vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-02 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: CA

Complaint narrative:
I received a credit alert from my credit monitoring service. I had three hard credit inquiries on my report in less than a week ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) by a company that provides credit to WALMART and LOWES and one from XXXX. I never applied for credit with any of these companies in my life. The credit inquiries caused my credit score to go down several points for each inquiry. I phoned the first company, SYNCB, and after many attempts to find out what this was on my credit report, I was transferred to XXXX in the Fraud Department. I was told by XXXX that there was nothing he could do to help me unless I provide my SS #. I did not want to provide my SS #. XXXX told me that I should contact the credit bureaus and tell them to remove it from my credit report. I phoned XXXX   and they told me that I needed a letter of deletion from the creditor to have it removed from my credit report. I do not feel comfortable providing my SS # to the creditor ( whom I never asked to do business with in the first place ). I put a credit freeze on all three of my credit reports and I am hoping that you will be able to help me have this information removed from my credit reports.

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 2019-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
All payments were applied to interest only. While in forbearance, deferment, and income based repayment plans, I was charged exorbitant amounts of interest. I have been disputing and speaking with this company for years. I always get one answer ... we have reviewed your account and find it valid. We have the ability to legally enforce this loan. 


The amount of interest I have paid along with interest capitalization exceeds the amount of the loan. I have been unemployed and underemployed for the past 10 years. I am XXXX years old and do not see my way out of this. 


I do not know where to turn at this point. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I called American Express regarding a hard inquiry that I did not aware of on my XXXX credit report. I found an inquiry dated XX/XX/XXXX. I reported that I did not apply for any card or loan that period of time and suspect it's identity theft. They said they would send me a letter and remove it but no action has been taken since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: FL

Complaint narrative:
I HAVE BEEN A VICTUM OF IDENITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TX

Complaint narrative:
Debt is not mine. 
Based on the letter they can not try to collect fee, fees in addition to the principal owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: FL

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENITY 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 non-monetary relief
Consumer complaint received 2019-07-03 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: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I noticed a medical bill on my credit report. I disputed this bill with Allied Business Services. I send that dispute on XX/XX/2019 asking for validation of this debt. Allied Business Services responded with a bill summary but they also send a list of medical procedures. In my understanding of HIPAA laws, collection agencies do have the right to debt information but they do not have the right to medical information. Allied Business Services are violating my HIPAA rights by being in possession of my medical records and by sharing and validating my disputes with XXXX, XXXX, and XXXX with that same information. Also Allied business Services have not provided me with a HIPAA medical records release that i signed, but they are still sharing my medical information with the 3 credit bureaus. I am asking that this account be deleted from my credit report for HIPAA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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:
On XX/XX/XXXX, I called XXXX XXXX regarding a hard inquiry that I did not aware of on my Experian credit report. I found an inquiry dated XX/XX/XXXX. I reported that I did not apply for any card or loan that period of time and suspect it's identity theft. They said they would send me a letter and remove it but no action has been taken since then.

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 2019-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
cooling & winter case number XXXX my name is XXXX XXXX. I was sent to court by this company back in XXXX. at later time I disputed the collection through the credit bureaus since the account did not belong to me. the account was open as a result of identity theft. The debt was removed from my report and now the same company came after me trying to garnished my wages for a total amount of {$560.00}.

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 2019-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have been a loyal Bank of America customer for over 20 years. I transacted a withdrawal on my account for the wrong account. The money was in my saving instead is checking. The bank charges XXXX. Usually the account will tell you there not enough in the account. I called the bank and they were unwilling to assist. I never opt in to have my account overdrawn not have I ever agreed to this.

