vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
XX/XX/2018. {$3000.00} charge to XXXX gift cards XX/XX/2018. {$36.00} charge to foreign purchase transaction fee XX/XX/2018. {$1200.00} charge to XXXX XXXX XXXX XX/XX/2018. {$4.00}. Charge to XXXX XXXX XXXXXX/XX/2018 {$4.00}. Charge to XXXX XXXX XXXX I spoke to the issuer of this card today, XX/XX/XXXX and they will start a fraud case. These amounts will be on my statement until this has been resolved, which could take 60 days. These are not my charges and Im ready to close this account. This credit card never leaves my house.

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 2018-08-14 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: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
This was is not my account, yet it keeps showing up on my credit as as delinquent account. Now it show as a charge off. Below are the dates and amounts from : Credit Acceptance XX/XX/XXXX {$2600.00} XXXX charge off XX/XX/XXXX {$2300.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$1700.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1100.00} XX/XX/XXXX {$860.00} XX/XX/XXXX {$660.00} XX/XX/XXXX {$540.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX continues to harass me and damage my credit by going back and forth. I notified Synchrony that the XXXX XXXX that was opened in my name was fraudulent. At the time of reporting it, I lost my wallet. I was not able to recover my wallet, and as soon as i saw the account reporting on my credit i immediately notified the company and provided the company with an FTC Affidavit, I additionally notified the law enforcement agency in my area that my wallet was stolen, and that someone used my Identity to open this account. When calling XXXX back after being sent 3 different letters i was told that they verified the account was fraudulent and that i would not be liable for this account. Additionally i was sent a letter in the mail the first time stating the account was fraudulent they verified that i did not benefit from the account. As stated to XXXX when my Wallet was stolen, my Identity was used to open the account. I did NOT benefit from this account, The bank account that they " stated made payments to the account '' is an account that i additionally reported as fraud as well, And that account has been closed and removed from my record. My Email addresses were hacked as well and my USPS mail was forwarded. I had to find all of this out and i have just now begun correcting and restoring my identity. After this letter, XXXX followed up with a second letter confirming they contacted all 3 credit bureaus to have the account removed from my credit reports. Lastly i just now received a third letter today and in this letter it states they were unable to accept my claim as they said i benefited from this card, and that payments are 1 year old? You can't accept someones claim, and then later after sending two letters confirming the fraud send a third letter stating its not fraud. You verified this account as fraud. I DID NOT Benefit from this account. I never received a card, my identity was stolen. This account has been removed from all 3 credit bureaus as fraud, and i do not understand why you are attempting to falsely send me documents clearly revoking everything you said in the first two letters. To me that seems like False legal documentation. This account is fraudulent, when the person stole my wallet they also forwarded my mail, they also opened bank accounts. Created email addresses and hacked my email address. I want this corrected now and to know what the real truth is? You have my law enforcement documents. Please stop being wishy washy. You already confirmed the fraud.

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 2018-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Accurate Background
State: CO

Complaint narrative:
My CDL portion of my license is inactive because i do not have a current DOT physical. Obviously that means I can not do a CDL job until I have a current DOT physical but on my background check it says my personal license itself is cancelled & i have been passed over for multiple NON CDL driving jobs because of this error. My normal license is valid still. This error is costing me job opportunities, this most recent employer is the 1st one to elaborate why I was passed up for a job. I got a copy of my report from the DMV & it says my regular driving license is valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I became XXXX XX/XX/2015, Been on total XXXX and receiving Social Security. 
I applied for student loan forgiveness and submitted all supporting documents sent by the XXXX XXXX XXXX XXXX to XXXX ( my student loan holder ). 
My application was received and accepted by XXXX and received notifactions from them that my sudent loan was dismissed in total due to my XXXX. XXXX still has not removed this from mum credit which has effected my credit score negatively. 
My student loan was accepted and approved through the XXXX XXXX XXXX XXXX XXXX XXXX. XXXX also notified me my application was approved, would be dismissed and removed from my credit report.

