vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I called the company they said they had 5 accounts under my name so I gave them my social security number and they said they couldn't find it in there so how did someone open up a account in my name but no ssn it's out of XXXX Florida I don't ever go there ... I need help resolveinv this please

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 2018-11-03 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: NY

Complaint narrative:
Company refuses to remove name that isn't mine and employers that I don't recognize as well as unverified accounts that I have no idea what they are

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: CA

Complaint narrative:
XX/XX/2018 A collection was populated on my credit report. 
I saw that this collection was removed last year this is actually the 3rd time this company has reinsterted a collection that was removed. 
They reinsert is by changing balance, original creditor and account numbers. 

I called XXXX XX/XX/XXXX regarding this matter. 
The agent claimed that they do not reinsert debts. 

I can clearly prove to you that they have indeed reinserted this not only once but this is the third time. attached you will see former credit reports. that show this account. 

Which they already know that this was my dads, and he had passed away. 
XXXX and their other Company XXXX is very well aware of this situation. 

I have submitted everything in the past I have also other certified letters from the original creditor the hospital that say that they have no record of XXXX XXXX that is writing this. 

I submitted a dispute with experian I also have a membership. 
I tried to dispute using my log in. It tells me to call. 
Somehow when I call Experian I am somehow rerouted in every way and hung up on. 

Please tell me is this intentional? Why do you all keep changing the account numbers balances and original creditor? If it was not intentiontional please remove. I understand you all are a business but I am a real person that actually has a dad that past away with the same name. 
Also this company you claim is original creditor has a website http : XXXX which is very strange because in my last complaint they had another website https : XXXX you will see the hospitals in attached. 

I believe this company is fraudulently pretending to be hospitals in order to allow consumers and credit reporting agencies to believe that they are authentic and valid original creditors. This is Fraud. 
I'm pretty sure XXXX does not know this but I am now totifying you. 

Wherever you are buying up this data is selling fraudulent information, Please see the attached. 
Last complaint with CFPB old credit report showing where this debt was reporting on credit report. 

My claim of it being re-inserted Showing what the original creditor said The collection agency saying they will remove it. 
Now collection company 's other name putting it back on Also The original creditor somehow has 2 different websites with different names.

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 2018-11-03 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX is illegally reporting the following accounts on my credit report : Account # XXXX ... XXXX Account # XXXX ... XXXX Account # XXXX ... XXXX I have disputed these accounts several times requesting XXXX XXXX to provide physical verification in XXXX, XXXX, & XX/XX/2018. Per my rights, I requested a copy of the original contract with my signature that says I agreed to pay for this debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report within 30 days. XXXX XXXX  refuses to provide me a copy of a legal agreement/contract with my signature ; therefore, they must REMOVE all 3 accounts from my credit report. 

XXXX XXXX has responded by sending me generic system-generated letters from their computer system with the codes XXXX & XXXX. They refuse to do a proper investigation and continue to ignore my request of providing me with a copy of the original contract with my signature. The generic pre-written letters are not sufficient in verifying debt. I have attached copies of the system-generated letters I received from XXXX XXXX. The law states you must provide a copy of the legal contract with my signature. XXXX XXXX   continues to violate my rights according to the FCRA. 

XXXX XXXX sent me letters stating to contact the debt collection agencies instead. Listed below are the actions I have taken regarding the referenced accounts : Account # XXXX ... XXXX was charged off and sold to XXXX XXXX XXXX, XXXX. I contacted XXXX XXXX and asked for verification. They could not provide me with verification and responded by letter they will be deleting the collection from my report. I have attached the letter from XXXX XXXX for your review. 

Account # XXXX ... XXXX was charged off and sold to XXXX XXXX XXXX XXXX. 
I disputed XXXX XXXX XXXX and requested verification. The collection was deleted from my credit report because they were not able to provide verification of debt. 

Account # XXXX ... XXXX was charged off and sold to XXXX XXXX, XXXX. I contacted XXXX XXXX and requested verification of debt. They have not provided me with a copy of the original contract with my signature. 

XXXX XXXX is the original creditor. They continue to report derogatory account information on my credit report illegally without providing me verification of debt according to my rights under the FCRA.