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 2019-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Sears Master Card has been sending me offers since last few months. In XX/XX/2019 got several offers via email links to use the card for special promotions in sears for 24 months and outside sears for 12 months. Since the items I wanted was not in Sears I purchased from another store after activating my offer via the email link. Since I wanted to buy more I called the Sears Customer service on XX/XX/XXXX XXXX XXXX EST and the customer service agreed that I qualified for the 2 purchases ( {$4600.00} and {$1500.00} ) I made on XX/XX/XXXX and XX/XX/XXXX respectively. On XX/XX/XXXX I paid {$500.00} thinking I got 12 months 0 % promotional APR. Today I got the XXXX statement which shows 14.3 % interest charged on {$4600.00} purchase but qualified 12 months only for the {$1500.00}. But another misleading action from Sears Customer service was they sent me a letter dated XX/XX/2019 saying that {$1500.00} does not qualify. But the statement showed {$1500.00} qualified and they applied the offer. For big amount they intentionally didn't apply and charged high interest, even after spending hours talking to the customer service and his manager. It sounded like they are determined to steal money by misleading offers. I paid the entire amount {$4600.00} and asked them to reverse the interest you charged by misleading me. They refused to refund my interest even after paying the whole amount. Please stop this fraud by Sears Mastercard and get my interest refunded for the {$4600.00}. The letter below shows their computer system prevented another fraud by applying offer for another purchase for which they send the rejection letter. 
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 monetary relief
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: UT

Complaint narrative:
Today I received a letter from Dynamic Recovery Solutions claiming that we owed a debt from a company we have never heard of. It claims to have been from a medical group in Arizona. We haven't lived in Arizona in years and the entire time we were there we had Medicaid insurance through the state that covered 100 % of our medical bills. It is impossible that we could have had a medical debt while there. We have never once had a bill sent to us or any attempts at communications with us to deal with any supposed debt. The supposed original creditor has countless complaints filed against them for sending bills to collections agencies rather than to insurance companies. 
This debt does not belong to us, and we will be sending a cease and desist letter to them. We will also be pursuing any and all legal options if this company continues to threaten our credit reports with false debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
This lab work was paid by my health insurance this company tried to collect unlawful debt before using different location also has used neighbor spoofing tactics to collect unlawful debt please investigate this harassing unlawful company close there business permanently before someone becomes victim of this company.

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 2019-07-03 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
A USPS certified receipt mail letter was sent to Experian and delivered on Monday, XX/XX/2019 requesting validation of debt from XXXX XXXX. Please see the request below. After Experian did not send the verifiable proof in my request for validation in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g, a complaint was filed with the CFPB on XX/XX/2019 requesting deletion of said account from my credit report. 

Experian stated in their response to my complaint as the remedy that the XXXX XXXX Account filed in the complaint does not appear on my credit report any longer, and that an updated version of my credit report would be sent for my review. This statement/remedy reported to CFPB was a lie ( Please see attached complaint filed with the CFPB, as well as Experian 's response highlighted with the statement given to the CFPB ). I received an updated credit report from Experian, report # XXXX dated XX/XX/2019, in which Experian lists in a statement under this XXXX XXXX account which reads, " This item remained unchanged from our processing of your dispute in XXXX, 2019. '' Not only has Experian resorted to reporting false, unvalidated and verifiable information on my credit report, they are also lying to the CFPB stating that the dispute was resolved via non-monetary to the CFPB and is not being reported on my current credit report any longer. ( Please see attached paperwork of highlighted response from Experian ). 

Experian continues to lie and report false and erroneous information on my credit report and lie to the CFPB regarding the resolution that they stated was met. As of this date, XX/XX/2019, Experian still has yet to remove this account, as it is still being reported. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof from 2 months ago, in which the original dispute was filed. The company has yet to comply. 

* All Proof of Correspondence Attached

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 2019-07-03 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am requesting my " free '' annual credit report from Equifax. Several months ago XXXX  made my report available over the Internet immediately. 

Equifax is denying providing me a report after they presented 5 questions to me concerning imaginary accounts, and none exits. In fact, I have not used credit or credit related services in 20 + years. I have a report that reflects just that ... and XXXX sent it to me. 

What is the problem with Equifax complying? 

My first contact with them was XX/XX/XXXX, and my last contact with them was today, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
ABILITY RECOVERY SERVICE IS IN VIOLATION OF THE ( FCRA ) AND ( HIPPA ) THEY ARE REPORTING AND ACCOUNT TO MY CREDIT THAT IS NOT MINE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Ive paid my credit card bills. Half the time I cant even login to my own credit card account. Now, my cards usually wont work anywhere. Its illegal and stupid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
The main problem is a lack of transparency. 

There are two charges on my paypal account that I do not recognize. They are from XXXX but I do not see matching purchases on my XXXX. Also, these charges are listed as " authorized '' automatic charges. This is peculiar because I didn't know that it was possible to permit automatic payments on paypal ; so I seriously question the possibility that I made these charges. 

However, none of this is the real problem. The real problem is that I reported these charges to paypal and then they told me that my claim was denied without giving me any documentation whatsoever. If they're going to deny me, I want the documentation. They do claim to have a process for me to access the documentation but it seems to be a barbaric process that I won't be able to follow as a result of temporary personal circumstances. Also, they told me absolutely nothing about their decision, nothing. It seems that their first decisions are final as well. There is no one time appeal to their very hasty initial decision. 


Paypal information- Case ID : XXXX Payment XXXX XX/XX/XXXX {$16.00} Transaction ID- XXXX Payment 2- XX/XX/XXXX {$27.00} Transaction ID- XXXX Seller of both- XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: GA

Complaint narrative:
Im reaching back out to you all because there are still some items that have not come off my credit. I reached out a couple of months ago about some things on my credit that are not mine. There are still some remaining XXXX XXXX, US Dep ED, XXXX XXXX? XXXX, XXXX XXXX, XXXX, XXXX XXXX. I have contacted the FTC and my local police and Im also doing this on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I had my identity stolen approximately 5 years ago, the person involved applied for multiple credit cards in my name and one of them was a Pay Pal Account they created and opened a credit card. I had called XXXX or one of the major credit companies to tell them about this and that I had not indeed been involved. Back then, they had sent me copies of the charges. It was not my address, nor had I opened up a credit card. I didnt even know I had a credit card open, however, all of this has been removed off of my credit report. Fast forward, and I try to use pay pal because its one of the only services that is offered to get compensated for working. Otherwise, you have to wait 20-25 days for your check! 

The representative said I was not able to use the services again because of this! How can I not use their services when it wasnt even my fault that someone had opened up credit cards in my name?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I tried to fix this problem with this company on XX/XX/XXXX.I sent him a formal request for investigation for information that is not mine. An invalid item which do not belong to me, was found on my credit report. I've done the hard work, checking accounts against records and this account is not mine. So I want that item to be removed from my credit report.Please help me to solve this issue because it is not fair that this negative item is being reported if its not mine. 

The accounts I am writing to you about is listed below : 1. CAVALRY PORTFOLIO SVCS   account # XXXX, Placed for collection : XX/XX/XXXX, balance : {$11000.00}, status : In Collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: DriveTime
State: CA

Complaint narrative:
Recently I went to acquire a new vehicle for my own personal use for school and picking up my children to drop them off to and from. On XX/XX/XXXX I called DriveTime in an effort to purchase a vehicle and I went over all the details to make sure I was good before I got there ( as I had an appointment the next day ). They then explained to me as of recent they do not accept income that shows from any rideshare company but later changed it to say they don't accept any food delivery income as well. I proceed to state to them this is a personal use vehicle and not for commercial purposes and therefore I should not be discriminated on what I may or may not do with the vehicle. Also, I told them that it isn't rideshare and what someone does for a living shouldn't affect their chances at a vehicle. Furthermore, I explained I own already two vehicles so how is this affecting me from buying a car. This shouldn't happen and further consumers should be protected as well.

Company response to consumer: Closed with explanation