vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter. 

After sending several requests for validation for this debt in writing beginning in XX/XX/XXXX, the company then deleted the item. However, months later, they would illegally re-insert the item to credit report again. This has happened at least four different times. The most recent being XX/XX/XXXX sending a debt validation letter only to have them once again illegally add and report he information to credit reporting agencies again in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX  XXXX {$850.00} XXXX {$430.00} XXXX   XXXX {$700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$12000.00} XXXX {$2000.00}

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 2020-06-22 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX  XXXX {$850.00} XXXX {$430.00} XXXX   XXXX {$700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$12000.00} XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: TN

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

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 2020-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citi keeps charging late fees and refused to send bills explaining their charges. Their customer service reps claim to waive fees and send bills, but do not. 

Very unfair to charge fees but not send a bill, and then keep charging late fees. Advise other consumer to avoid all Citi bank credit cards.

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 2020-06-22 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: TN

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

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 2020-06-22 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: TN

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: DC

Complaint narrative:
I sent a dispute letter to XXXX, XXXX, and XXXX. 

The company insist on a debt for a cable service and box and I have had 0 contact with XXXX  or XXXX  in almost a decade. 

Any items in question were delivered back to them and any payments due were made timely and XXXX out. 

Neither XXXX or XXXX  can validate a debt and neither has provided any payment history or debt activity since earlier this decade. 

The false reporting is harming my credit score and I have had no contct with anyone in more than 7 years. 

I have'nt lived at the address where I had XXXX  since 2008.

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 2020-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Carvana Group, LLC
State: CA

Complaint narrative:
On XX/XX/2020, Carvana pulled my personal credit report without my permission. This " hard inquiry '' caused my credit score to drop 18 points. I called Carvana and asked them to remove the inquiry and they refused, even though they agree the credit inquiry was done in error. They stated I need to contact XXXX  to dispute the inquiry and they would support the dispute. When I contacted XXXX, they stated Carvana needs to contact them directly to remove the inquiry, that I can not dispute an inquiry. Both companies are pointing at each other, in the mean time, my credit has been significantly impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I checked my XXXX XXXX account on XX/XX/2020 and had an inquiry from SYNCB National credit cards/ Airlines . I called synchrony bank and they were of no help and very rude. I want to file a complaint with synchrony bank, XXXX XXXX and XXXX, especially synchrony please.

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 2020-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Effective XX/XX/XXXX our home mortgage was transferred to Mr. Cooper. 
In a letter from Mr. Cooper, dated XX/XX/XXXX, we were told ( 1st paragraph ) dont worry, the terms of your loan stay exactly the same. The letter lists mortgage terms as follows : a ) Current Interest Rate@ 4.25 % b ) Current monthly payment @ {$2200.00} c ) Payment due date @ XXXX of each month A following letter, dated XX/XX/XXXX confirmed a servicing transfer and again in the first paragraph stated, Nothing else about your mortgage loan will change. 
In XXXX of XXXX, we were granted a Tax Deferral Affidavit by the state of Texas XXXX county of XXXX for over 65 or XXXX homeowners. We are now XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ( XXXX XXXX XXXX. 

The first letter we received regarding our taxes from Mr. Cooper was XX/XX/XXXX. It totally disregarded our tax deferral and demanded payment of {$18000.00}. We sent a copy of our tax deferral affidavit. 

Another letter followed on XX/XX/XXXX demanding proof of payment for taxes for XXXX through XXXX in amount of {$6900.00}. The next letter from Mr. Cooper demanded payment of {$18000.00} for years XXXX through XXXX. 

In XXXX of XXXX we continued to receive letters, last one showing a total of {$35000.00} owed Mr. Cooper with a demand letter to pay the entire amount or monthly payments of {$5600.00}. 

We can not afford to make this high payment! 

In conclusion, we are retired, on limited income. Both of us are physically unable to hold a job. Again, we are XXXX and XXXX XXXX XXXX. We are suffering mentally and physically from the pressure being put upon us from Mr. Cooper. The state of Texas granted us a Tax Deferral. Does Mr. Cooper not have respect for the laws of the state of Texas? It is obvious that this company ( Mr. Cooper ) has no respect for XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: IN

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$70.00} XXXX  XXXX XXXX XXXX {$1200.00} XXXX XXXX {$720.00}

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 2020-06-22 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: WI

