vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Everything on my account is not me. The representatives on the phone will not speak to me because I can't answer the security questions because they are related to me, they are related to the accounts I need to dispute. There was a loan in XXXX ( I was XXXX years old ) and credit card through XXXX XXXX in XXXX that is still being paid but not by me. There was another loan for $ 700+ in XXXX in which I was still in school. A security question asked where XXXX XXXX lived. I could not answer because I don't know who it is nor do I know why it is a security question. This is fraud and trans Union needs to do a better job at fixing 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 explanation
Consumer complaint received 2019-10-03 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: GA

Complaint narrative:
Hello. I had to contact the FTC and police because of fraud. I ran my annual credit report today and discovered items on my credit that are completely foreign to me. I am planning on buying a home soon. I have absolutely no idea what these items are and would like them removed as quickly as possible. Two items don't even have names attach to them only account numbers. 
Item # 1 Unknown ( account # XXXX ) item # 2 Unknown ( account # 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 2019-10-03 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: GA

Complaint narrative:
Im a victim of fraud, I have fraudulent accounts and fraudulent addresses on my credit report that I dont recognize nor did I authorize!!!! Ive sent a identity theft affidavit along with docs verifying my identity and Ive called 5-10 times and counting and the three credit bureaus refuse to remove the fraudulent accounts and addresses on my credit report dispute the fact that I have provided all the documentation they requested!!!

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 2019-10-03 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: IL

Complaint narrative:
I have continued over and over to fix this problem I have with Equifax. This is still the worst of the three to deal with. Equifax continues to remove my good accounts in good standing but keeps the accounts that I have disputed on my report. They removed my new credit card that I have in good standing with XXXX XXXX   and I never asked them to dilute that account. Equifax is the worst company and this has caused my score to drop a few points. I asked for XXXX XXXX to be removed as well as XXXX XXXX XXXX XXXX  card to be removed and they still have not removed these accounts but only continue to ruin my credit and remove my new credit card accounts that I have in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
I have never had any communication with your company, never set up any payment arrangements. This is absurd! I have never had XXXX XXXX. I will keep fighting until you remove this account that does not belong to me. I was a victim of identity theft and reported everything to the credit bureaus.

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 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XX/XX/2019, I disputed information directly to all 3 credit bureaus XX/XX/2019 I requested debt validation letter from company directly and disputed claim via certified mail. 

Company has failed to provide such 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 explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
Below is our concise summary of the events that led up to the credit card debt : After purchasing a vacation package in XX/XX/2017, attending another sales pitch and upgrading our ownership we were moderately happy with the results at the time. 

The real turn of events happened this year in XX/XX/XXXX. We were informed by XXXX XXXX that owning a " Land Trust '' was the " future of the company. '' After much deliberation AND with the agreement that there would be no cash outlay/no payment out the door on our part, we agreed. She went on to say that we could simply use the equity from the 2 timeshares that we already owned to purchase the Land Trust. 

We were encouraged to apply for a credit card for RCI as part of the enrollment process. We were fine with doing so with the understanding that this would be an open line of credit directly tied to the ownership ( for points, perks, etc. ) and that since we were trading in the previous timeshares we would not be responsible for any associated balance. XXXX XXXX assisted us in the closing process and reiterated the very same information so we left feeling very " tucked in. '' NEVER was it explained that a down payment would be on the credit card. 

Turned out that not only had we traded in the previous timeshares in but a {$16000.00} down payment was put on the RCI credit card. The interest rates were awful and therefore, we were left with little to no choice in taking out a personal XXXX loan ( with lower interest rates ) to pay off the unexpected debt. 

We are intelligent, educated individuals of sound mind that can say with great certainty that they purposefully presented this as something that it was not. 

We are both retired military veterans and for this to go unregulated is unacceptable. We would appreciate all the assistance you can provide.

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 2019-10-03 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Hello, Target Bank is reporting on my credit report incorrectly. I submitted this account to a Debt collection company XXXX XXXX XXXX in XX/XX/2018. I was told that when I start the program, Target would re-age my account. I have been paying the agreed amount every since it was signed off on by Target. They have not done so,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Happy Money, Inc.
State: MD

Complaint narrative:
CREDITOR KEEPS CALLING AND LEAVING VOICEMAIL AT MY EMPLOYER PAYOFF IS THE COMPANY NAME HAVE CALLED 2 TIMES IN ONE WEEK XX/XX/XXXX XXXX XXXX  XX/XX/XXXX LEFT VM NOT SURE WHAT TIME THEY CALLED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Advance America, Cash Advance Centers, Inc.
State: PA

Complaint narrative:
I keep getting calls from a debt collector XXXX or XXXX saying they are calling for advanced America when I called advanced America they say I dont owe them any money but this debt collector is very rude hangs up on me when I try to explain it and tells me I need to get a attorney because I am going to be sued and they are going to contact my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Tried to get a home mortgage through XXXX XXXX XXXX. Got approved for the first loan and was denied the second loan for {$97000.00} from a lender in NY. 

Spoke with representative at US Bank he told me that he could get the deal done for me and started working on the loan XX/XX/XXXX. He said we would close on XX/XX/XXXX. 

XX/XX/XXXX : not closed yet and said we would definitely have it closed this day. I told him that I was going out of town to Idaho on the XXXX. He said we would have it closed by the XXXX. 

XX/XX/XXXX : called me almost every day on my father 's day vacation with my dad XX/XX/XXXX : text message from employee and I quote " How lucky are you feeling : ) '' " We have your deal worked out. '' My reply : " Cool. Any idea how long it will take to get paper work to title? '' Because of his text I released the {$4000.00} earnest money to the seller He did not respond to my text. My follow up to him " tried to call his assistant, sent to voicemail. Call me or text me if you can. '' XX/XX/XXXX : Me " what's the word? '' Him : no response, no response to my email or phone call either. 

XX/XX/XXXX : I text him and said " I need your managers contact information please, Thanks. '' All he replied was her name and phone number. 
I spoke with her and she told me that she doesn't know why he would say the things he did because there was no way that I would be approved for the loan due to debt to income ratio. I told her I should be compensated for moving 4 times due to his promises and reimbursed the earnest money. She said no. 

Total I feel should be paid to me by him or US Bank {$4000.00} earnest money {$690.00} for the movers out of the original apartment end of XX/XX/XXXX and into storage unit {$1100.00} for XX/XX/XXXX-XX/XX/XXXX using demo apartment because no others were available {$1200.00} for the new apartment while waiting for approval XX/XX/XXXX-XX/XX/XXXX {$700.00} for having to move again into a demo apartment XX/XX/XXXX-XX/XX/XXXX {$110.00} for extra storage unit x2 months {$230.00} Total {$7900.00} Not only was I constantly lied to, but my pregnant wife and I were taking his word, which ultimately was a lie and cost us not only money but time and stress and ultimately a miscarriage No action was taken by the 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 2019-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
I received a denial of credit letter from an Application that I did not submit. 

I received from Prosper, a letter denying my application for a loan. The letter indicated that Prosper had reached out to me in prior correspondence to offer a smaller loan. No prior communications had been received by me. 
I requested a copy of the Application Prosper had for me. The employees assured me Prosper could not provide a printed copy or electronic copy. Employees offered to read the application information to me over the telephone. At this point I asked, what if I am the hacker, you are going to read the information to me sight unseen? XXXX, the person on the Customer Advocate Team, in the absence of a manager that I had requested, proceeded to read my street address to me, then  I stopped him. During the conversation I became aware that they were using a name I have not often used in the last 20 years, know my address, email, and year of birth. I told them that it was unacceptable for me not to be able to SEE the information that they had on me, without my consent. 

I admit around the time Prosper alleges an Application was made, I was looking at rates for personal loans, but I did not submit and application to Prosper. Without my making an actual application and consenting to providing Prosper information Prosper should have no information on me. 

I asked what government agencies regulated Prosper, and initially was told none ( under which they operated I think was my initial question ) That answer was later justified by " We Are Not A Government Agency ''. I then asked which agencies performed oversight and provided regulations that Prosper had to comply with. XXXX who was supposed to be a supervisor, said he did not know. 

XXXX did tell me that Prosper is Prosper Market Place LLC dba Prosper Funding LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX said Prosper is a pier to pier lending organization with no federal control, but XXXX confirmed that Prosper answers to CFPB. Therefore I am writing to you to find out how I SEE ( i.e. obtain an actual replica [ PDF of hardcopy ] of the information from their database ) 1. what information was submitted to them that gave rise to the denial of credit email I received 2. who sent it to them 3. who Prosper sent counter offers to 4. under what authority that initial information was provided AND Answer the Question of HOW DO I GET ME OUT OF Prosper 's DATABASE COMPLETELY. 

IT IS NOT ACCEPTABLE THAT PROSPER HAVE ( OR HAVE HAD ) INFORMATION THAT PROSPER IS WILLING TO SHARE BY TELEPHONE ABOUT ME AND CAN NOT PROVIDE ME A REPLICA SO I CAN SEE IT MYSELF TO BE FULLY APPRISED OF THE INFORMATION IN THEIR HANDS.

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 2019-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have sent 3 letters to verify this amount and debt. I have received no such responses. I have contacted both the creditor directly as well as TransUnion regarding the dispute. 

This balance is showing delinquent when its not. The creditor was in violation of XXXX housing laws and failed to provide safe and sanitary housing.

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 2019-10-03 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: FL

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge off in the amount of {$2600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full years ago and should not be reporting on my credit report. This incorrect reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
There was a car loan from capital one auto finance in my name in XX/XX/2017, which I have disputed to be removed from my credit report since it has been repossessed and sold off. I tried contacting the company to fix this error on my report and they keep sending me affidavits for identity theft which this is not the case. I am trying to have this incorrect balance reporting removed because this vehicle was repossessed after i was not able to pay after being diagnosed with a XXXX  sickness and not being able to work. I do not owe the balance that is reporting on my credit and this need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: DE

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 non-monetary relief
Consumer complaint received 2019-10-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit score dropped drastically for no reason. I have e-mailed them and their response was that they would look into it and get back with me which they did not and I have e-mailed them since asking why. No response and crickets with nothing and no answer. My income has not changed, all payments made on time and no more debt, even auto loan paid off with excellent payment record on all cc and autos. Home paid for and really very low debt load. less than XXXX. The credit reporting agency is Experian and my score was XXXX then dropped to mid 700s for no reason.

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 2019-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly a collection/charge off in the amount of {$2600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full years ago and should not be reporting on my credit report. This incorrect reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-10-03 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: FL

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a collection/charge off in the amount of {$2600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full years ago and should not be reporting on my credit report. This incorrect reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
Every month Planet Home Lending sends me a mortgage statement that has fees and charges on it of {$1800.00}. When I called Planet Home Lending to ask what those fees and charges represent, they could not tell me anything other than the fees and charges were transferred over to them from the previous servicer. In addition, I made an additional payment of {$1500.00} on XX/XX/2019 which was not applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief