vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-20 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: FL

Complaint narrative:
On XX/XX/XXXX or XXXX th I received an email from XXXX XXXX that there was a hard inquiry on my report. It was XXXX. Since I did not contact the company to order their service I put off disputing the inquiry with Equifax till the weekend. The next night I receive a large box addressed to my maiden name I havent used in 18 years. It contained XXXX equipment. I immediately contacted XXXX and for the next two days was bounced between customer service reps, their supervisors and fraud. No one helped me at all or directed me how to fix the problem. By that Saturday morning I realized not only did I have equipment I didnt want but I also had a account with {$120.00} of charges this person signed me up for for two years. With absolutely no assistance from XXXX I notified XXXX so at least there could be a paper trail of  this. I filed a report last night online with identity theft.org ref # XXXX. I also put a freeze on Equifax running my credit. I will have to dispute the hard inquiry on Equifax as well. I am working 2 jobs so finding time to do all of this is hard yet important.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: MA

Complaint narrative:
There is a new incorrect information in the credit report!!!!! and the remaining XXXX account is still not me!!!!! and there is 8+ hard inquiries doesn't belong to me. See previous dispute confirmation number : XXXX, XXXX for credit dispute. I tried disputing and submitted information online. They removed some incorrect records but there are still other 's account in my records. A couple days ago they still add another one 's hard inquiry to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I opened a Bank Account with HSBC on XX/XX/2019 with {$10000.00} ending in XXXX. 

The had a promotion that keep {$10000.00} in account for 90 days and receive {$350.00} Bonus. now it has been 126 days since I opened the account and still haven't got {$350.00} bonus in the Account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-20 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: OH

Complaint narrative:
To whom it may concern, I have sent several complaints this is my 3rd time REQUESTING, the unverified accounts listed below still on my credit report in violation of FCRA Federal Law. The FCRA required a copy of the original creditors documentation on record/file for me to verify the alleged accounts are mine and that it is accurate.

I dont have any records of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( my we ink signature paperwork ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 
1.XXXX XXXX XXXX XXXX , 2. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: OH

Complaint narrative:
To whom it may concern, I have sent several complaints this is my 3rd time REQUESTING, the unverified accounts listed below still on my credit report in violation of FCRA Federal Law. The FCRA required a copy of the original creditors documentation on record/file for me to verify the alleged accounts are mine and that it is accurate.

I dont have any records of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( my we ink signature paperwork ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.

1.XXXX XXXX XXXX XXXX , 2. 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 non-monetary relief
Consumer complaint received 2019-06-20 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: OH

Complaint narrative:
Transunion credit reporting agency removed my mortgage history from my credit report my mortgage company stated they reported my payment history I need Transunion to put my payment history back on my report

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 2019-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
In XXXX of XXXX I made arrangements with Synchrony Bank to settle a credit card debt on my Sam 's Club credit card. The amount that was agreed upon was {$6300.00}. The terms of the agreement as I was told was that I had one year to pay that amount or it would go into default. At no time was I told to make a payment every month, only to pay it off within one year. I asked for the terms to be emailed or mailed to me in a letter and their representative said they don't do that. He said that I would only get a letter from them when the settlement was paid in full. I made my first payment on XX/XX/XXXX for {$2500.00}. I made another payment on XX/XX/XXXX for {$3000.00}. I called on XX/XX/XXXX to make the final payment of {$890.00} and was told that the account was in default and they could not accept my payment because I did not make a payment every month. I asked them why it went into default after I made the payment in XX/XX/XXXX instead of sooner when I hadn't made a payment for almost 7 months after the first payment. They would not tell me. They just said I didn't comply with the terms. At no time did I receive anything in writing stating I was in default from Synchrony or the terms of my settlement agreement even though I had asked for it. I don't believe I am in the wrong here due to their refusal to send me anything in writing. I am fully prepared to pay them the agreed upon balance of {$890.00} but not the {$7000.00} they say I must pay. They have extremely deceitful practices when it comes to consumers as I spoke to someone else who ran into problems with this company. I hope that you can contact these people and find out why their practices do not include anything in writing.

