vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
This account XXXX  in charge-off status on my credit reports that is fraudulent and I have no knowledge of it all. The account was originally opened with XXXX XXXX, who I am filing a claim against as well on XX/XX/XXXX, showing a { {$700.00} } credit limit, with a balance of ( {$0.00} ), and charged of XX/XX/XXXX and updating this information on XX/XX/XXXX after it was charged off.. Making it charged off and updated after the account was sold to XXXX  on XX/XX/XXXX per XXXX XXXX. I didn't receive a notice from XXXX at any time. I started cleaning my credit and found that it had already been reported to All credit bureaus. I sent a letter of dispute to XXXX on 3 separate occasions asking for validation, original account level documentation. Every time what I requested was refused but XXXX   would send me a printout of incorrect information.

XXXX XXXX   sold the account XX/XX/XXXX. On my credit report XXXX indicated at 2 credit bureaus that the account was opened XX/XX/XXXX with a balance of {$990.00} and a high balance of {$990.00} and at one credit bureau the account was opened XX/XX/XXXX with balance and debt {$990.00}. I have NEVER did business with XXXX XXXX, but XXXX is making it their business to pin it on me. I wasn't aware of it until I started cleaning my credit. This account is 100 % fraudelent. The original account close date is XX/XX/XXXX and XXXX is re-aging it to XX/XX/XXXX.

I've even disputed it with All credit bureaus and they all state verified not validated from the furnisher on record..

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 2018-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/2018 I gave XXXX XXXX XXXX XXXX 2 third party checks. Amount XXXX Chase bank froze the bank account and is currently holding the funds. They said they will hold the fund indefinitely. The only way to get funds back is to have foremost insurance request for the fund to be returned to them I contacted the insurance adjuster and she cant get funds back because chase has cashed the checks per XXXX Chase will not return the checks or release the money. On XX/XX/XXXX I went into chase with owner and spoke with a banker. They explain that chase didnt have to release fund or return to foremost insurance. 
Please asked chase to return funds to foremost insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
On XX/XX/2018 I filed a written dispute ( USPS Certified mail # XXXX XXXX XXXX XXXX XXXX ) directly with Credit Acceptance Corporation located in XXXX, Michigan regarding inaccurate payment history they posted to my consumer credit reports. I identified and list each error by month and year. Under the Federal Law, I requested copies of specific records that they keep during the normal course of business. 

I waited more than 30 days to her the results of the investigation and view copies of invoices and payments that I requested. To date Credit Acceptance has not investigated nor responded to my dispute or request for inaccurate payment history to be deleted from my credit  reports. 

Thus far Credit Acceptance Corporation has ignored me and the law. I am requesting your assistance in having Credit Acceptance comply with the law and remove the inaccurate payment history 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 explanation
Consumer complaint received 2018-05-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX has reported delays in the Equifax credit agency since XXXX and is incorrect and accepted the error and does not correct it. My score has been damaged and I had a medical emergency and I was denied loan because of that error in my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 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: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
My credit report has six inquiries from same company over last two years they just did inquiries again XX/XX/2018 I do not use this company and have no association with them or affiliation s of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANDMARK ACCOUNTS, INC
State: MI

Complaint narrative:
On XX/XX/2018 I filed a written demand ( USPS Certified mail # XXXX XXXX XXXX XXXX XXXX ) for Validation of Debt with Landmark Accounts Inc. a debt purchaser in XXXX, IN for an negative collection account they placed on my consumer credit files with XXXX , XXXX, XXXX   and others. 

I requested legal validation and documents showing bearing my signature that makes me liable for this account. 

It has been more than 30 days and Landmark Accounts Inc. has refused to validate the debt and continues to report the debt as valid to the credit bureaus. I am requesting your assistance in getting this debt validated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a credit card with city with a {$10000.00} balance. I have not made any over limit purchases and I made all of my payments on time. The balance was about {$9500.00}. On XX/XX/XXXX I made a payment of {$3500.00}. The next day they lowered my available balance five {$3500.00}. I have a credit card with city with a {$10000.00} balance. I have not made any over limit purchases and I made all of my payments on time. The balance was about {$9500.00}. On XX/XX/XXXX I made a payment of {$3500.00}. The next day they lowered my available balance five {$3500.00}. They told me that it was a coincidence and it was because of my credit score. I made this large payment to lower my debt ratio, but because they lowered my available balance it neglected what I was trying to do.

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 2018-05-12 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: LD Holdings Group, LLC
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX has reported delays in the XXXX credit agency since XXXX and is incorrect and accepted the error and does not correct it. My score has been damaged and I had a medical emergency and I was denied loan because of that error in my record.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX has reported delays in the XXXX credit agency since XXXX and is incorrect and accepted the error and does not correct it. My score has been damaged and I had a medical emergency and I was denied loan because of that error in my record.

