vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Hello Rep ; I was shocked when I reviewed my credit report and found that you're reporting a collection on my credit from an account that i never owned. I actually had sent an IdentityTheft affidavit in regards to this to the original creditor and it was removed. How come are you still reporting this now? It was originally from SYNCB/OLDNAVYDC, and i sent all the required paperwork that they had asked me. Please remove this collection from my credit once and for all. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2020-08-01 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: VA

Complaint narrative:
On XX/XX/2020, a hard inquiry was made on my credit report by the US Small Business Administration Office of Disaster Assistance. I did not, nor have I ever had contact with the US Small Business Administration regarding a loan or for any other purpose. I have not received an explanation when I contact a representative with the 800 number listed on my credit report with this inquiry.

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 2020-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Utah System of Higher Education
State: GA

Complaint narrative:
I am a military XXXX  veteran and my students are to hard to pay down due to me not being able to get active employment because of my XXXX from the service. I tried to work out a plan with my student loans and tried student forgiveness but nothing happen. I am in a hardship with student loans and if we can come to terms on an agreement to help lessen the impact it would help in my hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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:
Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX/JXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is 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 2020-08-01 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: PA

Complaint narrative:
There are inaccurate accounts 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 2020-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: AL

Complaint narrative:
I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
I disputed this account and they had closed it already so I asked for proof of documents they still have not sent proof of documents they keep calling and harassing me after I told him several times not to contact me to send the documents that I dont needed to provide for proof of the debt that is owed when they close the account already

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received an email on XX/XX/XXXX that my temporary forbearance was ending to make my XXXX payments and the 3 months would be added to the end of my loan to show it current. I did that they have still not shown me out of forbearance and I need to refinance I work for a major airline and will have to take a pay cut in XXXX. I have spent hours and hours and even gone to a branch and they tell me its being taken care of and its still not. Im afraid to make against payment work it still showing me in forbearance. I need them to show the 3 missed payments at the end of my loan so I can refinance which I currently am on the process. I feel they are doing this so we cant refinance and we are stuck. I have had a mortgage with them for over 20 years and Im in dire stress to get this done due to my pay cut I in XXXX to keep my job with an airline for over 23 years. Please help

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 2020-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Home Loan Center, Inc.
State: FL

Complaint narrative:
I attempted to add a second payment account & was told XXXX would not add.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
Accent Ending : XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, KS XXXX Phone : XXXX SSN : XXXX I disputed a transaction for XXXX {$180.00} which posted on XX/XX/20. My travel plans had to be cancelled due to Covid travel restrictions which should have resulted in a full refund according to the XXXX website refund information. When only a partial refund of {$83.00} was issued, I contacted my credit card company, Citi Cards, to begin the transaction dispute process regarding the additional {$100.00}. 

Citi Card began an investigation and on XX/XX/20 I received an electronic document indicating that Citi had been in correspondence with XXXX which resulted in them confirming that I was due an additional refund of {$100.00}, for which they had already begun to refund process. Citi stated 'If the new credit is not posted, we will reopen the investigation and continue working on your behalf to resolve the issue '. 

On XX/XX/20, after receiving no additional credit from XXXX and no additional information from Citi Card regarding their monitoring of the account or situation, I contacted them to inquire about the status of my dispute. I explained the correspondence I received and the commitment Citi had made to proactively monitor the account for the credit XXXX had confirmed with THEM was still due for the account. The agent was polite and kind and asked that I give it a little more time for them to work on it. 

Now I have received an electronic document XX/XX/20 that states the dispute was found 'not in my favor ' due to my correspondence being received after the requested response date. However, I do not see where anything was requested which was not provided. 

It is my opinion that I received this generic decline letter due to a lack of investigation regarding my case and a failure in due diligence to monitor my account as was promised in the XXXX correspondence. 

When I called in XXXX it was not to open a new dispute but rather to follow up on a dispute which was not being attended to by the credit card issuer. Additionally, the fact that I am only now receiving a notice of resolution indicates that my case was not resolved within the predetermined guidelines for billing disputes. 

