vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
NOTICE OF INCORRECT INFORMATION FAILURE TO DISCLOSE BUTTON AUTOMATICALLY CHECKED ON CREDIT APP AS STATED BY EMPLOYEES i, XXXX XXXX XXXX have been mistakenly charged for a credit card with synchrony bank whereas i gave no consent for all phone calls are and have been recorded by both parties. They have illegally reported that i was over my credit limit? for some reason without disclosing why. So when i did the research it came up that they have failed to disclose the charges of {$75.00} per month in fees for some card security attached to Syncrony Bank. 
The debt is being disputed and must be proven within the next 30 days. Verified and validated. 
FACTS WITH EVIDENCE : a. ] several hits to my credit report all three XXXX   XXXX and XXXX alleging that i signed up for this {$75.00} per month when i did not ever give consent. 
b. ] no proof of the debt alleged when disputed c. ] When the debt was disputed your clients continues harassing my credit reports sending me documents alleging i gave consent without ever providing a signature Damages ; cost XXXX XXXX XXXX to miss out on gaining solar with XXXX XXXX damage credit report legal and administration fees {$5000.00} so far i was only credited back {$1200.00} but that only covers one year they would owe me two years in the amount of {$1200.00} for XXXX. 

CERTIFICATE OF SERVICE PROOF OF SERVICE I hereby certify that on XX/XX/2018, the Defendants and their attorneys where served via USPS mail with Certificate of Service or certified mail as well form USPS XXXX. Signed by personnel. 

Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX # XXXX Phone : ( XXXX ) XXXX XXXX XXXX Nevada XXXX XXXX CERTIFICATE OF SERVICE PROOF OF SERVICE I hereby certify that on XX/XX/2018, I mailed a copy via USPS and electronically transmitted the attached document to the Clerks Office using the XXXX XXXX for filing and transmittal of a Notice of Electronic Filing to the following XXXX registrants : After it has been received and thereafter emailed thereto all Defendants herein this matter. Real Party ( s ) In Interest would prefer a quick resolution. 

This documents was delivered thereto the USPS office located on XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX by XXXX XXXX on XX/XX/2018.

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 2018-10-13 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: GA

Complaint narrative:
On XX/XX/2017 XXXX XXXX XXXX  via XXXX XXXX requested my information from all three credit bureaus. Once I disputed the inquiry only two credit bureaus deleted the inquiry from my credit except TransUnion Credit Bureau. I have submitted multiple letters along with my identification to verify my identity with no avail. Although I have a fraud alert on my credit file with all three bureaus, TransUnion will not comply with my right as a consumer according to the Fair Credit Reporting Act and fraud victim rights under the Fair and Accurate Credit Transactions. I have followed all of the steps outlined by FACT of watching for the signs and acting quickly by contacting the credit bureaus to dispute fraudulent information.

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 2018-10-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GreenSky, LLC
State: NY

Complaint narrative:
XX/XX/2018 I received a letter from ( XXXX XXXX XXXX ( " XXXX '' ) on dated XX/XX/2018, and their position on the matter. I didn't know I had until XX/XX/XXXX, to respond. 
I am just responding to these Statements. ( period ending XX/XX/2018 and period ending XX/XX/2018 ). 
A representative name Ms XXXX, ( XXXX ext. XXXX ) on XX/XX/2018. Said she would investigate the matter and get back to me. I haven't heard anything from her since then.

All I want to know did you grant me the {$3000.00}. or something close to it? 
Thank you, XXXX 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 2018-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NJ

Complaint narrative:
I sent a registered letter on about XX/XX/2018 to the company, to validate the debt and send me a copy of the validation of the debt with the company which they did not do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I recently checked my credit score on XXXX XXXX. I noticed my score decreased even though I haven't applied for any loans credits cards ect. The website advised me I currently had a hard inquiry in my file. When I checked to see what it was for this came up Institution Information XXXX/XXXX   XXXX, FL XXXX. I tried to call the number to speak with anyone about this but no answers. I wanted to make sure my information hasn't been stolen. Agian I have not applied for any loan credit cards or anything like that so not sure what this is. Please contact me when you can my email is 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 2018-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Berlin-Wheeler, Inc. (Kansas)
State: LA

Complaint narrative:
I moved and closed account with XXXX XXXX in XX/XX/2016. I understood all equipment was returned but apparently was not. I was not contacted by mail and company said they tried to contact me on old phone number and cell number ( voicemail was not left ). No mail notice was provide of outstanding debt, mail was forwarded to new address. XXXX XXXX put into collections with Berlin Wheeler in XX/XX/2016. I was contacted by them in XX/XX/2016 and immediately paid the debt. I am filing a formal complaint because I do not believe adequate notice or time was provided to allow for payment of unknown debt.

