vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Benuck & Rainey, Inc.
State: IL

Complaint narrative:
My problem is I received a collect on my XXXX XXXX report I called the collection agency to see what is was it was for a charge from a company by the name of XXXX  XXXX  i have no clue what the debt was for they had my name but the address was wrong. Since it was only for {$160.00} I told the rep I would just pay it because I'm trying to buy a home in XXXX. I explained to the rep that i wanted to do a pay for deletion the rep assured me that they would take care of it from there once I paid the debt. If I knew they were not going to honor the pay for deletion I never would have paid it but the rep assured me it would be handled as a pay for deletion and they always contact the bureaus once the debt is settled. Well they lied to me and now when I call the company to discuss the deletion of the account they give me the run around. The company has a million complaints very similar to mine with the XXXX XXXX XXXX. I still have not received my letter showing that I paid the debt or have I received a receipt of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Requested a credit card though XXXX XXXX, I am not upset about being denied ; however, I am upset about the reasons for denial and credit score reported by Synchrony Bank. 1. Multiple changes in phone numbers. I moved all my accounts to my cell phone ; because now all my creditors want to send text alerts or prefer a cell because my house phone doesn't provide these services. 2. Synchrony Bank states my credit score is XXXX, I monitor me credit score with all financial bureaus and my lowest score is XXXX mainly because I just refinanced my home to get a lower interest rate. I am never late, behind or mss any payments. I filed bankruptcy in XX/XX/2017, because my rental property in Florida was trashed by my tenants and the cost of repairs exceeded the value of the home, I still owed more than the value of the property. So because of that yes, I am in the process of rebuilding my credit and doing rather well at it. What I am angry at the most, is where did Synchrony come up with XXXX. They are upset, that at the time I filed bankruptcy, the courts wiped out all my credit cards, 3 of which were backed by Synchrony Bank.

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 2021-02-28 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: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
Beginning in XXXX while I was in the process of retiring from the XXXX I was informed that someone had stolen my identity ( name, social security number, date of birth ), and used it to obtain fraudulent prescriptions. This was investigated by the authorities and proven to be identity theft. Since then, Ive had several fraudulent pay day loans taken out under my name, fraudulent medical bills, fraudulent credit card and personal loan applications applied for, and other fraud related activities. I never received anything in the mail so as I could dispute it. I was checking my credit and one day all of the sudden I had a collections for {$290.00} from Franklin Collection Services Inc opened XX/XX/XXXX. Ive made several ( more than 10 ) phone calls to Franklin Collection Services Inc and was contestants given the runaround. No one ever returned my phone calls. I sent countless emails and once again no one returned any of the emails. So I filed a complaint with The XXXX XXXX XXXX. They responded about 10 days after I filed the complaint and said that their original creditor states that this was a debt because my VA insurance would not cover a visit to see the doctor. Since a dialogue was opened I accepted the businesss response in good faith. After Doing that I was not able to get a hold of anyone once again. Since Im a military retiree Ive had XXXX beginning in XXXX to this very day. I bring this up because I dont have, nor have I ever had VA insurance. This is not a billing issue as Ive tried to explain to them previously. This is fraud. I have several pieces of fraud related evidence from the authorities that Id be more than willing to share. I would appreciate some guidance from Franklin Collection Services Inc in how to remedy this ( remove this from my credit report ) so I can continue to rebuild my life. There must be internal company fraud forms? Surely Im not the very first person to have a fraudulent collection from this collection agency. Im fed up with this collection agency and am almost at the point of filing a formal complaint with the Mississippi Attorney Generals Office, and possibly retaining a lawyer to seek civil damages. This fraudulent collection has negatively affected me receiving financing two separate times. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I pulled all three of my credit reports and saw that there were multiple inquiries that I didn't authorize. XXXX, XXXX and TransUnion have these listed on my report. 

Lentegrity - XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - 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 2021-02-28 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I simply applied for a chase freedom unlimited card because I wanted to shop around and see what rate I would be given. I was approved and told my card would be mailed and I was given a 23.75 % interest rate. That is the highest rate possible, which is god awful. Anyway, I merely wanted to see my options and never would have sanctioned approval for a credit card with a terrible interest rate. They would have to cut that rate in half otherwise that is what I would do with the physical card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I received alerts and a letter dated XX/XX/2021 that a credit inquiry had been placed on my account regarding a denied request for a credit line increase from Best Buy Credit Services, XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. I did not solicit a credit line increase nor did I provide my information to such Credit Service provider in order to have an inquiry into my credit report. I called the company and was told that it must be an error and I would have to dispute it with the credit agencies for the inquiry to be deleted. 

I hereby solicit that the inquiry be removed for it was not authorized nor did permissible purpose exist in any way for my credit to be affected or revised.

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 2021-02-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I pulled all three of my credit reports and saw that there were multiple inquiries that I didn't authorize. Equifax, XX/XX/XXXX and XX/XX/XXXXhave these listed on my report. 

XXXX - XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I pulled all three of my credit reports and saw that there were multiple inquiries that I didn't authorize. XXXX, Experian and XXXX have these listed on my report. 

XXXX - XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXl - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - 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 2021-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Repeated calls about collecting a debt, but the debtor 's name they are trying to reach each time is different and the person receiving the calls is none of the people they are seeking, yet they continue to call asking for different people owing money. 