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 2018-11-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: First Associates Loan Servicing LLC
State: IN

Complaint narrative:
I have a personal loan through XXXX XXXX. I called them on XX/XX/XXXX to get an address to send a check to payoff the account. On XX/XX/XXXX I sent the check XXXX to the address I was given over the phone. On XX/XX/XXXX it came to my attention that the loan balance had not been paid off. I contacted XX/XX/XXXX who told me that the address I sent it to was an old service provider. I was told to contact First Associates to see if they had received my check. I called and was told that they hadn't received the check. I then contacted the bank that wrote the check and received a copy of the canceled check with First Associates bank information on it dated XX/XX/XXXX. I called Loan Depot back and asked them to contact First Associates to get their funds ; I also faxed them a copy of the canceled check. On XX/XX/XXXX, XXXX  from XXXX XXXX called and told me that First Associates would not return their calls. I called First Associates again. I asked to speak with the president, XXXX XXXX, or the manager, XXXX XXXX but was denied that request. I first spoke with XXXX who repeatedly transferred my call to XXXX XXXX. Through conversations with XXXX, XXXX, and supervisor XXXX XXXX, we received several different stories of what had happened to the check. They mailed it back to the bank before they cashed it. Sometimes they cash it first. And finally they put a stop payment in and were mailing a new check. However with each story we were denied any documentation or check numbers to support the claim. Each call to resolve the issue I seem to just receive the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: CA

Complaint narrative:
I recently became aware of my credit file has previously been used to acquire credit from several companies that I did not authorized nor apply for. I am taking all suggested actions to protect my name and my credit to clear up these accounts from my credit file and protect myself now and in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Federated Mortgage Corp.
State: VA

Complaint narrative:
1 ) The communication with Federated Mortgage began as early as late XX/XX/2018 and is ongoing. 
2 ) We have exchanged in excess of 100 emails, facsimiles, statements, lease contracts, tax returns, XXXX, status requests, and confirmations of progress.

3 ) I have already paid {$550.00} in good faith for an appraisal on one of the homes under consideration. 
4 ) During the span of time indicated between XX/XX/2018 and XX/XX/2018, Federated has made repeated requests for the same documents with huge gaps in time lapsed in response. The entire process has been vague specifically with regard to the cause of delay which has subsequently triggered further delays.

5 ) I have expressed my ongoing concern about how the initial rate expressed would be impacted by the long process and received assurance that protection would be provided in the form of extensions.

6 ) Over the most recent month, Federated conveyed and introduced origination points that if not paid would cause the initial rates to be increased.

7 ) The process to refinance an existing investment property while leveraging a fully paid principal residence remains outstanding.

8 ) In conclusion, I have made an effort from the onset to be transparent with my intents to preserve both properties, comply with each request for documentation, only to find no closure in completing the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: TX

Complaint narrative:
Account is not mine, Identity theft/fraud alert. Amount is {$26000.00}.

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 2018-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
My credit report shows a ffel consolidated loan..done online XX/XX/XXXX..student database shows it. But I did not initiate this..my original loan done back in XX/XX/XXXX..and made 4.5 years of payments..does not show up..on student database ..nor does any of my payment history..this has been very frustrating ... and wrecked my credit including IRS deferment of 2 years refunds..

I am trying to discover the actual lender..student database shows Chase..Chase said it purchased loan from you ... I need the computer location address..and any other information from original application..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: CA

Complaint narrative:
I recently became aware of my credit file has previously been used to acquire credit from several companies that I did not authorized nor apply for. I am taking all suggested actions to protect my name and my credit to clear up these accounts from my credit file and protect myself now and in the future.

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 2018-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BB&T CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX, applied for an auto loan but not with BB & T with XXXX XXXX XXXX ; however, I received a denial from BB & T that my credit score is XXXX ( correct ) and that : I have Serious Delinquency and Derogatory Public Record or Collection - not true. The only collection is an old medical bill that has been disputed several times and removed from Transunion. 

Proportion of Loan Balances to Loan Amount is Too High -  this is a bald-faced lie! ( See attached ).

Excessive Loan to Collateral Value - this is a bald faced lie. The car I thought I had purchased is a XXXX XXXX XXXX with only XXXX miles at a XXXX XXXX Book Value of {$22000.00}. This car was sold for {$18000.00} with a XXXX XXXX XXXX trade-in with a value of {$6000.00}. 

Excessive Obligations in Relation to Income - another bald-faced lie! ( See attached ). 
All my student loans are in forbearance and the bulk of them are on IBR with a $ 0 monthly payment. 

I have always had a problem with this bank even for opening a simple checking account. 

