vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-03 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: NC

Complaint narrative:
In XXXX of 2019 i found out equifax had a alert on my report. Ive asked them to remove it numerous times with no action taken. Ive mailed and faxed all paper work needed to prove who i am about 15 times and to this day im still sending documents proving who i am. As of XX/XX/XXXX the alert is still in my consumer report. Ive tried applying for credit and i still cant get it due to equifax. I dont know what to do. Please help me!!! They keep asking me security questions that dont have nothen to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery has been repeatedly calling me concerning an old debt that was sold to them by XXXX  XXXX, back in XX/XX/XXXX, this account is over Ten years old was opened back in XXXX, keep reporting it as current on my credit report since it was sold in XX/XX/XXXX. The calls are every other day from different numbers and Ive repeatedly told them not to call my number again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1976 ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/2020 Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX   XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: OneMain Finance Corporation
State: CA

Complaint narrative:
ONE MAIN, IS REPORTING A CAR LOAN ON MY CREDIT WITH A BALANCE DUE THAT IS ERRONEOUS AND INCORRECT ACT # XXXX. I WAS SOLD A DAMAGED CLOUDED TITLE VEHICLE ( LEMON LAW VIOLATION ) XX/XX/2016 ONE MAIN FINANCED THIS ILLEGIBLE VEHICLE. I RETURNED WITHIN 30 DAYS AND WAS TOLD THAT FINANCING IS CANCELLED AND REVERSED. ONE MAIN OVER THE PHONE CONFIRMED I DID NOT OWE THEM ANY BALANCE AND ACCOUNT WAS CLOSED AND DISMISSED. HOWEVER, THEY ARE REPORTING THIS ON MY CREDIT REPORT CONTINUESLY AND STILL WITH BALANCE OF {$4600.00} DUE WHICH IS NOT CORRECT AND IS A VIOLATION OF MY CONSUMER RIGHTS. MY NUMEROUS ATTEMPTS TO CONNECT WITH ONE MAIN WENT IGNORED THEY ASKED ME TO WRITE TO THEM BUT NEVER ANSWER.. PLEASE HELP SERVE JUSTICE ON THESE PREDATORS AND VIOLATORS

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-04 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 am a victim of identity theft. I have notified this bureau and they have not acted according to the FCRA 605 B.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: CA

Complaint narrative:
XXXX MAIN, IS REPORTING A CAR LOAN ON MY CREDIT WITH A BALANCE DUE THAT IS ERRONEOUS AND INCORRECT ACT # XXXX. I WAS SOLD A DAMAGED CLOUDED TITLE VEHICLE ( LEMON LAW VIOLATION ) XX/XX/2016 XXXX XXXX FINANCED THIS ILLEGIBLE VEHICLE. I RETURNED WITHIN 30 DAYS AND WAS TOLD THAT FINANCING IS CANCELLED AND REVERSED. XXXX XXXX   OVER THE PHONE CONFIRMED I DID NOT OWE THEM ANY BALANCE AND ACCOUNT WAS CLOSED AND DISMISSED. HOWEVER, THEY ARE REPORTING THIS ON MY CREDIT REPORT CONTINUESLY AND STILL WITH BALANCE OF {$4600.00} DUE WHICH IS NOT CORRECT AND IS A VIOLATION OF MY CONSUMER RIGHTS. MY NUMEROUS ATTEMPTS TO CONNECT WITH XXXX XXXX  WENT IGNORED THEY ASKED ME TO WRITE TO THEM BUT NEVER ANSWER.. PLEASE HELP SERVE JUSTICE ON THESE PREDATORS AND VIOLATORS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: CA

