vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Had acct with amazon for 12 years, last money they charged my credit card for 2 items my son bought. I complained, no response, so told my credit card company. 

On XXXX they blocked my acct. I faxed them 4 times the info they wanted and I put {$130.00} into the acct that day I still can not access. I told them the credit card to take the money out of but still no response from them, it's been over a week.

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 2019-09-02 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-09-02 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: PNC Bank N.A.
State: PA

Complaint narrative:
A Visa card was opened without my knowledge by my ex-wife ending in # XXXX. I have asked PNC to just remove this reference from my credit report since in did not sign for this card, it is current and has never been delinquent. It has a high balance of $ XXXX and I believe it is adversely affecting my FICO score since it is almost at its credit limit. We have been divorced since XXXX ( proof available ) and my defense is PNC can not prove I ever signed for the card or had any knowledge it was open, all other creditors upon our divorce closed or removed the references from my credit report, here are the reason I think PNC should just remove the reference from all XXXX credit services, that is all I am asking. 

1 PNC can not prove I ever signed for this card 2 there is no record of me ever making a payment on this card 3 I have never received a card for this account, I have never made a charge or any transaction on this card, I have never received a statement from this card 4 the card can not be tied to my current address which I have been at since XXXX, they have absolutely no NOTHING to tie me to his card/account that my ex-wife opened without my knowledge, this card is also the only " joint '' credit showing on my current credit report 5 I had requested a copy of the signed credit application, they could not provide it stated they only retained it for 7yrs, again PNC can not prove in any way I was involving in opening this Visa card I just want the reference deleted from all 3 credit reports since the high revolving balance almost at the card credit limit is adversely affecting my credit / FICO score since I individually have < {$400.00} in revolving debt. PNC just states its not " our policy '' to remove references, but they can not in any way, shape or form prove I opened this account. Its obvious since I have had no activity as stated before with this Visa that it should remain on my credit report. 

Person most involved at PNC is XXXX XXXX, PNC Executive Client Relations, XXXX XXXX XXXX, XXXX, Pa XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland credit management sent a collection letter stating that a judgement had been entered against me when in fact there was no court hearing for a judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Good Morning, I contacting XXXX XXXX XXXX XXXX in regard to Bank debt and to make a payment via - my direct deposit through my job. I was told by XXXX or XXXX that my bank deposit would go through and I could make a payment on my account through my online account once the debt was validated which it never was. I have no access to online to make payments or verify if the debt was accurate. 



I also let the bank representative know that I believe they are trying to collect the wrong amount. 

Heres the issue : The bank never sent a letter stating the amount owed and what I needed to pay by what time to prevent the amount being reported to the credit bureau. 

When it is thought to be a collection a demand for payment letter must be sent out giving the person who may be responsible for the debt time to pay debt or to validate the amount of the debt. 

This company put this on my credit file without verifying the debt or sending a demand letter for the debt in question or contacting me in any way to say debt would be reported and the steps I needed to take as a consumer.

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 2019-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
This debt is already being settled with a debt relief program and the issue is a matter of the company setting

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 2019-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I see a credit check on my account from XXXX no idea who that is it says it was in XX/XX/XXXX or XX/XX/2019

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 2019-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
At the end of XXXX, the place where I'll been worked, close theirs doors after bankruptcy. I'll been looking desperate for a job with any sauced.I explained to the hospital my situation, they never told me that the hospital have a program for low or none people income qualification to pay off or portion of deb.Not to long ago I heard from someone else. It's sad that some people don't do their job in a proper way. 
XX/XX/XXXX, deb {$430.00}. 
XX/XX/XXXX, deb {$840.00}. 
I ask for Deletes To old Institution don't give me any help or orientation to help me with this debs.

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 2019-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
XXXX XXXX was sent to collections on XX/XX/2019. This account had already been added to my bankruptcy prior to that and since then has been discharged. I am repeatedly being called and receiving threats from SEQUIUM ASSET SOLUTIONS. XXXX XXXX was discharged a while back and should not be charging me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I unsuccessfully attempted to obtain a copy of my credit report online. I filled out the required information on the XXXX website. I clicked continue and then another page was displayed informing me that I would have to complete the identity verification process. I was asked to verify the information I had provided which consisted of Name, Date of Birth, Address, and the last four of my social security number ( See Page 1 ). After clicking " continue '' the next page stated " Unable to complete your request '' and " We are unable to confirm your identity ( See Page 2 ). I  was not asked any verification questions I was just sent directly to the page. I then called the phone number ( XXXX ) XXXX and wasted 15 minutes following the prompts before the automated system announced it would not be able to process my request. There was no option to speak with a representative. I will next attempt to mail in a request. My impression from this experience is that XXXX is structured to make the process of requesting a free credit report as difficult as possible. Considering that the three largest credit reporting companies operate this website I am not particularly surprised. They have met the letter of the law by providing this website however the website uses every method available to evade the spirit of the law by not actually providing the credit reports as mandated by federal law. In a final act of buffoonery the site then asks for my name and address to " help solve problems better '' ( See Page 3 )

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 2019-09-02 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: NY

Complaint narrative:
XXXX XXXX and Equifax are showing my credit score as XXXX, when it should be the same as XXXX  at XXXX. My personal info has been breached with Equifax and I have attached a copy of the claim. It appears to be a clerical error as my credit reports are identical with XXXX. The score with Equifax is erroneous without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 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: Transfinancial Companies, Inc
State: LA

