vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-05 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
My previous complaint number was XXXX ( with current servicer XXXX XXXX ). however I was advised that I need to go back to XXXX  XXXX XXXX since my loan was transferred from them. I did receive the pay history and it does not match up and they still can not provide my payments from XX/XX/XXXX, to XX/XX/XXXX. I do not know what else to do to get this resolved. Please see the attached documents Loan Number : XXXX Original Lender : XXXX  XXXX XXXX : XXXX  XXXX XXXX XXXX XXXX  This complaint is against XXXX  XXXX XXXX XXXX XXXX a subsidiary of XXXX  XXXX XXXX XXXX for deceptive practices on my loan modification and mortgage payments. I was told by XXXX XXXX XXXX and The Consumer Protection Bureau to file a complaint against XXXX  XXXX XXXX. The series of events are as follows : 1 ) XXXX XXXX XXXX boarded my loan from XXXX XXXX XXXX XXXX and can not account for payments from XXXX to XXXX. I am disputing an increased loan balance of over {$96000.00} and all the balloon payments. 





The loan modification I signed was out of desperation. This complaint falls under the same scrupulous investigation and determination by the US Department of Justice against XXXX  XXXX XXXX XXXX involving minorities and XXXX. XX/XX/XXXX, XXXX  XXXX XXXX settled the complaint by the US Department of Justice for {$16.00} XXXX dollars. I am requesting an investigation into my loan balance. I do not owe the balance reflected by 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 2019-11-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Hi, This is in regards to my Comenity Bank XXXX XXXX Credit Card. They closed my account in XXXX without telling me because of inactivity but I had made several large purchases on the account between XXXX of about XXXX. These charges went through and I paid them in full. I received statements that I paid through XXXX. I only used the card to make these purchases to earn rewards. I had accumulated {$800.00} in rewards. When I tried to retrieve the rewards I was told that my account was shut down and there was nothing I could do. I have been escalating this within the company with several employees with no resolution since end of XXXX XXXX. Ive been repeatedly blown off. I just received another message via twitter that they have my dispute and it could be another 60-90 days to make a decision. This is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-05 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: TX

Complaint narrative:
XXXX  XXXX XXXX # XXXX is being reported on my XXXX, Transunion, and XXXX  credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.

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 2019-11-05 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: TX

Complaint narrative:
XXXX XXXX XXXX # XXXX is being reported on my Experian, XXXX, and XXXX  credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.

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 2019-11-05 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: TX

Complaint narrative:
XXXX  XXXX XXXX is being reported on my XXXX, XXXX, and Equifax credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: TX

Complaint narrative:
XXXX  XXXX XXXX is being reported on my XXXX, Transunion, and XXXX  credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.

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 2019-11-05 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: TX

Complaint narrative:
XXXX  XXXX XXXX is being reported on my Experian, XXXX, and XXXX  credit reports. This account is a fraudulent account and documentation has been sent to the reporting  agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.

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 2019-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I opened an account at bank of the west in XXXX XXXX on XX/XX/XXXX with a coupon, that advertised XXXX dollars bonus if I qualified. I did everything that was required, and advised by the XXXX XXXX, who helped me open the account. 

I opened my account with XXXX dollars and deposited in my account the XXXX dollars required for the following 4 months. Now im being told a bunch of different reasons of why am I not elegible for the promotion. This is false advertisement. 

the promo states : Requirements to Receive Up to {$250.00} Bonus : Open a new personal Any Deposit Checking account at a branch or account application submitted on bankofthewest.com between XX/XX/XXXX - XX/XX/XXXX with any opening deposit amount ( {$0.00} or more ). Opening deposit must be funds new to Bank of the West ( Bank ) received and posted to the account within 30 days of opening. This offer is also available for any other consumer checking account ( minimum to open {$100.00} ). UCB Student Checking and Premier Checking excluded. 

To receive the {$250.00} bonus, customer must make at least one deposit of {$250.00} or more for each of the first four consecutive calendar months following the month in which the account is opened. Calendar months do not necessarily coincide with statement cycles. Two or more separate deposits in a single month that add up to {$250.00} do not qualify. Qualifying deposits must be funds new to the Bank. All deposits must be posted by XX/XX/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 2019-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/XXXX of XXXX, I received an email from Paypal saying " We are sending you a card that can earn cash back for your business. '' The email included information about how to opt-out, but I never applied for the card in the first place ( and was on vacation at the time ). Without ever reaching me, and with no application or interest from me, the card was opened and mailed out to an address where I no longer live. My family says that the card arrived recently, but I'm not sure about the date ( probably within a week of today ). 

This isn't just a security concern. I'm concerned about my credit score, and about controlling my personal finances. I contacted PayPal today ( XX/XX/XXXX ) via phone to remedy the situation and close the account. I gave up after speaking with 4 representatives and spending over an hour on the phone. Representatives say anything from that the card doesn't exist ( under any city that I've ever lived in, my email, or my phone number ) to that it was my responsibility to opt-out if I didn't want the card ( a manager ). Each department refers me to another, and in the end, I still have an unwanted account that I can not get them to close. 

When researching this issue, I saw that PayPal was sued for {$25.00} XXXX in XXXX for similar violations, so it is concerning to me that they are still behaving in such a manner.

