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 — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX-XX/XX/2019 I requested a loan to purchase land on XX/XX/19. I knew i had good credit, good income, and over 40 percent of the downpayment ( more than necessary ).  However, on XX/XX/2019 i get a decline notice. I was told to please wait 24 hours to view my decline letter. On XX/XX/2019 I get my decline letter and it states four reasons, I immediately knew that some of the listed items were incorrect, such as not having enough income, But i went ahead and ordered my XXXX credit report, the same agency they used to obtain my information. After obtaining my credit report, i see that my credit scire has only improved, that there arent any collections like they say i have, and that my seven credit cards are almost ar zero balance with only my care payment if XXXX a month. My oldest credit goes back 18 years, and most accounts average 8 years which. Additionally, my only other bill is rent of XXXX a month. I am a XXXX XXXX who makes XXXX or more a years. So I emailed them back saying their reasons make no sense ( all four if them ), but they emailed me twice saying just open your decline letter I feel that if they want to decline then do so on other basis, but their basis for declining me are incorrect. Also I dont want my scored lowered from them if they dont want to get this letter to be accurate.

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: Portfolio Recovery Associates, LLC
State: GA

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: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have already filed a complaint on XX/XX/2019 under my name XXXX XXXX, however I forgot to provide my credit card number and I didnt know how to transfer my XXXX photos to my laptop, so please find my complaint and ad these photos an my c/c number to it. Id appreciate it. The complaint will match these photos. Thanks, XXXX XXXX. XXXX XXXX. My card number for Commenity Bank ( Victoria Secret ) is XXXX under XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Uptain Group, Inc.
State: WY

Complaint narrative:
I have never once received a phone call or a piece of mail stating that I owed anyone anything. I found out only years later by my credit report. I had Medicaid but later moved out of state. By the time I found out anything went wrong with billing it was already in collections and too late to fix and I didnt know you could dispute. I contacted my lawyer to make a settlement because I was also recently divorced with XXXX kids on my own and not usually receiving child support so I didnt have much money. He sent a letter on XX/XX/2018 and we have never heard anything back

Company public response: Company believes the complaint is the result of a misunderstanding
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: Resurgent Capital Services L.P.
State: GA

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: 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: NM

Complaint narrative:
In XXXX of XXXX, then XXXX XXXX  XXXX XXXX XXXX XXXX ( now XXXX ) repossessed a vehicle we financed through them after they cleaned out our bank accounts of one months income because of another issue we had with them. Since then the nasty employees at this institution have continued to intentionally falsify reports to the credit reporting agencies. It was immeadiately expunged by one of the agencies because they obviously saw the discrepencies in the reporting by this cu. I attempted to contact the credit union, of course to no avail, I filed a complaint with Experien, which went nowhere, Experien will no longer deal with me on this matter at all. I have the original letter from XXXX, dated XX/XX/XXXX, about the reposession, and a copy of their history file on Experien. As you can see, XXXX started reporting that the account was ok in XXXX of XXXX and then suddenly, in XXXX of XXXX, it was repossessed, over 4 years after the fact. XXXX did this intentionally so it would remain on my credit report longer. They are a vindictive lot!! Now ten years later, and I believe 7 years is the max for repos to be on my report, they are telling me it won't come off till XXXX because of how XXXX reported it. Any assistance in this matter would be greatly appreciated.

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: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management
State: NJ

Complaint narrative:
After requesting a copy of my credit report I found that Amerifinancial Solutions had placed a collection account on my credit report on XX/XX/XXXX. Previous to this I had not been contacted so I was never given the right to dispute the item. The amount is for {$350.00} for service that was rendered sometime in XXXX that had been previously disputed. I requested a copy of my credit report after I received an alert that my credit score had dropped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was contacted by CareCredit ( Synchrony Bank ) in regards to a debt that I owe on my Credit Card with them. After advising them that I was unemployed and working to get the debt taken care of, they started calling me from blocked/private numbers in order to get me to answer the phone. I was also called multiple times a day and left more than 1 voicemail on some occasions.

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: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc.
State: WA

Complaint narrative:
I am submitting proof evidence of XXXX orders and XXXX XXXX enlistment for XXXX XXXX. Santander illegally took my XXXX XXXX without court order. On XX/XX/XXXX while I was preparing for XXXX Santander took my XXXX XXXX without proper documents and never offer me assistance. I am sending you a copy so of my paperworks for you to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I went to court and I was never asked if I understood why I was there of if I understood the English language. I speak XXXX and I could not comprehend what went on during the court proceeding. The account related to the issue is as follows Account Name : MIDLAND FUNDING Account Number:XXXX Account Type : Debt Buyer Responsibility : Individual Date Opened:XXXX Status Collection account : {$1100.00} past due as of XX/XX/XXXX. 
Status Updated:XXXX Balance : {$1100.00} Balance Updated:XXXX Recent Payment : XXXX XXXX  Monthly Payment : {$0.00} Original Balance : {$1100.00} Highest Balance : {$0.00} Terms:1 Months On Record Until : XX/XX/XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello, The date I sent my money via Paypal is XX/XX/2019. I sent to the email address : XXXX. He was supposed to sell me a service as he promised but he never did. I tried to make him refund for me but he never replied and I have proof of every conversation we had.