I have been and continue to be, an exceptional customer. That being said, I expect exceptional service and have not until now had reason to feel that I was getting less than that from Citibank. I am requesting that this matter be re-reviewed and the {$100.00} credit be issued by Citi due to the company failing to follow up with the credit from XXXX. 

Sincerely, 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 monetary relief
Consumer complaint received 2020-08-01 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:
Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX 


My correct address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is 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 2020-08-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Americas Car-Mart, Inc.
State: AL

Complaint narrative:
This company is reporting an alleged debt that is past the statute of limitations for my state of alabama. I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: TX

Complaint narrative:
According to the Federal Credit Reporting Act, Experian is requited to only list factual information. Any information that is not factual must com off your credit report. Experian list the following unfactual information. 

XXXX XXXX XXXX- Status date is incorrect. Late payments is incorrect. Please remove XXXX XXXX-Status date is incorrect. Please remove XXXX-Payment history is incorrect. you can not have two 120 days past due consecutively in a row XXXX  XXXX XXXX ( 4 tradelines ) -You can not have a 120 day late payment 10 months in a row. Please remove. 
Office of the Atty Gen-I have never been late and my balance is XXXX Dollars. Please remove. 
XXXX XXXX Past due amount is incorrect, late payments is incorrect and original loan amount is wrong/ XXXX XXXX-Never had an account with them, have a signed contract and never did business with this company. Please remove. 

I request for every item that you provide me the information that you receive in order to verify that you have indeed look at the information given to you and this is is correct.

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 2020-08-01 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: DE

Complaint narrative:
I co-sign my daughter for the rental of her apartment for one year XXXX to XXXX, I told the company XXXX XXXXXXXX that I would not be extending her leases beyond the one year. I gave them a letter to that fact. My daughter renegotiate with XXXX XXXX  to stay for how long I dont know. As of XXXX & XX/XX/XXXX, She did not pay her rent, and because of that it affected my credit scores for the have a {$5000.00} debt in collection. I did not co-sign for my daughter pass the one year period. Please have Experian remove this from 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 2020-08-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: NY

Complaint narrative:
Three problems : ( 1 ) The company has repeatedly threatened to inform credit agencies of my delinquency. Although this is stated in their policies, ... 

( 2 ) ... They demand more than 50 % of income is paid per month towards my student loan debt. I consistently request with phone calls and in-account secure messages to accomodate my income and adjust my payments to at most 40 % of my income ( I request approximately 400-500 USD per month at maximum and this is roughly that ). I also had requested deferment because of the coronavirus a few months ago in XXXX 2020, but they had rejected my request - even though they have a coronavirus relief program - because I was in delinquency. They consistently give me only short-term solutions for a few months at a time, but the payments then are raised even further because of interest after the short-term help is finished, despite the fact that my income hasn't improved. 

( 3 ) I requested a student deferment and they rejected my application stating that my university isn't accredited. I gave them the webpage profile on the Department of Education website verifying that my university is accredited. And now I must pay back the almost 800 USD in student loan debt per month in addition to my roughly 200 USD per month for my course assessments in my XXXX   program? ( I'm a XXXX. ) It's not that I don't pay anything. I often pay back as much as I am capable every month so I don't starve or can't pay for basic necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
I purchased a Bluebird prepaid card by American Express at XXXX the beginning of XXXX. I became concerned when I received five different cards and two to my email associated with my old account which they closed that had nothing to do with my original purchase. Called bluebird and they said I had to have opened all those accounts online. I told them I purchased at XXXX. I have still not received my permanent card, I have called five times, they have since sent out three new cards, tried to charge me for a replacement card, and I have not received one yet. I have money I placed on this card and can not use it. I also ask for corporate address and the information they gave me was all false. I have tried to file with the XXXX, but they need an address. This has been a nightmare. I also had a Bluebird when it first came out and they closed this account. I hope you can help me. Also along time ago I had American Express business gold card. This is very disappointing. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-01 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:
Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, XXXX, XXXXXXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX  on my Acct # XXXX is fraud. XXXX XXXX, XXXX, XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is ( 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