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 2019-11-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Im a XXXX  in the XXXX XXXX and served XXXX tours form XX/XX/XXXX through XX/XX/XXXX, I sent a copy of my military orders to Equifax to place a military freeze on my report while I was XXXX. After serving my due time, I came home to find that there were literally 100 additional accounts on my profile that did not belong to me. I notified Equifax immediately and was informed there was a compurter " glitch '' that caused my misfortune. Unaware of any information in regards to hacking episodes, I never recieved an offical apology -- but instead was mocked for my military service and my near death experience while serving my country. This single " glitch '' or misplacement of my personal information has caused me unquenchable heartache. Because of this unequivocal amount of inaccuracies to my account, I have had XXXX XXXX remove, military terminology for XXXX, plus now Im looking at XXXX XXXX. I have been given in access of XXXX to resolve this issue, however, to my dismay, very little progress has been made. My phone calls consists of arguements and disbandments, of which has I have endured tumultuous amount of criticism in regards to my service for my country.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 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: TX

Complaint narrative:
XXXX XXXX XXXX is being reported on my XXXX, XXXX, and Equifax credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
A loan account with XXXX is reported as sold to Cach LLC aka Resurgent Capital Services, a separate complaint was made against Resurgent. The terms of XXXX loan were not disclosed at time of approval, terms such as interest rate which is in question as it does not appear XXXX took into account credit score when calculating rate. Numerous negative reviews on consumer review sites such as XXXX reveal XXXX charges the same high interest rate to everyone whom is approved, regardless of credit score. This high rate was not disclosed and XXXX has not shown any proof to date that it was, payments ceased in 2015 after I learned of rate. A credit report shows the loan as sold to Cach LLC, the parent company by the name of Resurgent replied to complaint which I copied below, their rep states record does not show any account with Cach LLC. There appears to be an error here which needs to be corrected, if not, remove account from credit file. 

Resurgent response : We are unable to locate a CACH account for XXXX XXXX. Please provide a copy of the original complaint, as well as any information ( account number or social security number ) that would help us to locate the account and address your concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: TX

Complaint narrative:
XXXX XXXX is being reported on my XXXX, Transunion, and XXXX  credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.

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 2019-11-05 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: TX

Complaint narrative:
XXXX XXXX is being reported on my Experian, XXXX, and XXXX  credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.

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 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
General Question : Why does the government allow Experian to charge for something called " file lock '' ( https : //www.experian.com/blogs/ask-experian/how-to-lock-your-credit/ )? It seems this company is intentionally ignoring the orders and laws of congress to provide identity protection through various means, i.e. credit monitoring, fraud alerts, and security freeze a responsibility of each of the three reporting agency. 

To the point, if you do not pay them $ XXXX {$29.00} a month Experian will leave your credit file unlocked and anyone ( including the hackers- hello, the bad guys!!!! ) who already have the a person ( s ) credit and identity information the result of previous credit bureau hacks can access your credit file information again. This is an outrage! How is this protecting people credit files??? 

It's quid pro quo, pay us or we release your credit file! This is very suspicious, please investigate!!! 

Thank you! 
A Taxpaying citizen, who has been repeatedly screwed over by my government officials who let these BIG companies go with a slap on the wrist!!!!

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 2019-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Carpio Partners, a collection agency, is reporting ( 2 ) medical debts on my credit reports. 
The agency has not mailed a notice of these alleged debts nor notified me as to the legal disclosures and rights under the FDCPA. 

I have no recollection of these medical debts plus I have medical insurance that would had paid for any medical services provided. 

! - Acct # XXXX -- -- amount -- XXXX -- -XX/XX/2019. I requested an investigation with XXXX  on XX/XX/2019. 

XXXX # XXXX -- -amount -- XXXX -- -XX/XX/2019. I requested an investigation with XXXX  on XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
A loan account with XXXX  is reported as sold to XXXX XXXX aka XXXX XXXX XXXX, a separate complaint was made against XXXX. The terms of XXXX  loan were not disclosed at time of approval, terms such as interest rate which is in question as it does not appear XXXX took into account credit score when calculating rate. Numerous negative reviews on consumer review sites such as XXXX reveal XXXX charges the same high interest rate to everyone whom is approved, regardless of credit score. This high rate was not disclosed and XXXX has not shown any proof to date that it was, payments ceased in 2015 after I learned of rate. A credit report shows the loan as sold to XXXX XXXX, the parent company by the name of XXXX  replied to complaint which I copied below, their rep states record does not show any account with XXXX XXXX. There appears to be an error here which needs to be corrected, if not, remove account from credit file. 

XXXX  response : We are unable to locate a XXXX account for XXXX XXXX. Please provide a copy of the original complaint, as well as any information ( account number or social security number ) that would help us to locate the account and address your concerns.

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 2019-11-05 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: GREAT LAKES
State: CA

Complaint narrative:
On XX/XX/XXXX, Great Lakes posted to my XXXX  report that my loan balance " increased by {$70.00} '' and it adversely impacted my credit score. My statement shows a payment made and not clearly identified as to which date the payment was processed in XXXX. It shows my correct payment of XXXX, principal payment of XXXX, and interest payment of XXXX. I called to inquire why they are erroneously posting negative information to my reports, on XX/XX/2019 and all they ever claim is " interest accrues every day. '' They do not know how to answer any questions and I held for over 15 minutes waiting for a supervisor who never came onto the call. They believe this statement explains all of their extensive errors, it does not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation