vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-25 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: GA

Complaint narrative:
I am a victim of identity theft. I have submitted the proper documents to Transunion credit reporting agency to have fraudulent items block as required by Fair Credit Reporting Act 605B. I submitted identity theft report on XX/XX/2019. However, the following accounts have not been blocked from my credit file. Section 605B of the Fair Credit Reporting Act gives consumers the right to have information block from there credit file as it pertains to Fraud if identity theft report is provided to credit reporting agencies within 4 days after receiving the identity theft report. Transunion has not blocked the following account from my credit file. It has been over two months since I sent Transunion identity theft report requesting to have the following items blocked from my credit file. I have attached a copy of identity theft report submitted to Transunion on XX/XX/2019, along with copy of the Fair Credit Reporting Act section 605B. I am reaching out to CFPB to assist me in getting this matter resolve. Transunion has violated my legal right to have information removed from my credit file pertaining to Fraud under the Fair Credit Reporting Act.

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 2019-08-25 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Fraudulent account reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: CA

Complaint narrative:
First of all, discrimination. Loan was under XXXX XXXX, and that has been dissolved and discharged by the SSA under total an permanent disability. 

Secondly, Discover is now trying to collect amount under XXXX XXXX XXXX, which never obtained this loan, thus Discover is involved in gender discrimination. 

Now, they way there is a XXXX  balance, and keeping about {$1000.00} that was incorrectly collected and discover is keeping as loan under XXXX XXXX was indeed discharged under total and permanent disability by the SSA. 

Now, discover is being evasive and not reporting credit truthfully and that the account has been discharged under XXXX XXXX, and moreover, discriminating against XXXX XXXX XXXX, as there is NO loan by her under this entity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-25 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I have asked this place to remove the account info from my credit. LVNV XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX They will not remove this and it has been paid in FULL

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/2019 I mailed XXXX XXXX XXXX / XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX a debt payment plan contract offering to pay {$25.00} per month until my debt is paid. XXXX XXXX accepted the terms of my contract by cashing my post-dated check. XXXX XXXX is reporting that my account ( s ) is delinquent on my credit report. XXXX XXXX   cashed my post-dated checks early. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX ( XXXX ) XXXX XXXX Mastercard / XXXX  Acct # ending in XXXX XXXX Mastercard / XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XX/XX/2019 According to my XXXX account online records, I owe {$6000.00}. I am not disputing this debt but, my financial situation does not allow me to pay off the debt using the minimum payments that you're demanding. 

I agree that I am able to pay {$25.00} ( XXXX dollars ) on  the XXXX of every month starting XX/XX/2019 until the debt is paid off. I would appreciate a confirmation letter from you documenting your acceptance of my payment terms. However, if I do not hear from you, I will consider your cashing or depositing my check as confirmation that you accept my payment terms. My rights are protected under the law and refusal to accept my payment terms will void/cancel the debt. If my payment terms are rejected I expect the payment to be returned to me immediately in the enclosed self-addressed stamped envelope. 

*** A COPY OF THIS DOCUMENT WILL BE PROVIDED TO XXXX, TRANSUNION, XXXX  & THE FEDERAL TRADE COMMISSION. ***

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 2019-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
On XX/XX/2019 I mailed Synchrony Bank Amazon / Synchrony Bank WalMart / Synchrony Bank Chevron a debt payment plan contract offering to pay {$25.00} per month until my debt is paid. Synchrony bank accepted the terms of my contract by cashing my post-dated check. Synchrony Bank is reporting that my account ( s ) is delinquent on my credit report. Synchrony Bank cashed my post-dated checks early. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX ( XXXX ) XXXX WalMart Mastercard / SYNCB Acct # ending in XXXX WalMart Mastercard / SYNCB XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XX/XX/2019 According to my XXXX account online records, I owe {$6000.00}. I am not disputing this debt but, my financial situation does not allow me to pay off the debt using the minimum payments that you're demanding. 

I agree that I am able to pay {$25.00} ( XXXX dollars ) on  the XXXX of every month starting XX/XX/2019 until the debt is paid off. I would appreciate a confirmation letter from you documenting your acceptance of my payment terms. However, if I do not hear from you, I will consider your cashing or depositing my check as confirmation that you accept my payment terms. My rights are protected under the law and refusal to accept my payment terms will void/cancel the debt. If my payment terms are rejected I expect the payment to be returned to me immediately in the enclosed self-addressed stamped envelope. 

XXXX A COPY OF THIS DOCUMENT WILL BE PROVIDED TO XXXX, XXXX, XXXX & THE FEDERAL TRADE COMMISSION. ***

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 2019-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
I received a mailer with a unique code to apply for a HSBC checking account in XX/XX/2019, with an offer for {$350.00} bonus if bringing in {$10000.00} new money in the bank account. I immediately transfer the money in and wait almost 6 months ( since the promotion said bonus will be posted 6-8 weeks after 90 days ). After 5 months I contacted customer service to see what's happening and they said they will open a case to see why it's not posted. Noone contacts me and 1-2 weeks later I called them again, they said my account is disqualified because of 2 reasons. The 1st reason is i have had a relationship with them before in the last 3 years ( and when I asked them what relationship, they couldnt identify or tell me anything about it ). There is no location near me so I couldnt have had one with them, and they couldnt find it in their system to give me more info. The 2nd reason is that they didnt find an offer attached to my account when it was opened. This is ridiculous since it has a unique code send to me, and when I clicked apply, the offer was successfully applied.