Complaint narrative:
I have written, and called Equifax numerous times. They do not give the option to permanently remove a credit freeze. They compromised all Americans accounts several years ago. They gave an option to get a credit freeze, now they do not offer any away except for mailing all your personal information through the mail. You can not overnight your request because the only address is a PO box . They run you around in a circle and do not allow you to sign in online. When you call they ask you security questions that are not accurate nor possible to answer. This has made it very difficult for me to sign up for XXXX and Social Security payments. This is criminal and they should be listed as a fraudulent company. All I want is my credit freeze lifted. I had not problem with XXXX or XXXX XXXX. The websites are loaded with this same complain about Equifax. Something needs to be done immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I reached out to the bureaus explained to them by law the had to ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. 
I was a victim of identity theft since XXXX I tried to get them to do their job .I sent in ftcs, asked them to investigate the accounts and blocked them the refused too, they have addresses that don't belong to me on my report, jobs, names and etc .I sent the companies letters too over the course of 2-4 months with no reply. ive called spoke to reps asked them to please fix this, I got XXXX  with XXXX  so I stopped for a lil while than my grandmother XXXX  due to the XXXX  and I couldn't even get a loan to help cover the funeral expenses because the bureaus refuse to do their job.I explained to them how things happened In my life that could've lead to this, I put it in ftc report like I was told to do by someone when I called, I was robbed walking home from work some time ago, I had all my personal items in there I didn't know I was supposed to check my credit I pulled my credit to get a loan to bury my dad that's when I learned of a these fraud accounts on my credit report .I didn't open these accounts or give anyone permission too .i explained that one of my first cousins and I have the same name I haven't seen her in years and we both stayed at the family house we grew up together in .they had a person name XXXX XXXX and all type of bad information on my credit profile .I asked for them to send me what they have from companies saying these accounts are mine because theyre not. please help me /.I am in a crisis lost my job, lost my grandmother and these people have me on the edge I will be looking into getting an attorney to sue I am emotionally distressed this is wrong .Equifax is the worst they don't even budge to try to follow the law.can u please have them send me what they used to determine these accounts was mine because their lying their fraudulent this has cost me so much stress

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
This company is reporting 1 item to my credit that are not mine. This must be a result of fraudulent use of my name. I have tried to work and explain that to them and they continue to report on my credit a clear violation of FCRA and violation of FDCPA for attempting to collect on a debt that is not mine. I only have the last four of each account. I only have XXXX as an identification number the account they are passing as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: IN

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$70.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX {$720.00}

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 2020-06-22 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: IN

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$70.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
XXXX charged my American Express card {$2200.00} on XXXX XXXX and did not provide the service. It was a hotel stay at XXXX XXXX in XXXX XXXX, FL I booked the hotel through XXXX   for a stay XXXX XXXX. I heard through a news report that XXXX was taking money and when people arrived at their hotel, there was no room because of no payment. So I called XXXX to discuss my reservation. They put me on hold and hung up on me 3 times. 
Then I called American Express for help XX/XX/XXXX. They assured me Not to worry. However, I still emailed Customer service with XXXX to tell them of the action I was taking through American Express. No response from XXXX. 
AmEx Gave a provisional credit. Then a month ago re-charged my card. I filed another investigation with AmEx, giving them even more evidence of XXXX scam. XX/XX/XXXX AmEx tells me they need more time for the investigation ( 6-8 more weeks ), yet the charge is there and Im paying interest on it. 
I am Worried AmEx is holding out so I will give up. Ive been a member of AmEx 23 years. They are known as the travel card, however I feel other people with different card companies are getting their money credited back. Im a member of a XXXX group called scammed by XXXX, so far on that group page AmEx has refunded no one. 
I also called XXXX XXXX to see how my reservation was listed. She said it was listed as a cancellation by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I want to sync my account with a budget building app to help me with my finances but they wont allow me to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspi-cious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX {$4000.00} XXXX {$11000.00}

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 2020-06-22 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: IN

Complaint narrative:
today, XX/XX/XXXX, I spoke with XXXX/ XXXX  about my forbearance and incorrect credit agency reporting. Asked them to correct the situation and was told they did not provide the information. 

During my forbearance my loan was reported as late for XXXX, XXXX and XX/XX/2020, when I made these payments in full. 

I have wrote to them today providing proof that my payments were reported as late for 3 months. 

I also cancelled my forbearance as I am unable to refinance my loan while on forbearance. 

Have requested my credit report so I can dispute this information but that will take 30 days. Unable to start credit union complaint online! unable to speak with anyone at Trans Union or XXXX. XXXX   requested proof of identity and would not start complaint. The questions they use for screening would require me to have my credit report in order to answer them. I have a XXXX XXXX  that has affected my memory.

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