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 2018-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I became XXXX XX/XX/2015, Been on total XXXX and receiving Social Security. 
I applied for student loan forgiveness and submitted all supporting documents sent by the Federal Student Loan Forgiveness to XXXX  ( my student loan holder ). 
My application was received and accepted by XXXX and received notifactions from them that my sudent loan was dismissed in total due to my XXXX. XXXX still has not removed this from mum credit which has effected my credit score negatively. 
My student loan was accepted and approved through the Federal Student Aid/Student. Loan Forgiveness Program. XXXX also notified me my application was approved, would be dismissed and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I became XXXX XX/XX/2015, Been on total XXXX and receiving Social Security. 
I applied for student loan forgiveness and submitted all supporting documents sent by the Federal Student Loan Forgiveness to XXXX ( my student loan holder ). 
My application was received and accepted by XXXX and received notifactions from them that my sudent loan was dismissed in total due to my XXXX. XXXX still has not removed this from mum credit which has effected my credit score negatively. 
My student loan was accepted and approved through the Federal Student Aid/Student. Loan Forgiveness Program. XXXX also notified me my application was approved, would be dismissed and removed from my credit report.

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 2018-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: TN

Complaint narrative:
Rent Recovery Solutions open XX/XX/XXXX for XXXX. The original creditor of this debt is XXXX XXXX XXXX. Never received notification of this debt until it showed up on my credit report. This debt was created by the mishandling of funds I was court ordered to pay my ex during the divorce. She was court ordered to use this money for rent and chose to use it other things to purposely put me in a debt situation. I submitted the court degree to the original creditor but the disregarded all proof. When they would not correct the mistake I hired XXXX XXXX to dispute. In XX/XX/XXXX this account fell off my credit after dispute and removal put has now been added back to my  report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: TX

Complaint narrative:
I have been informed student loan is on my credit report. I have not attend XXXX XXXX XXXX XXXX  XXXX University. I have visit the school to get student ID information, and any documents on file to confirm account belongs to me. There is no documents and have been confirmed there is no enrollment for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
Sun Loan, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX is showing a hard pull for dates as follows of which I didn't give permission for these inquiries ; XX/XX/2018, XXXX XXXX, XXXX XXXX and XXXX XXXX. Please, correct this information. Thank you, 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 2018-08-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I currently paid XXXX XXXX to help remove negative items off my report I received emails that these items were challenged on these dates XXXX XXXX XXXX Transunion on XX/XX/2018 XXXX XXXX XXXX on XX/XX/2018 XXXX XXXX XXXX XXXX on XX/XX/2018 XXXX XXXX XXXX XXXX on XX/XX/2018 I called all three Credit bureaus to make sure these items were being disputed by XXXX XXXX all three credit bureaus told me that none of these items were being disputed by XXXX XXXX  and that have not received anything from XXXX XXXX. XXXX XXXX has a good relationship with all the credit bureaus to where when they dispute negative items it goes directly electronically to the Credit Bureaus. 
Below I have attached emails from XXXX XXXX that these items were challenged and a screenshot of my account showing negative items that has been intervene ( challenged ) with the credit bureaus by XXXX XXXX. Its underlined in yellow.

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 2018-08-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I currently paid XXXXXXXX XXXX to help remove negative items off my report I received emails that these items were challenged on these dates XXXX XXXX XXXX XXXX on XX/XX/2018 XXXX & Equifax on XX/XX/2018 Merchants and Medical XXXX on XX/XX/2018 XXXX XXXX XXXX Equifax on XX/XX/2018 I called all three Credit bureaus to make sure these items were being disputed by XXXXXXXX XXXX all three credit bureaus told me that none of these items were being disputed by XXXX XXXX and that have not received anything from XXXXXXXX XXXX. XXXX XXXX has a good relationship with all the credit bureaus to where when they dispute negative items it goes directly electronically to the Credit Bureaus. 
Below I have attached emails from XXXX XXXX that these items were challenged and a screenshot of my account showing negative items that has been intervene ( challenged ) with the credit bureaus by XXXX XXXX. Its underlined in yellow.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
On the evening ofXX/XX/2018 my husband was the victim of a XXXX computer scam. He realized immediately that he was being scammed and shut off our computer and called our bank. He could see that funds were being transferred from some of our accounts into our primary account that he hadn't done himself or authorized. The charges were pending and the representative from our bank said we had to come into a branch the next morning to open a new account and they would work on stopping the pending transactions. The dollar amount was {$660.00} that was pending on our account. The next morning at XXXX XXXX we went to the bank and opened a new account and was assured that our money would be secured and in our account within 48hrs. The charges stayed pending on the account from XX/XX/XXXX until XX/XX/XXXX. The charges then cleared our account Monday XXXX XXXX. After numerous calls to the bank the funds were finally put back into our account on XX/XX/XXXX. Then on XX/XX/XXXX they sent an email stating they were pulling the funds back out on XX/XX/XXXX as they didn't consider this to be fraud. I called them on XX/XX/XXXX and the representative I spoke to said the letter/email was wrong as the case was still showing as pending and it would be at least 45 days from XX/XX/XXXX before a decision was made. The 45th day would be XX/XX/XXXX. So that day came and went and we have heard nothing until today XX/XX/XXXX when my husband was checking our accounts and noticed they debited the closed account the {$640.00} on XXXX XXXX.We received nothing stating they closed this case and were going to do this. My husband called and was transferred go 4 different representatives and got nowhere other then hearing it was a final decision and we need to make payments to cover this. We didn't receive an email, letter or phone call and would have never known if my husband hadn't noticed this on the old account.