This consumer is requesting a fair assessment of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Unverified information I sent two letters to verify my information and they cant I want them to delete everything from my credit report if they cant verify

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
GM Financial with the amount {$72000.00} does not belong to me, identity theft issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: NM

Complaint narrative:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank offered us a bonus of {$400.00} for opening checking and savings accounts and keeping a combined total of {$15000.00} in them for 60 days. The bonus was supposed to be paid within 90 days of our fulfilling the terms of the offer. 

We opened both accounts on XX/XX/18 ; therefore, we fulfilled the terms of the offer on XX/XX/18. The bonus, then, was supposed to be paid into our account by XX/XX/18. As of today, it hasn't been. 

We have notified the bank repeatedly that we have not been credited the bonus, including a letter to the Executive Response Unit. We have not heard anything from Citibank to this point, and the bonus still hasn't been credited.

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 2018-11-03 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: OH

Complaint narrative:
I disputed with Equifax because a company did not report monthly to update my account balance. I received my updated credit dispute results dated XX/XX/18 indicating there is still a balance on the stated account. I contacted the company to let them know that for some strange reason they continue to report the balance despite my screen shot of the account demonstrating a {$0.00} balance, and documented payment ( hoping for their cooperation in accurate reporting ). I'm waiting to hear back from them, but they already said to dispute, which I already did. In XXXX, my Equifax showed a {$0.00} balance so I thought the dispute was resolved by then but somehow on XX/XX/18 the dispute was finalized and updated with a balance of over {$530.00}. I have multiple forms of documentation indicating a XXXX balance, yet Equifax continues to report a balance. Further, XXXX XXXX took my documentation and reflected the balance to be XXXX which is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: NM

Complaint narrative:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-11-03 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Again, on XX/XX/2018 XXXX XXXX XXXX submitted my credit application to Wells Fargo Dealer Services where I just received the denial letter. The denial letter is bogus because it states : Excessive Inquiries in credit file - SO WHAT THIS HAPPENS WHEN A CONSUMER IS SHOPPING FOR AN AUTO. 

Number of Collections or Public Records - THERE IS NO COLLECTIONS OTHER THAN AN OLD MEDICAL BILL THAT HAS BEEN DISPUTED SEVERAL TIMES FOR UNAUTHORIZED SERVICES AND DELETED BY XXXX. THERE WAS ONE OTHER ONE FOR {$370.00} THAT HAS BEEN PAID BY MEDICAL. Just a flimsy excuse. 

Excessive Revolving Debt Utilization - NOT TRUE. ALL IS PAID IN FULL OR WILL BE PAID IN FULL AT THE END OF XX/XX/XXXX. ( See attachment ). 

Consumer deserves a fair assessment and not these weak knee excuses. ( See attachment ).

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 2018-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MI

Complaint narrative:
XXXX I received a letter from XXXX stating that I should expect to receive a PSLF tracking statement sometime after 90 days. 
XXXX I had not received my tracking statement. I called XXXX to ask about it and was told I should get it within the month. 
XXXX I had not received my tracking statement. I called XXXX was told that I should expect it in 5 months. I was verbally told that 44 of my payments would qualify for PSLF and that there were 24 payments that XXXX wasn't sure about. I was concerned about the 24 uncertain payments, but without my tracking statement, it was hard to have a discussion about them. 
XXXX I had not received my tracking statement. I called XXXX and was told that I should receive it in 10 days. 
XXXX I had not received my tracking statement. I called XXXX was told that my statement was still being processed and that XXXX could provide no timeline for completing it. I was verbally told that at least 5 of my payments would not count because they were in " paid ahead status '' and that they would need to be " manually reviewed '' taking 6 months to a year. I had never heard of paid ahead status and was deeply concerned and confused. 
XXXX After doing some research about paid ahead status, I called XXXX back. I was verbally given even more confusing information about which payments do and do not count toward my PSLF due to paid ahead status. I requested that all of the previous paid ahead statuses be fixed ( I knew I had never under-paid ). I was told that no future payments would be marked as paid ahead and that the previous payments would be fixed by XX/XX/XXXX. I again requested my PSLF tracking statement. I was told I could expect to receive it in 7-10 business days. 
XXXX I went to pay my loans and discovered that I had again been put in paid ahead status. 
XXXX I called XXXX. I was again told that paid ahead status would be permanently removed from future payments and that all previous paid ahead payments would be fixed. 
XXXX I have not received my PSLF tracking statement. I have not received any notice that previous paid ahead status payments have been fixed. Frustrated by my inability to get results from XXXX, I am submitting a CFPB complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
XXXX XXXX XXXX with an amount of {$3200.00} Account is not mine, identity theft issue/fraud alert.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation