. I again contacted PayPal customer support number and they can only give me the basics without going into my account. I have email 98 people with the@paypal.com address book and I have also submitted a claim with the XXXX but they have no reply back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management has sent me four collections letters ( Three threatening ) to collect on a debt from XXXX XXXX  XXXX. 
On XX/XX/2019 I sent them a letter requesting validation of the debt. I requested breakdown of all charges, dates of purchase and items purchased including any and all fees or charges included. I sent another letter on XX/XX/XXXX that was sent certified Mail requesting the same information. 
Prior to sending these two letters I received a " pre-legal '' notification letter stating they were considering forwarding my account to an attorney for possible litigation. 
On XX/XX/XXXX I sent a settlement offer, not admitting to the debt, but to close the account including a check for the amount offered. The check was not cashed. On XX/XX/XXXX I received another threatening letter stating they were going to forward my account to an attorney for a lawsuit. 
On XX/XX/XXXX I sent another letter stating they were in violation of the FDCPA and asking again for validation of debt and breakdown of all charges, dates of purchase and items purchased including any and all fees or charges included. 
On XX/XX/XXXX I sent one more follow up letter that was exactly the same as the one from XX/XX/XXXX. 
On XX/XX/XXXX I also received another letter for notice of possible attorney review. 
I have yet to receive any proof of this debt after 3 requests and a settlement offer. I am asking you to step in as they are now in violation of the FDCPA. I have kept track of every communication with them and all they keep sending me are threatening letters, no validation of this said debt. I have yet to receive any proof or details in regards to this debt as requested by me 3 times in a 60 day period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-27 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I had a Bloomingdales credit card which I paid in full with Citi Internal Recovery unit in XX/XX/2017, for {$1400.00} with XXXX # XXXX and payment confirmation for the transaction of # XXXX. However this account is steadily being reported to XXXX XXXX  as 90+ days late since XX/XX/2017. I have attached a copy of the account report from XXXX  that clearly details this account has been reported 27 times as 90+ days late, when there has been no balance owed since XX/XX/2017. I have repeatedly called Citi Internal Recovery Unit to report this account correctly as having been paid off completely, but to no avail.

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 2019-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
loan number XXXX loan me nc XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX I borrowed {$5100.00} on XX/XX/2015, the dollar amount for financing was {$36000.00}. I have paid back {$16000.00} and I still owe {$2700.00}. I am asking for the bill to be paid in full because the interest has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Altisource Portfolio Solutions, S.à r.l.
State: FL

Complaint narrative:
I have received ONE letter of communication from XXXX XXXX dated XX/XX/2019. On XX/XX/XXXX I sent a letter to XXXX XXXX requesting validation of debt including breakdown of all charges, dates of purchase and items purchased including any and all fees or charges included. I waited 30 days and I received nothing. 
On XX/XX/XXXX I sent a follow up letter reminding them they were in violation of the FDCPA by not responding within 30 days and requested the information again. 
As of today I have not received validation of debt as requested.

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 2019-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FORD MOTOR CREDIT CO.
State: WA

Complaint narrative:
FMC-OMAHA SERVICE CT This showed up on my credit report this month with a balance of {$5900.00}. This account was charged off in XX/XX/2012. It is showing this as a new balance not current on my credit report. I called in to Ford Motor Credit and they can not find an account with my name. How does the company not have an account with my name on it but I get hit on my credit report for missing a payment on a debt that was charged off over 7 years ago? This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
Received letter stating I owe {$75.00} dollars to XXXX XXXX Hospital in XXXX XXXX, Ca. 
Date is showing XX/XX/2016 This is a first for me. This account is now assigned to U.S Asset Management by Eos CCA. all ownership rights have been sold.Wi I need some proof. I have proof for this date they are claiming. 
I do not need this type of stress for {$75.00} dollars. 
I am on Social Security also recovering from XXXX XXXX XXXX. 
I do not need this company ruining my credit or making numberous calls. 
The letter I am enclosing does not state the legal saying Attempt to collect a debt etc. Is this a violation of my rights under the policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: LA

Complaint narrative:
I have no knowledge of the following account XXXX XXXX. Please investigate to ensure there is no fraudulent activity.

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 2019-05-27 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: LA

Complaint narrative:
I have no knowledge of the following account XXXX XXXX. Please investigate to ensure there is no fraudulent activity.

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 2019-05-27 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: LA

Complaint narrative:
I have no knowledge of the following account XXXX XXXX. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-27 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: TX

Complaint narrative:
Company will not respond to any correspondence regarding old account reported on my credit report. Account was a charge off and is being reported incorrectly. Company ignores all requests for proof the debt is real that I send.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: TX

Complaint narrative:
Company will not respond to any correspondence regarding old account reported on my credit report. Account was a charge off and is being reported incorrectly. Company ignores all requests for proof the debt is real that I send.

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 2019-05-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
ItriedfilingadisputewithCapitalOneonlineonafewdifferentoccasionswithnosuccess.Ithentriedcallingintohaveacustomerservicerepresentativedoitforme.However,afterextremelylongholdtimesIwastransferredaroundbetweenonepersontoanotherandfromonedepartmenttoanotherwithnoonethatwashelpingme.TheendwasthatIwastransferredtoavoicemailwhereIleftamessageforsomeonetocallmeback,asofnow4weekslaternoonecalledmeback.Finally,Iwasabletogetthroughtoarepresentativetofileadisputeonatleastoneofmyclaims,unfortunately,therewasnothingfurtherdoneonmyclaim.Ihavealreadywrittentothemaboutthismatterbuttheyarenotrespondingandaretotallydiscriminatingagainstme.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-27 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: LA

Complaint narrative:
I have not missed any payments on this account. Please investigate to ensure the information reported is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2018 I discovered a new account in collection from XXXX XXXX had been re-inserted into my credit file. Transunion are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. Ive already sent This complain and picture of reinsertion attached, but Transunion saying they dont have any on their record. Seems like false information and they just dont want to follow the rules.

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 2019-05-27 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: LA

Complaint narrative:
I have no knowledge of the following the account XXXX. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-27 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: LA

Complaint narrative:
I have no knowledge of the following account XXXX XXXX XXXX. Please  investigate and ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: CA

Complaint narrative:
There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me..XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation