vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-20 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Transunion disputing an account that does not belong to me. In the same letter, I asked Transunion to include information about the investigation, including the contact information of the data furnisher of the inaccurate information. 

On XX/XX/XXXX, Transunion sent a response stating they concluded the investigation, and the information was verified as accurate. The letter also said it would include a " Summary '' regarding the steps conducted in the investigation. However, upon reviewing the letter, there is no summary at all. There is no summary of the steps of the investigation. There is no data furnisher. The only proof I received were the words " verified as accurate ''. 

It seems like Transunion did not conduct a proper investigation ; Or their investigation was unable to uncover any evidence to justify the disputed information.

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 2019-11-20 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: NV

Complaint narrative:
On XX/XX/2018 I was the victim of a robbery. My wallet and other personal items were stolen. I attempted to notify every single company that I could recall having an account with about my robbery so they could complete their due diligence and take appropriate action. I had excellent credit and had many many credit cards ( more than I could remember at the time ). Apparently one of my accounts ( XXXX ) ended up being used fraudulently. When I found out about it, I immediately contacted XXXX and began the fraud process. To my shock they refused my claim and are trying to make me responsible for a debt I did not incur. I believe I even had fraud protection on this card! Now I am in the process of trying to buy a house but I can not qualify because of this fraudulent item is still on my credit report. I have made numerous phone calls, sent letters, completed affidavits, filed police reports and have done everything I can to get this issue resolved, yet XXXX nor the credit bureaus are helping me. I am extremely disappointed with 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 2019-11-20 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: NV

Complaint narrative:
On XX/XX/2018 I was the victim of a robbery. My wallet and other personal items were stolen. I attempted to notify every single company that I could recall having an account with about my robbery so they could complete their due diligence and take appropriate action. I had excellent credit and had many many credit cards ( more than I could remember at the time ). Apparently one of my accounts ( XXXX ) ended up being used fraudulently. When I found out about it, I immediately contacted XXXX and began the fraud process. To my shock they refused my claim and are trying to make me responsible for a debt I did not incur. I believe I even had fraud protection on this card! Now I am in the process of trying to buy a house but I can not qualify because of this fraudulent item is still on my credit report. I have made numerous phone calls, sent letters, completed affidavits, filed police reports and have done everything I can to get this issue resolved, yet XXXX nor the credit bureaus are helping me. I am extremely disappointed with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
The Cash Store has a third party by the name of XXXX that called me at my place of employment from XXXX. Someone by the name of XXXX XXXX, he claimed to be, called several times for me. When he did finally reach me, the gentleman did not state where he was calling from, who he represented and only stated there was a claim filed against me and he was coming to my work to bring it. The caller did not have a professional tone, so It was very intimidating when he was yelling that I broke the law and I could not hide behind my job. After I kept asking who and what, he said he was hired by an agency to handle my claim. A claim he still did not state was. I disconnected after his rudeness was too much and I was afraid, some guy I don't know said he was coming to my work. My general manager began to answer his calls that continued and explained to him that this did not seem legitimate especially because the guy kept yelling. When I picked up line again, I said I was going to call the police, ONE because I didn't know who he was, two because he kept saying I will come to your work, and I will be escorted. I have my general manager, and front desk lead both answered these calls. The 2nd time I picked up the line, he apologized for not letting me know who he was, and gave me a number to call, his representative, to get my answers. The place was XXXX. I am still shook up by all this. This was a 3rd party collection agency. The way this was handled is not professional and in turn gives these people the reputation they have. " Bullies ''. I will look to attain other professional advice on how this was handled. I did contact the Cash Store as well as XXXX XXXX XXXX to see what I could do on my part as far as my debt. I do not believe that these tactics should be legal. He took over 2 hours of our business time as he repeatedly called our business. Again, I have 2 other witnesses on how " XXXX XXXX '' disturbed our flow here. He does currently have my personal number, I will hope that there is something I can do to stop this very unprofessional business practice. I am afraid to go to my car, or leave the building. This gentleman 's last call, he told my front desk lead, to tell my general manager to have me waiting outside for him. As a place of customer service, we do have the calls recorded if there is someone I can submit them to. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
On XX/XX/2019, I ordered, through PNC 's online banking service, a check payment of {$8000.00} from PNC bank to XXXX to settle a car accident. I typed in correctly the check address to the third-party settlement company and made the check payable to XXXX in the online payment system. Upon finishing the instruction, the online payment system highlighted only web payment option and had no paper check option. So I went through the web payment option. XXXX and their settlement company informed me the money was never received. 

To resolve the issue, I have : 1. Contacted XXXX, but XXXX asked me to instruct them where the money was sent to for them to locate the money. I was not given the information from PNC. 
2. Contacted PNC bank, but PNC informed me that their online system was outsourced to a third-party, XXXX  and referred me to them. But XXXX refused to interact with individual customers and would only work with institutions. 
4. Disputed the payment through PNC Bank. PNC Bank contacted XXXX, XXXX refused to engage, and PNC Bank closed the dispute. 
5. PNC confirmed the money was sent out through web payment to XXXX and asked if I was paying to XXXX from XXXX XXXX online payment system. I told PNC Bank that I am not a customer of XXXX, have no way to use their regular payment system, and have no idea where the {$8000.00} was sent. 

From interacting with branch managers of PNC, a plausible scenario of what actually happened may have been this : 1. I ordered a payment with the recipient name being XXXX 2. The outsourced payment system hardcoded payments to XXXX through their insurance payment interface 3. The money was sent to one of the generic XXXX insurance payment interface

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
In XX/XX/2016, my already stressed and impressionable XXXX year old daughter received a high pressure sales call from XXXX University. They quickly brainwashed her and convinced her this was the best option for her to receive a college education. We as her parents were then high pressured into signing loan documents for a loan that is now upwards of $ 17K. My daughter only went to XXXX online university for 1 year. She has since transferred to a local XXXX  college. The tuition I have paid for 2 years there does not begin to equal the balance of this Parent PLUS Loan. I feel my daughter as well as my husband and I were pressured into this loan with really not education from anyone on what the true costs of the loan really are when all is said and done. The loan is deferred right now until next year. I will need to try and defer again as my daughter nor myself have the money to repay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-20 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-20 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: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
I had 3 collections on my credit report from Credit systems inc. I was told by the company in question that if i paid the collections then the they would be removed from my credit report. The collections have been paid and i have made repeated attempts with the company and the 3 credit bureaus to get the paid collections removed but have had no success. Please help as they are negatively affecting my credit score and i was told they would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: NY

Complaint narrative:
Identity theft

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 2019-11-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I have attached a copy of the letter that I have repeatedly received in the mail for the last 5 years or so.My husband passed away 13 years ago and the house we lived in, and had both of our names on, I moved out of and filed bankruptcy on 6 years ago. After his passing, I contacted the mortgage company to inform them and sent them a copy of the death certificate as soon as I had it. This company has changed names several times over the years, but is currently going by Ditech Financial ( used to be Greentree Financial ). During this time, I was repeatedly harassed, had very rude customer service representatives treat me like garbage. I finally filed bankruptcy. Now, I'm receiving letters ; at my new residence, addressed to my late husband who had never lived there, obviously. 
I have tried several times to reach the email address on the letter to Ditech, but it keeps bouncing back. I prefer to communicate by email so that I have a letter trail/proof of communication. 
So far, I have not been able to make contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I made a purchase on XXXX, 2019 with website Company name " XXXX ". I spent {$250.00}. After not hearing or receiving tracking # in a couple weeks. I sent them an email. After not hearing anything, I filed complaint with PayPal ( that's how I paid ) They said give the company until XXXX to respond. Then they emailed me and told me they were change the reason of dispute to " item don't look as advertised '', and I told them no but I have not received anything still, so I should have original dispute. Then Paypal told me file complaint with Internet Crime Complaint Center while or in order for them to continue to investigate. I did that, and sent them the information. Now they are saying wait until XXXX XXXX. I just want my money back, and to never deal with this company again. The company use the name XXXX XXXX with Paypal. The Case # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Here we have a paid off account with debt collector XXXX XXXX XXXX. This debt has been paid off since XXXX XXXX, Collectors agreed to remove the account from my credit report immediately after payment, Still to this date XX/XX/2019 it is still showing on my credit thus affecting me in a negative way. Collectors state they report monthly. I have called in numerous time in attempt to get it removed, in return i get mixed responses on a solution.

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 2019-11-20 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX 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 2019-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
On Tuesday XX/XX/2019 I transferred {$1200.00} into my checking account from a savings account that I opened up with Navy Federal Credit Union for the purpose of depositing my XXXX  son 's SSI XXXX check in the amount of {$1500.00}, which I had deposited on Saturday XX/XX/2019 and had cleared Monday XX/XX/2019. After the transfer was successful I left my home and realized I had to withdraw some cash so I went to use my card at the ATM and the transaction was declined. Confused by this i logged in to my account on the Navy Federal mobile app and noticed all of the money I just transferred had been removed and dispersed to other Navy Federal accounts that were past due. This was done without any prior  notification, no phone call or any other form of communication was used to notify me that funds were going to be transferred. 

I quickly called customer service who then transferred me to Personal Finance Management and finally to Collections. The representative in Personal Finance Management was unable to fix the issue himself so he informed me that collections should be able to and explained what I needed to tell them in order to get the funds reversed. The representative in collections took my information down and put in a request that he said could take up to 24 hours. I waited and called back Wednesday XX/XX/2019 to reach him via his extension. After being answered by other representatives and left on hold, one time up to an hour, I was informed that the request had been denied because " no prior arrangements had been made. '' The representative and supervisor were unwilling to reach any sort of agreement or work towards solving this issue in a way that would be beneficial to myself and the bank. I was willing to make a small payment in exchange for the return of most of the funds. My pleas were met with stubborn refusal and indifference to my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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:
i've sent the credit bureau experian and XXXX   documentation and letters to update their inaccurate information. ive snet ftc reports dating back in XX/XX/2019 again in XXXX and XXXX they have fraudulent information reporting and all they do is say that the company has updated information without providing any documentation

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