Complaint narrative:
Upon pulling my credit reports I noticed that I have two accounts with Transfinancial Companies on my credit reports in the amounts of {$1100.00} and {$1200.00} reporting. I have disputed this information on several different occasions asking for validation of this debt as I think that there is an error in the companies reporting these debts. The company has failed to provide any validation of these debts under the FCRA regulations. I would like these accounts to be removed promptly as it is impacting my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
XXXX XX/XX/XXXX I am formally lodging a complaint against Sallie Mae now Navient with your bureau. I have been battling this company for nearly twelve ( 12 ) years. I informed Sallie Mae in XXXX of XXXX, that I neither applied, approve, authorized nor co-signed for any loan or loans for XXXX XXXX. Whenever, I considered the average semester student cost ( XXXX University ) of nearly {$1600.00} for XXXX ( who lived at home ), I can't justify why any financial institution would ever approve reference # XXXX for any of the numerous loans of # XXXX for {$1800.00} ; {$8400.00} ; {$6500.00} and {$18000.00} respectfully? Furthermore, at no time did Sallie Mae contact me directly to verify, before executing any of these loans. 

In addition, I have obtained copies of these loans over the years and there is no actual or physical signature on any of the loan, neither mines nor XXXX XXXX, just a computered or typed in signature. Over the years, I personally have not made any monthly payment on any of these unrealistic loans. 

Since the sale of or just name change to Navient, I have stated my position as previously declared to Sallie Mae. Currently, they have declared the loans are in default and up for litigation or settlement with a reference to a IRS 1099-C. The settlement offer of {$10000.00}, would allow me as co-signer to be waived for the loans. Frankly, if I could afford it, I would not pay for any of these loans that were never authorized or approved. Furthermore, had Sallie Mae performed its ' due diligence these loans would have never been executed. 


Thank you in advance for your assistance concerning this matter. Yes I be will fighting this to the bitter end and am accepting any help or suggestions concerning this matter. 

Cordially, Ms. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 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:
I had identity theft and there are a few inquiries that need to come off my reports asap XX/XX/XXXX - Capital One XX/XX/XXXX - Capital One XX/XX/XXXX - Capital One XX/XX/XXXX - Capital One XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX   XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 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: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
I had identity theft and there are a few inquiries that need to come off my reports asap XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX   XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - Gm Financial XX/XX/XXXX - GM financial

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I received an email alert from XXXX XXXX that XXXX had reported a hard inquiry had taken place into my credit on XX/XX/2019 by SYNCB/Paypal. I did NOT authorize, request, or give permission for any inquiry into my credit. This has been done without authorization and I am afraid is a sign of fraudulent activity. While no unrecognized accounts or charges have appeared on my account to date, I am afraid this inquiry is a step in the process to open a fraudulent account in my name. 

I requested a free credit report online from XXXX which does in fact show the hard inquiry did take place on XXXX XXXX, 2019. The XXXX  report shows that the company ( Syncb/Paypal ) submitting the request supplied an incorrect address for me but they allowed the credit inquiry anyway. I attempted to dispute this fact on my report directly with XXXX. I have tried multiple times to use their online disputing tool, but it does not seem to be working properly and would not let me create an account to dispute. 

After researching online, I have discovered that this problem ( hard credit inquiries by Syncb/Paypal ) is quite a common event and many people have previously filed complaints. These inquiries should be blocked.

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 2019-09-02 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: DISCOVER BANK
State: OH

Complaint narrative:
XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - Discover Bank XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - 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 XXXX Fraud Inquiries. They won't remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-02 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: OH

Complaint narrative:
XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX  XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - Jpmcb Card Service XX/XX/XXXX - XXXX XXXX   XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - Jpmcb Card Service XX/XX/XXXX - Jpmcb Card Service XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX Fraud Inquiries. They won't remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-02 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: PR

Complaint narrative:
This complaint is against EXPERIAN LLC. After numerous disputes with foundation, experian llc. has refused to comply lawfully. I have disputed these two accounts separately, ( XX/XX/XXXX ) ( XX/XX/XXXX ) unsucessfully. These accounts are with XXXX XXXX XXXX. # XXXX # XXXX. These accounts are reporting with different addresses and names as well.My disputes have been that XXXX have been reporting inaccurately, therefore should be deleted from file.They have been reporting to an address that was deleted on XX/XX/XXXX.with report # XXXX, but yet continue sending billing statements to the address, also reporting erroneous names with it. My real name is ( XXXX XXXX XXXX ) I have disputed with experian on numerous occasions, since XXXX. The most recent with certified mail # XXXX XXXX XXXX XXXX XXXX / and # XXXX XXXX XXXX XXXX XXXX.I have sent experian with vast proof with copies of birth certificate, social security, erroneous billing statements, current address , but yet EXPERIAN LLC, does not take the appropiate measures pertaining to law, which clearly states that if an item is not verifiable, it must be deleted.I have also disputed with collection agency ( XXXX ) and they failed to validate debt, with certified mail # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. Also, i have sent experian a document from XXXX dated XXXX, showing deletions for these same accounts.The law is very clear, as to remedies for these type of violations. Accounts posted on credit file and disputed by consumers, should carefully be revised to ensure that no repercussions are suffered, otherwise anyone paying for reporting services could fax or mail-in a fraudulent account..I have suffered several inquiries, on my report, and this has hurt my ability to obtain 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 explanation