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 2018-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I asked them over and over again to stop harassing me ... .I don't owe anything!!! This is not my account or debt. And this making my life a living XXXX. It's very stressful for me and my family. The amount is {$1300.00} that's reflected on my credit report. I've received at least 8 calls per day. I'm at a point where I will be changing my number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Local Data Recovery, LLC
State: GA

Complaint narrative:
I was contacted by phone on XX/XX/XXXX XXXX XXXX regarding an alleged debt from this debt collector ( LD ) Local Data Recovery LLC. XXXX XXXX XXXX XXXX, GA XXXX. I was unable to answer the phone and they left a message about an alleged debt. I contacted the company and advised the person on the phone that the conversation is being recorded and then asked that they provide something in writing what they were calling about. I asked the person on the phone XXXX XXXX to email me a copy of the letter, however I was transferred and told I would not be sent a letter regarding this debt. On this date they mentioned filing a lawsuit and garnishment of wages although nothing was provided to me. 
I was left another voicemail on Friday XX/XX/XXXX at XXXX XXXX stating they left me several messages and i failed to respond ( which is a lie ) and my file would be forwarded requesting judgement against me. I called the company back on XX/XX/XXXX at XXXX XXXX. and was placed on hold for several minutes. I hung up and called the company back at XXXX and again advised the call is being recorded with the person that answered XXXX XXXX. I again requested a letter sent to me by email regarding what they were calling me about. I again provided an email address for her to send me a copy of a letter regarding what they were calling about. I did advise the company that I am a victim of identity theft and I was requesting a letter or something on paper showing what they are calling me about. I also asked her several times for the company 's mailing address which she refused to provide. First she said they have addresses in different counties then when I asked again she just kept asking me about settling this alleged debt. I continued to ask for an address and at this point I was placed on hold. I indicated a voice time stamp of the call while i was " on hold '' that was being recorded and immediately a gentleman picked up the phone and said something to the effect of they were listening. It seems this company like to play games. I asked him for a copy of a letter regarding what they were calling about. He claimed that this debt has been going on for years but yet again refused to send me a letter. His response again was that they are not saying anything and I would be sued. There are multiple complaints found on the internet regarding this company 's collection practices. No proof has been made available to me so therefore these collection efforts need to stop. This company should be fined or shut down for its illegal debt collection practices. I have all these phone calls recorded, FYI.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-13 00:00:00
Product: Credit card or prepaid card — Store credit 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: Army and Air Force Exchange Service
State: VA

Complaint narrative:
A few months after receiving the XXXX XXXX XXXX, I ended up going underway for a few months. I forgot all about this card but when I remembered I had this card, I called the number for the XXXX XXXX XXXX. They told me dont worry we dont report this on your credit report. Im like thank XXXX. Then one day I checked my credit score and I have numerous of late payments on my XXXX XXXX. I was told that they wouldnt report it and now the late payments are the only thing stopping me from being able to buy a house. They wont work with you to remove the late payments. Im a single mother in the military trying to buy a house and everyone always looks at my late payments for the XXXX XXXX because I dont have much on my credit report. Ive called numerous amounts of times to see if theres anything I could do in order for them to remove the late payments but they wont do anything or help anyone. They dont care about us.

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 2018-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Uber Technologies Inc.
State: IN

Complaint narrative:
I had a background check did by XXXX ( they used XXXX ). In the repoert summary information, they did county searches that were clear, but there are three counties listed that I have not had any association with, one in an actual state that I have never even been to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MIDCOUNTRY FINANCIAL CORP
State: VA

Complaint narrative:
This account was charged off as a negative item. I kept receiving updates that they were still reporting late payments and still adding interest after it was closed. I went from owing XXXX something dollars to XXXX something dollars. I called to try to pay the settlement but they were still trying to charge me XXXX something dollars. I was hoping theyd stop reporting late payments its just making my credit score drop even more and its making it harder for me to buy a house, or get another credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
The added late payments to my account and I submitted all the papers needed. They told me to dispute it online and I did. I just want the late payments taking off my account. Ive never had any before. And its effecting me buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Proximately 2 years ago I was applying for a veteran eligibility guaranteed loan of over {$130000.00}, and already had a nice property checked out that would furnish me with a place to live and more important a place to start a new business because my XXXX won't let me continue to work in My Chosen field of XXXX. The loan was well underway and due to wrong and fraudulent information and my identity information hacked from the files of reporting agency. Apparently 90 % of the files they had on people were broke into and their information stolen. This cause is all kind of bad reports, loans in my name that were issued to someone else, defaulting credit cards that were issued to someone else in my name, my credit score dropping over a hundred points from good to poor status ruining any chance I had to get back on my feet. My stolen identity fraudulent reports by the credit bureau and no one willing to give me a much needed loan to buy a house caused me to become homeless and struggling for the last 2 years.