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 2018-05-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
I received an unsigned letter from Ability with a course syllabus instead of an invoice and a written judgement .They are reporting never paid on my credit report since XX/XX/2017 until the present.We dont have an payment agreement.They are also reporting it as a collection debt.

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 2018-05-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
They charged us home insurance while we pay and have own home insurance had fire we should get ins back we paid for it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
The total amount due on my BMW Financial Services account is XXXX, which includes a past due amount for the month of XX/XX/XXXX. I spoke with a XXXX XXXX  on XX/XX/XXXX, she advised me I could use an insurance check from XXXX  to apply to my account as payment. This check is payment for minor damage to the vehicle. Check was received yesterday, XX/XX/XXXX in the amount of XXXX. It is made out to myself and BMW Financial Services, it was mailed out today,XX/XX/XXXX, sent to the address provided in XXXX  's email. The check number is XXXX, sent to BMW Financial Services, XXXX XXXX XXXX, XXXX, OH XXXX. I believe there is a notice of default on the account, however, I do not have the notice as I have not received it as of yet. Please advise BMW Financial Services the payment is in the mail, sent out today. In case there is an error in processing or delay in receiving, please request additional time to allow payment to post. I have a copy of XXXX  's email with instructions to send if its needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have three issues With TransUnion that I believe in direct violation of my consumer rights. First, will start with address change. XX/XX/XXXX I disputed and submitted a formal request to change to my correct address and report my legal name. I sent the required identification requested by TransUnion. XX/XX/XXXX sent a confirmation letter and deleted the disputed address. XX/XX/XXXX, I received a letter from another dispute. I notice that TransUnion re-inserted the deleted name without informing me in writing that they were re-inserting the deleted address. Second. TransUnion is reporting a collection that the 7 year time limit has expired for XXXX XXXX XXXX XXXX reviewed their files and admitted that the statute of limitations ( SOL ) had expired. Tennessee statute of limitations is 6 years. XXXX XXXX   states that the account in question expired XX/XX/XXXX XXXX XXXX   informed me to contact TransUnion. TransUnion have been informed formally several times. TransUnion has reported this account 2 years beyond SOL years. I have formally disputed this era to TransUnion several times. Third, I recently have been informed that there is a bankruptcy that has been maintain under my social security number. TransUnion was sent a formal letter disputing the bankruptcy. They were asked to validated there information and provide me with copies of any documentation. I inquired through the bankruptcy courts. I was informed that the courts do not report to credit bureaus. A formal letter was sent to TransUnion XX/XX/XXXX and received XX/XX/XXXX. XX/XX/XXXX TransUnion sent a letter stating bankruptcy dispute have been verified. XXXX XXXX. XXXX XXXX informed me a security freeze has been place on my files if any as of XX/XX/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 2018-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: UT

Complaint narrative:
Cash Central customer service is claiming they did not receive supporting evidence of my ID theft and claim all their account information and credit reporting is accurate.

On

XX/XX/XXXX I spoke with a collector for the company and explained I was not the person involved that the debt was not mine. On XX/XX/XXXX I f
axed Cash Central a police report, and Identity theft report from Identity theft.gov. I received a confirmation of the fax.

The only action Cash central has taken has been in regards to the dispute I initiated online with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: UT

Complaint narrative:
On XX/XX/XXXX I obtained a copy of my credit report. from all three reporting agencies.

I found multiple incorrect Accounts that did not belong to me and incorrect personal information.

Including this Account : XXXX XXXX XXXX {$140.00} Opened XX/XX/XXXX On XX/XX/XXXXI Directly Disputed this account via certified mail. These disputes were sent to the Furnisher of the data and each CRA.

On XX/XX/XXXX Equifax addressed other issues but did not Validate the above account.

Equifax failed to provide me with any of the information I requested.

On XX/XX/XXXX I sent a Second Direct Dispute to the Furnisher. Informing them that the account had not been validated and again requesting information On XX/XX/XXXX I finally received a response from the furnisher including a computer generated form with no proof of ownership, account balance, or any information validating ownership of the account.

On XX/XX/XXXX I reported the account as fraud to the Federal Trade Commission and mailed a fraud report to Equifax I also Faxed the complaint and spoke with equifax on the phone.

On XX/XX/XXXX Equifax acknowledged receipt of my complaint and without my authorization provided a personal fraud statement on my behalf, claiming it was mine, and opted me out of promotional offers, and provided my work cell phone number for all without my consent. they then sent letters to the other Credit Reporting Agancies instructing them to do likwise.