Complaint narrative:
XXXX XXXX, IS REPORTING A CAR LOAN ON MY CREDIT WITH A BALANCE DUE THAT IS ERRONEOUS AND INCORRECT ACT # XXXX. I WAS SOLD A DAMAGED CLOUDED TITLE VEHICLE ( LEMON LAW VIOLATION ) XX/XX/2016 XXXX XXXX  FINANCED THIS ILLEGIBLE VEHICLE. I RETURNED WITHIN 30 DAYS AND WAS TOLD THAT FINANCING IS CANCELLED AND REVERSED. XXXX XXXX   OVER THE PHONE CONFIRMED I DID NOT OWE THEM ANY BALANCE AND ACCOUNT WAS CLOSED AND DISMISSED. HOWEVER, THEY ARE REPORTING THIS ON MY CREDIT REPORT CONTINUESLY AND STILL WITH BALANCE OF {$4600.00} DUE WHICH IS NOT CORRECT AND IS A VIOLATION OF MY CONSUMER RIGHTS. MY NUMEROUS ATTEMPTS TO CONNECT WITH XXXX XXXX  WENT IGNORED THEY ASKED ME TO WRITE TO THEM BUT NEVER ANSWER.. PLEASE HELP SERVE JUSTICE ON THESE PREDATORS AND VIOLATORS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX has been repeatedly calling me concerning an old debt that was sold to them by capital One, back in XX/XX/2017, this account is over Ten years old was opened back in XXXX, keep reporting it as current on my credit report since it was sold in XX/XX/2017. The calls are every other day from different numbers and Ive repeatedly told them not to call my number again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: HI

Complaint narrative:
Talked with multiple people, no one could explain a " random '' customer verification. I am unable to check my balance, but one employee said I can still use my card. Why would I use my card if I can not even check or pay my balance? 
They made me sign a IRS Consent Form 4506-T.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX my fiance ( now wife ) went to the emergency room at XXXX XXXX XXXX. She provided her insurance card to the hospital at the date of service, however the hospital failed to bill the insurance properly leading to no insurance payout. 

My wife did not hear a thing about this unpaid claim until 6 to 7 months after the procedure when a representative of the hospitals billing department mailed us notice of the unpaid claim. My wife spoke to the hospital billing department on several occassions during XXXX and provided them the insurance information for her provider at the time of the procedure but they refused to reprocess the claim with our valid insurance information at the time. 

My wife did not hear from the hospital again. It wasn't until XXXX of XXXX, when it was discovered that on a credit check for a refinance that this claim had been sent to collections and would affect our refinance. We found the name/number of XXXX XXXX XXXX and reached out to them to explain the problem and that we were not liable for the collection and asked them to remove it. My wife conducted a conference call between herself, the collection agency, and the entity that purchased her old insurance provider. The insurance provider discovered that no claim was resubmitted after the first claim had failed to go through. For this reason, the hospital didn't meet the 12 month deadline to resubmit the claim and the claim was barred. After the old collection agency spoke to her old insurance provider the collection agency agreed to let go of the claim and remove the claim from my wife 's credit report. 

It now appears that the old collection agency has sold this collection to a new collection agency and we are now again seeing an Illegitmate collection against my wife 's credit. Reattempts to continue to collect this claim after it was extinguished constitutes harrassment and predatory collection behavior that greatly affects our ability to obtain credit. 

Original creditor : XXXX XXXX XXXX Current creditor : XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX Amount due : {$850.00} Discounted amount due : {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020, I requested my free annual credit report for TransUnion. The company did not provide access to a free report ON THEIR OWN WEBSITE. They required that I go through XXXX. I did that and received my credit report ; however, I WAS NOT GIVEN MY CREDIT SCORE. This score is an integral part of my credit report and should be included. When I attempted to retrieve this through TransUnion, I was unable to do so without passing a payment wall by inputting my credit card information. This is ridiculous and illegal. I do not have to sign up for a paid service in order to get my credit score annually. I do not have to provide my credit card when I request my annual credit report INCLUDING MY CREDIT SCORE. Both other credit bureaus ( XXXX  and XXXX  ) provide both annual reports and scores EASILY online on their own websites. TRANSUNION IS NOT FOLLOWING EITHER CALIFORNIA OR FEDERAL LAW!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
XX/XX/2020 ally bank uses a fake consumer reporting agency called XXXX XXXX.  They have my credit score as XXXX. I have XXXX with XXXX  h XXXX  XXXX with XXXX  and XXXX with XXXX  this resulted in a much higher than should have been interest rate. Didn't even know this fake credit reporting was legal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Innacurate employer on credit report. I do not work for XXXX XXXX. I work for crown which I have sent my stubs to transunion multiple times only to have it reappear.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Hello. I'm applying for a XXXX XXXX XXXX through XXXX XXXX to assist minority businesses affected by COVID-19. PNC will not permit me to link my account to the application in order to receive the grant funds faster.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Kentucky Higher Education Assistance Authority
State: GA

