vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-21 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: OR

Complaint narrative:
Equifax breach caused me to have the violations please correct the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACS Education Services
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have been getting phone calls and got suspicious because of a incident with a fraudulent student loan forgiveness company. I had been recieving these calls for multiple hours throughout the day. My mom handles the other debt and financial stuff so I am not sure why they are calling other than me trying to aquire about my student loan forgiveness from XXXX discharge a month ago. This is also around the time the fraudulent company tricked me into giving my personal info thinking it was XXXX discharge or affiliated with them. I think I still have the screenshot of the ad of them on XXXX search but I'll have to look through my phone for it. Other than my student loans I have no idea why they are harrassing me. I kept blocking them thinking it was a scamming company. I'm tired of it. As far as I know everything is ok and dealing with bad debt collectors in  the past I refuse to speak to them and be intimidated into paying money I don't have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: A & O Recovery Solutions, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-21 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Incorrect 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 2019-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: National Credit Adjusters, LLC
State: CO

Complaint narrative:
This happened in 2014 from XXXX XXXX XXXX in XXXX, CO. I took out a loan of {$220.00} and I submitted a check to pay the loan off and when I did, they recieved it, however they processed the check AFTER my account closed. 4 years later, I am getting certified mail from the company, and then getting threatening phone calls from out of state collectors claiming they are investigators, attorneys and telling me if not paid, then they are going to send a sheriff to issue a warrant for my arrest. 

Along with the original amount, they are attaching huge amounts that don't even make sense that reach up to {$3000.00} They have called me late night, showed up at my residence on a weekday around XXXX Needless to say, this issue concerns me, frightens me and probably ended up in the hospital due to me stressing over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 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:
I have written & called Experian several times to let them know they are still reporting fraud accounts on my credit report. I called & spoke with someone in the fraud department & they stated this would be taken care of months ago & it is still the same. I have sent in the requested information of ID, social security card, police report, & identity theft report. The accounts for XXXX XXXX XXXX, XXXX XXXX   XXXX  ( there's several accounts listed for this company ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX/XXXX are not mine. All those are fradugelent accounts that someone has opened in my name. PLEASE DELETE THOSE ACCOUNTS.

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 2019-09-21 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: BANCO POPULAR DE PUERTO RICO
State: TX

Complaint narrative:
I applied for a credit card and was approved prior to XX/XX/2019. After activating the card received in the mail, I found there was a freeze on the card. I called the issuing bank and was told I need to verify my identity by submitting documents via email. I promptly complied. I have since been sent a bill from the issuing bank for the {$140.00} annual fee on the card that I promptly paid. Tried using the card a week later and charges are still being declined. Called the issuing bank again and they asked for the documents to be emailed to them again. I promptly complied. It has been almost 1 month since I opened the account and was charged/paid for the annual fee and I still have no use of the credit card whatsoever. No contact has been attempted by the issuing bank to resolve the matter and I have been charged/paid for a card that does not work. I was also entitled to a bonus offer where I must spend a certain amount within 90 days which has been shortened to 60 days because of their inability to unlock my account. I have no issues with this bank, my credit history, or any lender/bank and find this behavior to be unfair to the consumer. I've paid for something that can't be used and not been given a chance to earn the same bonus offer as other consumers with the exact same card and offer.

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 2019-09-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
My wife and I opened a 12 month CD at Marcus by Goldman Sachs using the online portal on XX/XX/XXXX. On XX/XX/XXXX of XXXX, I put in a request to close the cd upon maturity ( XX/XX/XXXX ) and transfer the funds via ACH transfer to my local bank. On the XXXX, of XXXX, XXXX I went online to verify that the funds had been sent to my local bank as requested. I was allowed access into my online account but this account no longer contained any information as to this cd, which is the only account that I hold with Marcus by GS. I could access my profile and prior statements that are generated on the last day of the month but there was no information concerning the cd in question, its interest paid at maturity nor the present value of cd. It was as if the account had vanished into thin air. The online account does not even list this account as closed, it simply is not there, I called customer service and was told that the funds had been remitted via the ACH system. When I asked for some written verification that this had been done or to be sent a copy of the account being closed and the monies being sent, I was told that the representative I was speaking to would REQUEST that a verification be sent but that it would have to be sent via the US Postal Service and she also stated that she did not know how long it would take for such a request to be honored to which I replied that this would not be acceptable. The representative stated she could do nothing else for me. 

As of the present time, the funds have not arrived at my local bank. I realize that this can take up to 3 days and I have no issue with that fact. I do have an issue that I can find no information with regards to this account when I log-in online and I can not determine if Marcus by Goldman Sachs has indeed returned these monies to me, the legal owner and that I can only get verbal assurances that they have. I also have an issue with the fact that this account shows up no where on my online account other than the prior statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 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:
I checked my personal Equifax credit report, and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. XXXX XXXX XXXX, inquire date XX/XX/XXXX, XXXX, inquire date XX/XX/XXXX, XXXX XXXX XXXX, inquire date XX/XX/XXXX. If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity Bank called me last night and continued to try to collect on a debt even though I had stated I had opened a complaint about them with the CFPB. I tried to call today and they refused to take my call even though the call center was still open. It was open until XXXX XXXX on a Saturday and I called around XXXX XXXX. My mother complained to me that they were calling her cell phone when I had never given them her phone number. After attempting to call their call center, I checked the account online and asked them to close the account because it's not closed. I checked my profile and it had my mother 's cell phone number listed as an alternate number. This means that either my online account has been hacked or someone at the company put this in as an alternate number. Either way I feel I have been violated and the victim of identity theft. I did not provide them with this phone number and I have no idea why it is listed in that section. I recently removed an alternate number and left the field blank. I also thought they were supposed to stop calling to collect the debt while the CFPB complaint is open, which I checked on my account and it is. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
A company called Portfolio Recovery has called my landline ( registered with the Do Not Call Database ) every single day for the past few months. Every day, they call from a different phone number so I can not block them. They have never once left any type of message on my answering machine. I have not received anything in the mail and my husband and I have no outstanding debt whatsoever. These calls are burdensome, frequently early in the morning or late at night, and will not cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-21 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: DE

Complaint narrative:
thise inquiries i didn't authorized they made it fraudulently. 

XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX. 
XXXX Syncb/XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX, PA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX   XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX, MD XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX, CO 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 2019-09-21 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:
I have contacted experian several times and explained that the following things that they are reporting is in correct these things DO NOT BELONG TO ME & IS FRAUD. XXXX XXXX XXXX account XXXX it is listed with {$XXXX} balance, XXXX/XXXX  account XXXX balance {$XXXX}, XXXX XXXX XXXX account XXXX {$XXXX}, and a Bankruptcy. I have never filed bankruptcy at all ever. I told them the last time this was not mine. It was verified after I have sent in a police report, my drivers license, social security card and an identity theft report. These things are not mine and I am asking you to stop reporting things that are fraud on my credit report. 
For the bankruptcy this is a huge error and all this need to be fixed immediately! PLEASE DELETE THESE ACCOUNTS FROM 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 non-monetary relief
Consumer complaint received 2019-09-21 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: PA

Complaint narrative:
There is a hard inquiry for XXXX XXXX on my Equifax credit report from XX/XX/2019. I do not have any XXXX services, this must be fraud or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 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: Law Offices of Robert J. Colclough, III
State: FL

Complaint narrative:
On XX/XX/2013 I paid a debt of {$120.00} to Allied Collections for XXXX XXXX XXXX on a product in which I never received. I paid the debt to avoid any derogatory remarks on my credit report again even after I still did not receive the product. 

And now 6 years later when it shows as a derogatory remark on my credit statement and I need it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 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: CITIBANK, N.A.
State: OK

Complaint narrative:
As of today, XX/XX/19 ( XXXX time zone ) my credit card balance, on both the Citi mobile app and the Citi automated phone system, reflect a recently made payment. However, my card was denied due to the balance of my card being over my credit limit. When I called Citi and spoke with a representative, they explained that while the payment was received on XX/XX/19, the payment has not been posted. In order to expedite the payment posting, I will need to coordinate a third-party verification between my bank and Citi, or wait until the hold is lifted in a few days. This is most inconvenient as I made the payment a week in advance of traveling internationally with the expectation of being able to use the credit card. Additionally, my bank is not open on the weekends, and I will have to wait approximately 36 hours from now to resolve this issue myself by coordinating a call between my bank and Citi. This is outrageous. Citis inability to accurately portray my credit card balance is the definition of an unfair, deceptive, act or practice, as all information provided by Citi reflects that the payment has been made and credited towards my outstanding balance.

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 2019-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 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: CO

Complaint narrative:
Update to compliant : XXXX They have now opened the dispute again, yet on the XXXX sent me a nasty letter that they refuse to dispute. They included a new credit report and of course, it clearly indicates I'm two months late on XXXX XXXX XXXX. This is getting absurd. I AM NOT LATE ON ANY ACCOUNTS. It was closed in XX/XX/XXXX. I have attached all the attachments yet again along with their new credit report. This is fraud. The indicate it will take them 30 to 60 more days all the while my credit SCORE is low due to their fraud. 

Hello, Experian is reporting I have a 60 day late payment on my credit report for an account that was closed as deed in lieu in XXXX of XXXX 4+ years ago! I have tried calling, emailing, using their website, mailing. When I called, 3 people including a manager just told me I don't know how to read a credit report. I have attached the credit report for your review. 
Experian phone reps indicate XXXX does NOT indicate as negative payments. This is very clear that they are wrong once you take a look. This is also not on any of my other credit reports. I have filed a complaint with the XXXX, I have disputed 2 times with Experian and also sent them a dispute form by overnight mail on XX/XX/XXXX. The credit report is attached. The negative payment supposedly is XXXX XXXX XXXX XXXX. This account has been closed since XXXX of XXXX!!! Deed in Lieu. There is NO late payments on this account for almost 5 YEARS. Heres what happens when I log into my Experian Account : You Have 1 New Late Payment Your report shows 1 new late  payment in the last 60 days. If any look unfamiliar, it could be a bank mistake or a sign of fraud and you can dispute it. 
XXXX XXXX XXXX XXXX Past Due Amount : {$XXXX} Details Account # XXXX Original Creditor - Company Sold - Account Type Conventional Real Estate Loan, Including Purchase Money First Date Opened XX/XX/XXXX Account Status Closed Payment Status Credit grantor received deed for collateral in lieu of foreclosure on a defaulted mortgage Status Updated XX/XX/XXXX Usage - Balance {$XXXX} Balance Updated XX/XX/XXXX Original Balance {$XXXX} Monthly Payment {$XXXX} Past Due Amount {$XXXX} Highest Balance - XXXX XXXX BRIGHT RED N Recent Missed Payment You recently missed a payment or had a derogatory indicator reported on your credit report. Your most recent missed payment happened 2 Months ago

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