On XX/XX/XXXX Equifax validated the account as accurate, again without providing me ANY Validated, or Verifiable information.

On XX/XX/XXXX I sent one Final letter demanding compliance with the FCRA it has been nearly 6 Months and Neither Equifax of XXXX XXXX has made any attempt to provide validating information, and after receiving evidence that the account is fraud they continue to report it as mine. This has caused me financial damage and my next step will be a suit for violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-13 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: IL

Complaint narrative:
I have contacted the Pennsylvania Higher Education Assistance Agency ( DBA XXXX ), 4 separate times about waiving my in-school deferment for my Grad Plus loan and direct consolidation loan in order to make qualifying payments toward the Public Service Loan Forgiveness program. 

Each of the times, I've gotten a different answer. All of these answers allege that there is a " required form '' for waiving the in-school deferment. One of the answers claimed that the form would be provided in my electronic inbox with XXXX within 24 hours. Another claims that XXXX policy prohibits providing this form except for by mail. No such form has been provided to me by any means. 

In one of my contact attempts, I sent a secure message requesting that my eligible loans be taken out of in-school deferment. Clearly not having read the message at all, XXXX instead canceled my direct debit registration and took no action on my deferment. 

XXXX continues to refuse to take my XXXX  plus loan and direct consolidation loan out of in-school deferment. This action violates federal law, since the decision to accept an in-school deferment is solely mine. Additionally, it constitutes an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ), especially since this alleged form is not a U.S. Department of Education requirement - my other federal student loan servicer did not require such a form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I purchased merchandise from XXXX XXXX  on their credit card, I thought. This was in XX/XX/XXXX. On XX/XX/XXXX I came down with very bad case of the XXXX. Missed time from work. My merchandise was no more than eighty dollars. However, the XXXX stayed with me with severe pain which I am still having even after 5 months. At this time I did not make a payment which I agree was wrong. However I started getting calls from a XXXX XXXX. They would call XXXX XXXX. until XXXX XXXX every hour, 7 days a week. This has been going on for months. I was going through bills which I had not paid. I found XXXX XXXX bill and made the check out for {$32.00} payable to XXXX XXXX which I mailed on XX/XX/XXXX. On XX/XX/XXXX, I called XXXX  and they connected me to XXXX XXXX, because it was their card. I was not aware of this. So to this day XXXX XXXX said the check was not made out right. Should read XXXX XXXX XXXX XXXX   they have not cashed it. I did send another payment of {$37.00} dollars. They say I owe {$220.00} dollars. I feel XXXX XXXX   deceived me not telling me that the card was through XXXX XXXX. I offered to settle for {$120.00}. No response from either XXXX or XXXX XXXX. No checks were cashed and are sending negative reports to the Credit Bureau, saying no response.

Thank you for any help.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently applied for the Citi Double Cash card and received my Citi Double Cash card on XX/XX/XXXX. I activated the card and was informed I can begin using my card. My two first attempts to use the card on XX/XX/XXXX the card declined. I immediately contacted Citi and was told the card is usable with no further declines. I stressed that this can not happen as I'm using this card for purchases with vendors whom I work with. I was assured there would be no further problems. On the following day I had two vendors contact me that my Citi card was declined. I again contacted Citi card and was told they need a copy of my Social Security card. I have never provided this information to a credit card company as I have excellent credit, and held credit cards for over 30 years. Also, I have another credit card currently with Citi. 
After almost an hour on the phone and speaking with a supervisor I requested to cancel the account as I will find a different card provider. They refused to cancel my account until I give them a copy of my social security card. 
I then receive a letter stating they want a copy of my social security card on XX/XX/XXXX via mail. I immediately called and stated I'm not comfortable mailing a copy of my social security card and to please cancel my account. I have not interest in doing business with this company. I was told they will not cancel my account until I mail them a copy of my SS card. At this point I have no idea what to do. I have wasted too much time and effort trying to resolve the service and cancel my account. 
Citi has worst service I have ever experienced.

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 2018-05-13 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
During the month of XX/XX/XXXX, I purchased a car though XXXX XXXX I looked at 2 other dealers but did not buy from them. At XXXX XXXX I selected XXXX  to finance my car purchase. My credit now shows of 30 inquires over the past 30 days. Often 3 or 4 times by the same banks on the same days. I have posted them below. I have contacted XXXX XXXX. The offered no help. They said they have no control over what banks inquire about my credit or when. I also called each bank. They all said they would have some call me back or assist. None of them have. For example, I spoke with ALLY 14 times. Each time they promised that someone would help or call me back. Please help.

XXXX  XXXX XXXX  ALLY FINAN I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX ALLY FINAN I XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXALLY FINAN I XX/XX/XXXX ALLY FINAN I XX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX XX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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