Complaint narrative:
As of XX/XX/XXXX I noticed on my credit report I have student loans from Kentucky Higher Ed Student Loan Corp on my credit report reflecting in a negative way. XXXX was my original financial lender ( student loan ) XXXX was involved in a lawsuit back in XXXX XXXX, XXXX, and XXXX. All participants who had student loans with them were paid off. ( Debt cancelled ) ( Loan Forgiveness ). It was supposed to however it wasn't according to my credit report.The loan was sold and transferred to Kentucky Higher Ed Student Loan Corp. This shouldve never happened when this matter was resolved in the lawsuit I stated earlier. After an extensive research I was directed to you concerning this matter. I asked that you please help me resolve this matter. Im trying to move on and start fresh but find it quite difficult when this has a negative impact on my report. There are four different accounts listed on my credit report from Kentucky Higher Ed Student Loan Corp which the debt shouldve been cancelled but instead they have impacted my credit report in a major negative way. Please help. I look forward to hearing from you along with having this matter resolved. 

Thank you for your service

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I currently have a consumer credit card issued by Bank of America. At the beginning of the current Pandemic in XXXX, I apparently overlooked a payment due date and submitted my payment a few days late. I paid the balance minus the {$28.00} fee and submitted a letter to the address provided by the card issuer. I specifically asked that this fee be waived due to the extraordinary circumstances of the global Pandemic. In addition, I asked to have my payment date changed to better align with my monthly payday. I received a letter back weeks later form Bank of America that only addressed the change in due date. BofA suggested they couldn't change the date but provided no reason why. In addition, they made no mention of my other inquiry in removing the late charge. I have subsequently paid each month 's balance minus the late change and am still be charged {$25.00} late fees for the month of XXXX and XXXX. I have tried to call their toll free number ; however, the automated system they use will not forward you to a live person unless it fits their prescribed menu options. It also literally hangs up on you if you continue to ask for a person to talk. This Bank has apparently lost focus on what keeps loyal clients and has totally ignored the impacts of Covid-19 from my case.

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 2020-07-04 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: PA

Complaint narrative:
I recently disputed fraudulent items on my credit report. I sent the letters and supporting documents and have not received an appropriate remedy for my identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: PA

Complaint narrative:
I recently disputed fraudulent items on my credit report. I sent the letters and supporting documents and have not received an appropriate remedy for my identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: ID Analytics, Inc.
State: NV

Complaint narrative:
XX/XX/2020 XXXX XXXX uses a fake consumer reporting agency called sagestream llc. They have my credit score as XXXX. I have XXXX with XXXX  h XXXX  XXXX with XXXX  and XXXX with XXXX  this resulted in a much higher than should have been interest rate. Didn't even know this fake credit reporting was legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Requested reporting agency provide Metro 2 complacency of reporting 30 day late on report XXXX XXXX XXXX  XXXX Account number XXXX Paid, was past due 30 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I purchased air conditioning from PC Richard last year through special financing, no interest for one year. The sales person did not inform me about deferred interest or special charges if I dont pay in full after a year. XX/XX/2020 my balance went up by close to {$700.00}. I realized this today while checking my credit history and saw that balance went up a lot. I had not been receiving any statements from them. I called Synchrony Finance today and they said that they cant do anything. I requested supervisor to raise a complaint and send me correspondence or give reference which she refused. I am having financial difficulties these days and I would really appreciate if you can help me with PC Richard and Synchrony finance. I have raised this with XXXX XXXX XXXX as well. 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 monetary relief