vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-08 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: SC

Complaint narrative:
I XXXX XXXX am a victim of identity theft and fraud. XXXX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING XXXX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2021-02-08 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: SC

Complaint narrative:
I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 4TH ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2021-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by Synchrony Bank. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 
I was an oversight during pandemic The State was having problems making online payments, called and hold times were too long. 

Please consider the difficult situation for Covid-19 in addition to my first time I have a late payment. 


The account information is the following : Account Name : SYNCB/PPC Account Number : XXXX Opened Date : XX/XX/2018 Balance : {$350.00} My demand is based on many damages and all the violations that they have committed. 

I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP. 

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 non-monetary relief
Consumer complaint received 2021-02-08 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: SC

Complaint narrative:
I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 4TH ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2021-02-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
GM Financial contacted me by phone in XX/XX/2020 to collect a property tax payment on a lease that I had turned in, at one of their dealerships, but was not closed out properly by the dealership. When I leased a new car at the same dealership, I also updated my address to my new address. 

I never received any notification from GM Financial about the full-year tax bill on the car that I only had for one month of the calendar year, because they continued to send my mail to the old address, despite the fact that by the end of the XX/XX/2020, I had two new vehicle leases with GM Financial, and both used my current address. 

When I called in XXXX to provide GM Financial with the information, they said that if the closure documents were faxed to them by the dealership before the end of the month, the account would be put on hold until the abatement processed. 

After receiving another bill from GM Financial last month for the full amount, and a recorded call from GM Financial today XXXX, I called to inquire about the status of the account, and was told for the first time that the account had been allowed to age 60 days past due and that the overdue balance had been reported to credit agencies. 

They had not in any way informed me that they would continue to age the account and damage my credit. They had no, as the agent said for the first time today, informed me that I should pay the whole amount in advance and wait for the refund of the abatement. 

Had I been told up front that this was their policy, I would have paid the whole amount in advance and waited for the abatement. But instead they said they put the account on hold. On hold means that the account is not aging. 

This is a deceptive and harmful practice, and they need to better train their phone agents in their actual company policies and not mislead their loyal customers by telling them one thing and doing another.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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:
I received a notification on XX/XX/2021 from Experian via email that my account information had been updated, my email was changed. I was asked to email them at XXXX if the change was not initiated by me, which it was not. I have not received any response to this email. I have subsequently been notified by my financial institutions that my credit report has changed. 

Today I tried to reach Experian by phone ( XXXX ). There is no way to reach a human. By way of the automated system, I placed a security alert on my account. Unfortunately, the system states information will be sent to me via EMAIL. Again, the email information has been fraudulently changed. I am at a loss for how to communicate with the company. I have tried to reset user name and password on my Experian account, and again, everything goes to the FRAUDULENT EMAIL. I am unable to fix this without assistance.

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 2021-02-08 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: SC

Complaint narrative:
I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 4TH ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2021-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, I phoned Citibank about fraudulent withdrawals made from my account that totaled {$1000.00}. Someone ordered a bank card and had it mailed to an address that was not my address. Citibank mailed out the card with a pin number, they activated the card and was able to take the money out. Citibank sent an email stating that they will not reimburse me the funds that was stolen. I made several police reports, 1 for the unauthorized withdrawals and 1 for identity theft and 1 for the card being delivered to an address that was not mines. Citibank is accusing me of loaning my card out to someone. A card that was never in my possession!!! I have attached the proof where they mailed out two cards, one to my address after the money was stolen and the other where they mailed out the card to the address that's not mines and when they unlocked the card so that they could use it.