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 2018-10-13 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: ID Analytics, Inc.
State: CA

Complaint narrative:
Please consider this note an official complaint against XXXX , XXXX, due to their lack of transparency and the barriers they raise for customers, like me, who want to get a copy of their credit report, opt out of unsolicited offers, or place a security freeze. 

I hadn't heard about XXXX until today. I applied for a car loan approximately two weeks ago using company makes competition between multiple lenders possible. My credit scores with the 3 main credit reporting companies - XXXX, XXXX, and XXXX - has been between XXXX for the past 3 years or so. So I was surprised to receive a letter today, XX/XX/2018, indicating I was denied credit by one of the competing companies, XXXX, because of a score from a company I had never heard of, XXXX , XXXX. 

My issue is not the score itself, but the lack of transparency and barriers to getting basic information to fix an manage my credit. Upon receiving the letter, I looked up their website and attempted to obtain my credit report ( so I could assess if it was accurate ), place a security freeze ( due to the XXXX  security breach ), and opt out of unsolicited offers. 

While all other credit reporting companies allow consumers to do this online, XXXX, does not. Instead, they required a signed letter with my photo ID, social security number, and a host of other details. I only disclose my social security number in writing once a year, when I pay my taxes. Otherwise, I avoid providing my social security number in writing to anyone, especially to companies I never engaged with or solicited services from. The request for someone to provide information in writing, especially personally identifiable information is an extreme deterrent. It certainly was and is a deterrent for me. Any randomized control trial will demonstrate that. I'm certain XXXX will claim I did not attempt to resolve my dispute with them first. But what XXXX has done is place an unreasonable burden on consumers in order to deter legitimate complaints and disputes. 

Moreover, the XXXX practice of requesting a photo ID, social security number, and a written, signed letter for to access what they recorded about me is absolutely backwards. XXXX does not have a right my data. I do. XXXX does not have the right to place the burden proof on me. XXXX does not have my permission to collect my information, much less disseminate it for advertising. XXXX does not have the right to burden me with fixing my credit. And XXXX does not have the right to make it burdensome for consumers to access the information they collected, or make it difficult to place security freezes. They never asked for nor did they receive my permission 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 2018-10-13 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:
They have identity on all 3 of my credit report Equifax, XXXX XXXX, XXXX  credit reports. They are reporting wrong information. accounts I never opened. In know accounts. I am a victim of identity theft. Accounts open by someone posing as me. These accounts are not mine. XXXX XXXX XXXX, XXXX amount of XXXX XXXX XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX XXXX amount of XXXX. 2 accounts from the same company. account XXXX XXXX XXXX amount of XXXX. 2nd account XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. These accounts I never opened someone posed as me to open these accounts! This is identity theft fraud. None of these accounts I have no knowledge of. 
I am willing to prosecute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 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: FL

Complaint narrative:
They have identity on all 3 of my credit report XXXX, trans union, XXXX credit reports. They are reporting wrong information. accounts I never opened. In know accounts. I am a victim of identity theft. Accounts open by someone posing as me. These accounts are not mine. XXXX XXXX XXXX, XXXX amount of XXXX XXXX XXXX XXXX XXXX amount of XXXX. XXXX XXXX   XXXX XXXX XXXX amount of XXXX. 2 accounts from the same company. account XXXX XXXX XXXX amount of XXXX. 2nd account XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. These accounts I never opened someone posed as me to open these accounts! This is identity theft fraud. None of these accounts I have no knowledge of. 
I am willing to prosecute.

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 2018-10-13 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: FL

Complaint narrative:
They have identity on all 3 of my credit report XXXX, XXXX XXXX, Experian credit reports. They are reporting wrong information. accounts I never opened. In know accounts. I am a victim of identity theft. Accounts open by someone posing as me. These accounts are not mine. XXXX XXXX XXXX, XXXX amount of XXXX XXXX XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX XXXX amount of XXXX. 2 accounts from the same company. account XXXX XXXX XXXX amount of XXXX. 2nd account XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. These accounts I never opened someone posed as me to open these accounts! This is identity theft fraud. None of these accounts I have no knowledge of. 
I am willing to prosecute.

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 2018-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Received call after call all hours of the day on my cell phone while im at work. Then not sure how this happens but my phone would just play the debt collection recording all by itself with screen locked in my pocket every half hour for entire day all hours of day and night. i would be on my phone using it for something else the message would play. phone in my pocket at doctors office for an appointment and outloud on speaker the debt collection message would play. That should 100 % be illegal. I called to ask them to stop and they denied it. i didnt set my phone to play this message every half hour 24/7. I had to take my phone to XXXX and they ended up doing a factory reset.

Company response to consumer: Closed with non-monetary relief