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 2019-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I switched company from XXXX XXXX to XXXX. XXXX was suppose to take care of the cancellation fees while I covered the past due balance on the account and return their equipments. Which I did. But a collections was still placed on my account. I was called by credit resource management and I told them I needed the last month bill so that XXXX could take care of the rest of the bill. They kept saying they sent it out but I never received it so I was unable to give the bill to XXXX. I ended up paying the rest of the bill and somehow they still sent the bill to my credit score even though I paid. I never once received a mail about it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
XXXX XXXX got a charge on my account for an account that is not mine. Its charged me {$380.00}. This is an fraudulent account and I have no idea who opened this account in my name. I did not approve or authorize myself to an with XXXX XXXX. I have no idea what is this. I looked it up and its cable. I never had a cable account in my name or got cable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Leap Credit, LLC
State: MS

Complaint narrative:
I applied for a loan online on XX/XX/XXXX and received an email stating that my application was approved on XX/XX/XXXX. The email stated I had 3 days from the date of this " confirmation email '' to cancel the loan by calling their customer service toll free number. I tried to call numerous times throughout the day to cancel the loan on the day I received the confirmation email, XX/XX/XXXX. No human ever answered at their customer service number. Instead, I was asked to leave a voice mail. I left a voice mail and recorded the call on my end stating that I wanted the loan cancelled and to not under any circumstances deposit funds into my bank account. No one ever called me back. I emailed customer service demanding that they cancel the loan and expressed my frustration that no one answers their " customer service '' line. I eventually got an email response saying that the loan first had to be deposited into my account before the loan could be cancelled and that it could take 2 business days for the funds to show up in my account. I replied to that email stating that I emphatically did not want any funds deposited into my account and to cancel the loan. At that point, there was no further communication. I am filing this complaint here, have filed a complaint with the XXXX and have filed a complaint with the MS attorney general 's office. I am fully aware that Leap Credit is a predatory lender but to not be able to cancel the loan as advertised, hassle free, and avoiding any charges, interests or fees is totally unacceptable and illegal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: DC

Complaint narrative:
Fedloan Servicing has under-counted my qualified payments for the Public Service Loan Forgiveness program. The company says that it reviewed my account and added two more months of qualified payments. However, I am missing 8 -10 months of payments. I filed a complaint with this office before but the office only reported back what Fedloan Servicing said. I hope this office does more than simply report back on what Fedloan Servicing says.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: CITIBANK, N.A.
State: CO

Complaint narrative:
CITI CREDIT CARD They closed my account had over XXXX in points with the account paid all my balance on time dont even know why they did that tired calling them no answer they citi representative said send you a letter never did in the first place they jest closed my credit card 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 2019-06-20 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: IL

Complaint narrative:
On XX/XX/XXXX. XXXX I sent a certified letter to XXXX and to XXXX XXXX XXXX I informing them to delete this fraudulent account from my credit profile. I have not made any payments to XXXX XXXX XXXX. 

XXXX XXXX XXXX reported receive of payment on XX/XX/XXXX in the amount {$100.00} and on XX/XX/XXXX in the amount of {$250.00}, and a balance {$3200.00}. 

XXXX XXXX XXXX is reporting to the Credit Bureaus with a new balance, late payment and past due amount every month, and also reporting as a charge off every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: NY