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 Profit Recovery, Inc., Marlborough, MA Branch
State: GA

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 2019-09-21 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: Experian Information Solutions Inc.

Complaint narrative:
2 accounts which shows loan amount of XXXX each are not mine

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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX refuses to correct one of my addresses. It had one of my addresses wrong five times. I notified it that none were correct. They did not fix it. Instead, they deleted my address altogether and closed my dispute. I was told over the that they would correct it and they didnt. I wrote a letter and they refused to fix it. I called again and gave them the correct address and they added XXXX addresses that do not belong to me. They wont take my call. When I enter my social security number, Im told I have to submit another letter. Each time I applied for a loan, I am asked to provide my addresses and each time I am told that I have to give an explanation of all the wrong addresses or I am confronted about why I left one of those bad addresses out. I am made to feel like a liar. My credit score dropped. My first request was made over 90 days ago. 

XXXX  Report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
Westlake Financial Services is subprime auto lender which illegally harrasses customers. The minute your payment is late they repeatedly robocall from hundreds of different phone numbers. Couple months ago they called my cousin also my boss and credit reference and discussed my late payment without my permission. I expected bad service with my credit situation but this is beyond acceptable behavior. CFPB fhas already filled consent order for these practices but they continue to violate every right afforded by your agency.

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: CA

Complaint narrative:
Experian refuses to correct one of my addresses. It had one of my addresses wrong five times. I notified it that none were correct. They did not fix it. Instead, they deleted my address altogether and closed my dispute. I was told over the that they would correct it and they didnt. I wrote a letter and they refused to fix it. I called again and gave them the correct address and they added three addresses that do not belong to me. They wont take my call. When I enter my social security number, Im told I have to submit another letter. Each time I applied for a loan, I am asked to provide my addresses and each time I am told that I have to give an explanation of all the wrong addresses or I am confronted about why I left one of those bad addresses out. I am made to feel like a liar. My XXXX XXXX dropped. My first request was made over 90 days ago. 

Experian Report # 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: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX my SS is XXXX address XXXX XXXX XXXX XXXX OH XXXX. My 2 CAPTIAL ONE accounts were closed without any remedy or resolve and it cut off my life line in my business. I had a few of my employees and co-workers on my account as AUTHORIZED USERS, I originally asked to have all of them remove before my account was placed on permeate restriction status without remedy or resolve. My account is my financial responsibility and not the authorized users have zero responsibility Capital One is currently reporting negative information on all the previous Authorized users credit reports please delete/remove the following AU : XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX AUTHORIZED USER XXXXXXXX XXXX XXXX XXXX  ... XXXX AUTHORIZED USER

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

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 2019-09-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$11000.00}, {$740.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -CLOSED ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-COLLECTIONS- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$740.00} -This is not my account.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/2019 at XXXX XXXX. PDT, an unauthorized ATM card withdrawal from my checking account was conducted at the US Bank branch ATM in XXXX, California. I am a US citizen but one of my checking accounts is held at the XXXX XXXX XXXX in XXXX, XXXX, so the transactions are recorded in my bank records in XXXX  XXXX ( CNY ). The amount was debited was XXXX CNY   ( approximately {$300.00} USD, based on exchange rates as of XX/XX/2019 at XXXX XXXX. PDT ), along with a XXXX CNY   foreign transaction fee ( approximately {$4.00} USD ). Then, a second unauthorized ATM card transaction of XXXX CNY ( approximately {$810.00} ) USD ) was conducted at the same location on XX/XX/2019 at XXXX XXXX. PDT, along with a XXXX CNY foreign transaction fee ( approximately {$9.00} USD ). My card was not stolen, as it was in my wallet, which was in my possession over 6,200 miles away. I have tried to remedy this situation through US Bank, but they refused to help me. Per the XXXX  XXXX XXXX in XXXX, XXXX, I have dually notified the police but they have not found a solution to my case as of today.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$11000.00}, {$740.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -CLOSED ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-COLLECTIONS- 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$740.00} -This is not my account.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$11000.00}, {$740.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b )  -CLOSED ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-COLLECTIONS- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$740.00} -This is not my account.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

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 2019-09-21 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: NV

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