I feel like HSBC is de-frauding me and not giving me the bonus as advertised, and the reasons they give me for denying me the bonus is bogus and there is noway I can prove anything or disprove anything with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have asked this place to remove the account info from my credit. XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX They will not remove this and it has been paid in FULL

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 2019-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
On XX/XX/2019, I was checking my credit reports and noticed that Credence Resource Management had submitted an account with my name attached to three ( 3 ) credit files, XXXX, XXXX, and XXXX. This company never sent me a request to validate the debt. This company violated my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/2019 I mailed XXXX XXXX XXXX / XXXX XXXX XXXX, and XXXX XXXX XXXX a debt re-payment contract agreeing to pay {$25.00} per month starting XX/XX/2019 until my debt is paid. XXXX XXXX agreed by cashing my post-dated check. XXXX XXXX is reporting that my account ( s )  are delinquent/charged off. XXXX XXXX cashed my post-dated check ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/2019 I mailed XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX a debt re-payment contract agreeing to pay {$25.00} per month starting XX/XX/2019 until my debt is paid. XXXX XXXX agreed by cashing my post-dated check. XXXX XXXX is reporting that my account ( s )  are delinquent/charged off. XXXX XXXX cashed my post-dated check ( s ).

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 2019-08-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
They responded to me twice through email and claimed my previous employer from XXXX accessed my retirement account and withdrew exactly {$430.00} on XX/XX/XXXX between XXXX-XXXX. But I still have 2 of the emails, and maybe 15 text messages they sent me because I couldn't log in to my accoumt because they were updated ing their systems. When I finally got back onto my retirement account with WELLS FARGO BANK. My money was gone, and my account was unavailable. I can't even log into the website anymore because of whatever they did. This all happened XX/XX/XXXX. I put the XXXX early.

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 2019-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-08-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
OPPLoans set up a loan account fraudulently set up by someone using my name online and my information. I didn't realize it was being deducted from my account as it is close to the payment that I pay for another loan. I've tried to contact the company for resolve but can not. it is therefore negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have sent 3 dispute letters to Experian. One on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are violating my rights by refusing to dispute the negative accounts on my report. The other 2 bureaus have removed stuff because it could not be validated but Experian is saying they are all validated. But according to the Fair Credit Reporting Act for the accounts to be validated they have to be able to provide a signed contract or video of me signing a contract for them to be able to report an account. These negative accounts have not been able to provide such evidence therefore again violating my right per the FTCA. Per the FTCA Experian could be fined {$1000.00} per violation should I choose to take them to court. I am trying to avoid a court proceeding by working with the CFPB and Experian to fix the problems on my Credit 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 explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-08-25 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:
XXXX/XXXX opened up a fraudulent account in my name. My information was used and i didn't realize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX/XXXX opened up a fraudulent account in my name. My information was used and i didn't realize this.

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 2019-08-25 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: FL

Complaint narrative:
XXXX/XXXX opened up a fraudulent account in my name. My information was used and i didn't realize this.

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 2019-08-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: AZ

Complaint narrative:
Conns appliances is filing a judgment against me. This debt is reporting on credit as opened in XX/XX/2015and that is false. This debt was opened 10+years ago. I had made a settlement agreement after there own employee lied of the terms of contract. I did not make the last payment as Conns would not provide written proof of settlement agreement. If you request communication records you will see how many times I tried to call and resolve this and how many people I bounced around with to try and get an answer. This was a {$3000.00} purchase I have paid double that amount and now they are starting balance is still over {$2900.00}. Even though technically in settlement I only owed about {$800.00}. They are changing dates to extended statue of limitation. They are now using a law firm by the name of  XXXX law firm for judgment. They have records of how many times I paid and tried to resolve this and never worked with me. I offered to return TV and they lied and said that was not an option. I have had nothing but trouble trying to resolve this. And again records and dates are being changed. I will be working with my bank to get statement copies of every time I paid them. But cons needs to have payment history and the date this account was actually opened. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: CA

Complaint narrative:
I am XXXX XXXX XXXX and XXXX XXXX veteran due to service connection. I can not get relief from AES for my private student loans, not only that but I had to lose credit for the entire semester of school because I enlisted in XXXX XXXX for the XXXX and did not get a refund from the school in the spring of XXXX due to my ship out date being before the end of school. They call me countless times and the stress from those calls is extremely burdensome and makes my XXXX worse every day. My federal loans through them were relieved ( XXXX ) years after my XXXX and XXXX XXXX became effective ( XXXX ) because I was not notified that I was eligible to do that. The calls every day, multiple times, and calling my parents who I do not live with that were co-signers over a decade ago all affect my mental health negatively. Its repeated multiple times a day and then they call the co-signers causing them to call and harass me because they threaten them with credit reporting. 

AMERICAN EDUCATION SERVICES does not care that I was XXXX due to my military service, they just want to harass me to pay them daily. Its bad enough that I lost freedom and the ability to live active due to my service but this company calls daily and threatens and harassed me affecting my XXXX. They dont care about US service members.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I had a debt collection with Miland funding and I didnt pay it on time so my account was handed to XXXX XXXX XXXX. I paid my debt in full with XXXX XXXX  XXXX in XX/XX/2019. 
Both ends were clear, now midland funding is saying that I owe money but when I call them, in their system it says that Im clear BUT that they need to keep the amount debt there until they get a paper from XXXX XXXX XXXX that it has been paid off. 
XXXX has sent both, myself and miland a paper saying its been resolved but miland funding isnt not clearing the issue which is ruining my credit. I have talked to the company 3 times and nothing has been resolved.

Company response to consumer: Closed with non-monetary relief