Complaint narrative:
Back in XXXX of XXXX I was robbed gunpoint and my wallet was stolen from me containing my State ID, social security card and bank/credit cards. A police report was filed and I called Experian to let them know I needed to freeze my account. The gentleman I spoke to informed that he did so and it was all taken care of. Fast forward to now XX/XX/XXXX, Ive noticed my credit report is bombarded with inquiries that I never authorized. Evident that the people who stole my personal information are trying to obtain credit under my name. Ive reached out to the company by phone to no prevail, and even through certified mail with return receipt so I know they got my complaints.As require by FCRA any information reported as fraudulent should be removed from the consumer credit file, please remove any other address, other than my current to prevent others to use my name. I'm reporting this as an effort to clear my name. This has hurt my credit score substantially and Experian refuses to resolve this 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 2019-06-20 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received an email stating my Equifax Report decline 14 points. I contacted Equifax and inquire why my report decline. I received one of the representatives from the XXXX, who stated there are several reasons a score would drop and she or no one else will be able to inform me why. 
Today XX/XX/XXXX I pulled my credit report from Equifax and notice my credit score decrease 17 points. I contacted Equifax and got informed again there were several reasons my credit could decrease and no one could tell me the real reason. 
I informed Equifax I have not applied for credit nor had anything new added to my report. Im requesting assistance from CFPB in reference to why my Credit Report Score decrease on XX/XX/XXXX points and XX/XX/XXXX points XXXX. I pay for a Credit Monitoring Service through Equifax as well as a couple other Monitoring Services. I asked the monitoring services why my score decreased for Equifax. They could not inform me but did state, I need to contact CFPB for more information. 
Sir/madam, I have not applied for any credit and nothing been added to my report. Please assist me why Equifax keep lowering my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: NY

Complaint narrative:
I am still being hit with a hard inquiry from XXXX XXXX from XX/XX/2017 on Equifax and XXXX. XXXX had agreed to remove this as this was fraud. I never applied for anything from that and I am unaware why this is still on there. 

I am hoping this hard pull comes off as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: NY

Complaint narrative:
I am still being hit with a hard inquiry from XXXX XXXX  from XX/XX/2017 on XXXX   and Experian. XXXX had agreed to remove this as this was fraud. I never applied for anything from that and I am unaware why this is still on there. 

I am hoping this hard pull comes off as promised.

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 2019-06-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX. XXXX I sent a certified letter to EXPERIAN and to XXXX XXXX XXXX I informing them to delete this fraudulent account from my credit profile. I have not made any payments to XXXX XXXX XXXX. 

XXXX XXXX XXXX reported receive of payment on XX/XX/XXXX in the amount {$100.00} and on XX/XX/XXXX in the amount of {$250.00}, and a balance {$3200.00}. 

XXXX XXXX XXXX is reporting to the Credit Bureaus with a new balance, late payment and past due amount every month, and also reporting as a charge off every month.

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 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have written transunion and XXXX   several times regarding my credit report ( XX/XX/2019 ). I have requested that the following credit reporting agencies remove incorrect information and accounts showing on my credit report. I I have requested that the following accounts be removed immediately due to the information being incorrect and does not belong to me. I have also requested that the agencies provide me with their method of verification and proof of contracts from the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( {$590.00} ), XXXX XXXX XXXX ( {$3800.00} ), XXXX XXXX ( {$280.00} ) and XXXX XXXX XXXX ( {$680.00} ). Transunion and XXXX has failed to provide me with proof of contract and has not removed the following accounts on my credit report.

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 2019-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Two my initial complaints to CFPB received two misleading responds to obstruct justice. I am so angry that it is difficult for me to write. Paypal lies boldly and hope that they can be treated above the law and get away with their unfair practices. PayPal continue to keep my money imprisoned and do not allow family and friends option to move money from my account for free. They want 2,9 % to get from me. I never bought anything and never sold anything through PayPal. I just was sending money to family and friends and PayPal try to block MY MONEY. Isn't illegal financial abuse and crime to keep somebody's money for free on hold, blocked from the owner of the money? This message I sent them again and PayPal never answer my concerns. They act like career criminals. I demand sanctions against PayPal. Here is my message to them : I am sorry, I have no trust to PayPal anymore at all. I prefer to have conversation in writing and have on record what power abuse you practicing over my account. 

1. You refused to send money for free through family and friends option.

2. Now you refused to deposit money on my account through family and friends option for free..

3. You refused to send me PayPal debit cash card.

4. You gave me PayPal credit cash back card and after I used it once and pad right away the balance you did not like it and was blocking my attempts to use PayPal credit card anymore.

5. You submitted misleading statements to CFPB to obstruct justice and fair investigation. 

Your power abuse is outrageous and you demonstrate criminal behavior, because it is a crime to imprison somebody else 's money. I will demand for sanctions against PayPal for unfair practices. I am not going to thank you for imprisoning MY MONEY. I am supplying the copy of that message to CFPB.

Company response to consumer: Closed with explanation