These calls are all identified as Portfolio Recovery on caller ID, but a different phone number is displayed during each call. Examples : XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
My mortgage company is not updating the three credit reporting agencies, XXXX, XXXX and XXXX about the status of my payments. Since XX/XX/XXXX, my credit report indicates " No info ''. However, I have made all of my mortgage payments on time and in full since XX/XX/XXXX, thru today. I have sent supporting documentation to the credit reporting agencies for proof. This information was passed along to my mortgage company.

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 2021-02-28 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: MD

Complaint narrative:
I have repeatedly told XXXX  & Experian that I do not nor have I ever lived at the address that they continue to report as mine. 
Ive gone a step further by certified mailing them an information update form AND a FULL COPY of my lease. 
They continually report me as living in Utah and it has caused major impacts in my credit.

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 2021-02-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I received alerts and a letter dated XX/XX/2021 that a credit inquiry had been placed on my account regarding a denied request for a credit line increase from XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. I did not solicit a credit line increase nor did I provide my information to such XXXX XXXX provider in order to have an inquiry into my credit report. I called the company and was told that it must be an error and I would have to dispute it with the credit agencies for the inquiry to be deleted. 

I hereby solicit that the inquiry be removed for it was not authorized nor did permissible purpose exist in any way for my credit to be affected or revised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received alerts and a letter dated XX/XX/2021 that a credit inquiry had been placed on my account regarding a denied request for a credit line increase from XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. I did not solicit a credit line increase nor did I provide my information to such XXXX XXXX provider in order to have an inquiry into my credit report. I called the company and was told that it must be an error and I would have to dispute it with the credit agencies for the inquiry to be deleted. 

I hereby solicit that the inquiry be removed for it was not authorized nor did permissible purpose exist in any way for my credit to be affected or revised.

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 2021-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Upon checking my credit report i noticed a debt collector trying to collect a debt that i have no knowledge of i have never signed a contract with them in person nor electronically neither any of there affiliates

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
NATIONAL CREDIT ADJUSTERS , L.L.C has placed a debt on my credit report that is not mine. I have disputed this account given I have never done business with them or their affiliates. I have had this account removed from my credit report and it has since been sold and replaced on my credit report as an active debt that was generated in XXXX. This account was originally from a company called " XXXX '' of which I have not done business with. I was notified by XXXX  that this account was sold in XXXX and listed as a collection account that was brand new. This has caused a XXXX  point drop in my FICO score. I have explained to XXXX in the past that in XXXX my wallet which contained my social security card was stolen and items started showing up on my credit there after. All of which have been removed but every so often the account gets sold to some new debt buyer and they change the dates and replace it as a new account that I authorized. I have never done business with 'XXXX  ' or NATIONAL CREDIT ADJUSTERS , L.L.C. This account is FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: MD

Complaint narrative:
I have repeatedly told equifax & XXXX  that I do not nor have I ever lived at the address that they continue to report as mine. 
Ive gone a step further by certified mailing them an information update form AND a FULL COPY of my lease. 
They continually report me as living in Utah and it has caused major impacts in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
I have openned a XXXX Paypal Account and received funds form our sales from XXXX website. email : XXXX XXXX NAME : XXXX XXXX Paypal receive these funds {$47000.00} USD and they are not allowing me to withdral my bank account from XXXX XXXX to this paypal account ( they are always showing same error message : there is an error, please contact support. ) Also they are asking me to create an ITIN number in order to let me move these funds to other paypal account. I have applied to an ITIN in USA IRS 5 months ago ( but so far didn't got my number ). 

So these funds are locked inside paypal. So this is not fair. If they are not allowing me to withdrawal these fund ( because I didn't have ITIN so far ) why they allowed these funds to be deposited in this account in first place? 

I have a bank account but I am not able to link this account at their system. So I would like to ask to receive these funds by a Wire Transfer or they allow me to transfer funds to a different paypal account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-28 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX has placed a debt on my credit report that is not mine. I have disputed this account given I have never done business with them or their affiliates. I have had this account removed from my credit report and it has since been sold and replaced on my credit report as an active debt that was generated in XXXX. This account was originally from a company called " Speedy '' of which I have not done business with. I was notified by XXXX  that this account was sold in XXXX and listed as a collection account that was brand new. This has caused a XXXX point drop in my FICO score. I have explained to XXXX in the past that in XXXX my wallet which contained my social security card was stolen and items started showing up on my credit there after. All of which have been removed but every so often the account gets sold to some new debt buyer and they change the dates and replace it as a new account that I authorized. I have never done business with 'Speedy ' or XXXX XXXX XXXX XXXX. This account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Company : Bank of America XXXX XXXX XXXX XXXX, FL XXXX Closure status Settle in Full Closure status Date : XX/XX/2016 ID theft I am reporting a incident that happened XX/XX/2016. At that time I was transitioning back to New Jersey, I got a call from the Bank of America that someone was trying to deposit a stolen check, via by cell from XXXX. Bank of America called me to inquire if I was in that location, I responded that I was in New Jersey. They informed that someone was trying to cash a stolen check on my account. I informed them to freeze the account because I was not the person cashing the check. The bank ask me a series of questions regarding my account I was informed at that time that an investigation will take place. I later received a letter stating that my account was closed. A couple of months later I tried to open a bank account in New Jersey and was denied.

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