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 2018-08-14 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: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX refuses to provide my consumer report to me. I am trying to request my report to verify that all of the fraudulent information has been removed from my report, as stated from EWS they stated in several letters the fraudulent information was blocked, however i am trying to confirm. I did attempt to request the report by the online portal, by phone. It seems that no one is willing to assist me in obtaining a copy of my report. I have a legal right as a consumer to request a report. Please review and send me a copy of my report by email, and please confirm that XXXX XXXX XXXX XXXX is not listed on my report. They have attempted to add numerous fraudulent accounts to my credit reports and i want to confirm if they are on my EWS report that these are blocked as fraudulent. I never opened any accounts with them, never opened membership and did not authorize any accounts with their institution. I have sent them an FTC Affidavit and notified the local police department, yet someone within XXXX XXXX continues to use my information. I do not know whom in their institution is fraudulently using my information but it concerns me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc.
State: SC

Complaint narrative:
I have sent multiple letter asking Consumer Portfolio Service to validate and show proof that I was late on any payment when I have an account with them. They are report to the three major credit bureaus that I was late on my payment XX/XX/XXXX. The account was setup for direct payment and was taken out of my account on XX/XX/XXXX. Which was well before the payment was due. I have called and sent letters to the company to send me proof of late payment. I was told by phone rep that would get back to me and I have yet to hear from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
gm financial has failed to correctly report a paid off / paid in full as agreed auto loan account for 8 months. My credit report still shows and open unpaid load since XX/XX/2017. I have contacted GM Financial 3 times to resolve the issue. I was told GM Financial switched their credit reporting software and were fixing issues that occurred where accounts were incorrectly or not reported to the credit reporting agencies. Each time I called them I was told they put in a ticket internally to get it fixed. It is still not fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX is showing a hard pull for dates as follows of which I didn't give permission for these inquiries ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please, correct this information. Thank you, 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 2018-08-14 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: TN

Complaint narrative:
XXXX XXXX sold my old account to a collection service. I hired XXXX XXXX in XX/XX/2017 and disputed the collection account. It was removed in XX/XX/XXXX/XX/XX/2017 from all credit reporting services. Most recently the account was sold to another agency XXXX XXXX XXXX in the amount of XXXX. They are attempting to collect a debt that was already disputed and found in favor of me the consumer and dropped from my reports. It has now been added once again under a new firm. I called and explained this to them and they acknowledged the dropped dispute but then proceeded to try and tell me this was for a second line. They provided no proof and i was never notified of such an account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
On XX/XX/2018, I received a letter from XXXX XXXX stating that I owed a debt from XXXX XXXX in the amount of { {$640.00} }.  XXXX XXXX agrees to settle the debt on XXXX XXXX behalf for {$540.00} in three payments on the following dates XX/XX/2018,XX/XX/2018XX/XX/2018. On XX/XX/2018, I completed the debt as agreed. XXXX XXXX stated they would contact all three credit bureau to update my credit and they would send a letter/notification to XXXX XXXX that the debt has been settled. I call XXXX XXXX to follow-up informing them it has been more than 30 days since this debt has been paid, and they have not sent the correct information to XXXX XXXX nor have they updated the three credit bureaus. XXXX XXXX is clearly in violation of the law by reporting incorrect information to the credit bureau. This debt should not be collectible, as I have completed the agreement of the settlement. I have called XXXX XXXX numerous times speaking with supervisors who have stated they would send a letter to XXXX XXXX, myself and also update the three credit bureaus, which they have fail to do. This company continues to hold my credit hostage and to violate the law.

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