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 2021-02-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: LendKey Technologies, Inc.
State: VA

Complaint narrative:
LendKey services is negligent in their duty to handle private student loans. I don't have exact dates ; however, on 4 occasions -- once in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the website showed that I owed {$0.00} for my next bill due on the XXXX of every month. Come the XXXX of said month ( around that date ), I get a deliquient loan notice. The first time I thought it was my mistake, but it keeps happening. The company always takes off the late fee, but it messes with my time, finances and mental health to always have to call the company to advise them of their mistake. It's amazing that during a pandemic a company would willfully do this to its borrowers. I have been told many things from the company including that the website doesn't show accurate information ( how not?? ), that I should know what is due every month and shouldn't need an accurate minimum payment statement to keep my account current, and that minimum payment due balances disappear up to 48 hours before the due date ( why???? ). I'm tired of wasting time on this company. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX I got taken out from my prepaid card {$900.00} fraudulent. 
My money was taken out the same morning was deposited. 
Is been 40 days and I haven't received any news, I been calling bank of america and they first cancel my investigation and they re opened a couple days ago and I haven't been able to use my card since XXXX. I had money transfer to the account and I'm not able to use it. Every time I call is a different answer and they do not resolve the problem or don't give me an answer when would it be solve. I'm desperate and I need the money that was taken from my account and the money that is been transfer to my account.

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 2021-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Received a notice from Synchrony Bank in XXXX XXXX about an unpaid balance of {$280.00} that I never charged to my XXXX  gas card account. 
They stated the account was past due over 6 months and have sold the debt to XXXX XXXX XXXX XXXX in XXXX XXXX. 
I never charged the {$280.00} to my account. Also, until I received this notification letter, I never received any communications from Synchrony Bank that there was any balance due on my account at all. Nothing. No mail, calls, etc. I've lived at the same address for the last 30 years. 
I sent them a payment of {$35.00} in XX/XX/2020 for a balance due I owed of {$35.00} so I was paid up in full. I never used my XXXX  card again since then. 
I called their customer service number and was told my account was closed and sold off. 
They finally gave me a PO box address to send a complaint letter too. I have notified XXXX of a fraud alert and made an official report with my local sheriff 's dept. 
I am sending letters to both Synchrony Bank and XXXX XXXX XXXX of the situation and the obvious fraud. I had a perfect credit rating before this happened.

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 2021-02-08 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: CA

Complaint narrative:
I had some fraudulent activity on my credit report in which I reported to Equifax. Since everything is now accurate, I've requested that Equifax remove the fraud alert and they refuse to remove the fraud alert. I've requested them to remove the fraud alert on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again today, XX/XX/XXXX. I don't understand why they refuse to remove the fraud alert but I feel that after over 1 year of requesting them to remove it that they should now be obligated to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: MS

Complaint narrative:
On XX/XX/2021 I sent a debt validation letter to Pro-Collect. They sent back a document that did not verify the debt and they are refusing to remove the collection account from my credit reports. This company is not a licensed business in the state of Mississippi so according to the Mississippi laws, they are illegally operating. The debt has surpassed the Statute of Limitations. I have never signed any agreement with this company or any company granting permission to pro-collect to collect any money from me. I do not owe pro-collect XXXX nor do I owe it to the Original Creditor. In reading the original contract the original creditor stated that all money owed is to be paid to them and NOT A THIRD-PARTY NEITHER DOES IT SPECIFICALLY LIST PRO-COLLECT. I reported pro-collect to the Mississippi Attorney General for illegally operating a business without registering it nor paying the state of Mississippi taxes. I also reported this company to the XXXX XXXX XXXX. This company has 30 Days to remove from my credit report or I will file a lawsuit in XXXX XXXX MS XXXX XXXX XXXX by XX/XX/2021.

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 2021-02-08 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: U.S. BANCORP
State: IN

Complaint narrative:
I was forced into bankruptcy in 2017 due to my daughters serious medical condition. US bank refused to work with me on payment arrangements and kept stating they never received necessary paperwork that I submitted multiple times. I had to contact attorney and file chapter XXXX bankruptcy. I paid everything in less than two years. Now this past week I found out my credit bureaus were all frozen for almost one year. All three credit reporting agencies my report is blank as if someone erased all history. I have been paying my house on-time and or early since 2017. I filed for refinance and this is how I obtained my information was erased in writing from third party. I have contacted US Bank numerous times they will not return my calls nor answer my questions. Now my credit is so bad I was turned down for refinance on my house. No one at US Bank will discuss or address my issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meade & Associates, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I receive a notification on my XXXX  Credit report of an account with Meade & Associates for a debt I had no idea about. The debt was from a check written to XXXX XXXX for {$37.00} back in XXXX. I call Meade & Assc and asked them why they would just now report this after all these years without notifying me first. They were XXXX XXXX XXXX. They could not provide validation of the debt. They said all they have was a copy of the check. I explained that I was a victim of identity theft years ago the I had provided all the companies involved with the verification, that this happened to me with affidavits & letters of confirmation. I asked them to either provide me with proper validation or remove this from my credit report. They were XXXX XXXX XXXX XXXX XXXX has tons of complaints against this company for unfair trade practices, which is exactly what they did to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: NM

Complaint narrative:
On XX/XX/21 at Regional Finance I was approved for a loan even though I never filled out a application. The service was curbside and she brought the paperwork out to me. I asked about the amount, payments and was given vague answers. She not once explained the terms to me. She just continued to have me sign. I asked if she wanted to sit in my car so she could explain the terms to me. She said I cant do that. I know I should have insisted on a explanation of the terms. I trusted she would give me terms and payments I could afford. This was so rushed. She sent me home with the check no paperwork for me to look over. Then I get the payments in the mail XXXX monthly and this is for 3 years at 80.811 %. I can not afford these payments for 3 years. How she qualified me not sure. I do know that on the property she stated items that I do not own. I got this from the branch manager and I did tell her I do not have these items. Life insurance was added in which I did not want. I feel this representative did wrong by lying. Curbside for a loan. I have gone by and others are allowed to go in and sit down to have the terms explained. I also feel I was targeted. The branch manager said I have good credit. Then why was I given this interest rate and 3 years in payments. Something is not right in the way this representative gave me this loan. I was not given any paperwork to take home with me so I could review. I believe this was done intentionally. I should have insisted on having the loan explained to me in detail. I trusted she would do right by me. I was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Back on XX/XX/XXXX. I ask about being put in a payment plan. Was told my monthly payment would only be {$270.00} a month. I double with the agent on the phone if that amount applies for all three of my loans. My loans are 1-09 XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. On XX/XX/XXXX I check my bank account didnt see no payment come out so I waited until XXXX, XXXX to call and in check to see why my payment wasnt taking out. Ended up making a payment over the phone. About two weeks go by and I received a call saying I havent made a payment. This guy was very aggressive and practically forcing me to make a payment. So I hung up and call to speak to someone else. The other agent and supervisor came on the phone the told my payment was applied wrong and my account is fine. Another two weeks go by and I received a call saying my payment as been reapplied to the correct loan but I still owe a payment of {$270.00}. So they began to explain to me that my third loan ( XXXX XXXX XXXXXXXX ) wasnt being paid and I was past due since XX/XX/XXXX to now. So totaling over {$570.00} dollars. So I told the agent I would check my account and call back to set up a payment. Spoke to an agent on XX/XX/XXXX and set up a payment for the third loan XXXX. Ask the agent if I would receive an late payment on my credit report. The agent told me no since I set up the payment and also remove the late fees plus place me in a disaster forbearance program to help bring my account back up to current since I was going through so much confusion. Well I get an email XX/XX/XXXX stating my loan XXXX posted past due on my credit report and now Im minus 77 points. I dont understand how this is my fault when I been give misguided information for the past two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: CA

Complaint narrative:
I have spoke with several different Equifax employees on XX/XX/XXXX, XXXX for two hours each time on the phone regarding why is my credit score not showing a credit score and no update since XX/XX/XXXX. Then on XX/XX/XXXX I receive a email from Equifax stating that I can review my credit report and score. I contact the lender to see if I was able to be pre-approve. The lender sent me a email saying he has never seen this before there is nothing showing up. But the other two creditors are reporting my scores. So I called back again and was on hold for 30min to see if the problem can be fixed. The representative stated that its nothing he can do and hung up in my face. Equifax is holding me up from getting my pre-approval and I missed out on several home that I no I could have qualify for

Company response to consumer: Closed with explanation