vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-14 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: NY

Complaint narrative:
I have ordered a credit report while purchasing a new car. 
My credit report shows that I have unpaid medical debt in collection in amount of {$170.00}. 
I never have received any bill for {$170.00} recently from anyone for my medical services and never received any letter from any collection agency that I owe anything to anyone. The credit report does not show who has submitted the debt for the collection, neither the name of the collection agency. How can I obtain such information?

How to remove the incorrect data from my credit report?

Regards, 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 2020-09-14 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: CA

Complaint narrative:
I applied for a XXXX  credit card a few weeks ago and today XX/XX/20 I received a letter in the mail stating that the reason I was not approved for the credit card is because there are accounts in negative standing appearing on my credit. I didn't know what accounts they were referring to as I looked through my credit report and I saw two accounts that are not mine. The account names are XXXX XXXX XXXX and XXXX XXXX XXXX. Neither of those accounts belong to me ; I did not open them and I did not give anyone permission to open them in my name. I do not have any type of written or verbal contract with those companies nor did I benefit anything as a result of those accounts being open in my name such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts. I have already filed a complaint with the Consumer Financial Protection Bureau as well as a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a credit card issed from JCP Mastercard. It started as a store card then they gave me a JCP credit card. I have been a member since 2015 never missed a payment. They increased my credit limit. Now because of COVID-19 money is even tighter. I still have not missed a payment. I called, Monday XX/XX/XXXX at XXXX pm, to see if they could work with me and give me a lower interest rate. Their intrest rate is 25.99 % I asked if they could lower it. They said no. I asked is their anything they can do for me. They said defer payment for one month. I asked if I would be charged interest that month. Yes, I will still be charged interest. I said is their anything they can do to help their customers hurting financially from COVID-19. Defer payment one month, that is all. I wanted to file a complaint. He said I could file a complaint but there was no one to turn in it to it would just be kept on their file. 
Under the circumstances of everyone hurting with less or no work I feel like their should be more options to help customers not default on payment. I feel like they are taking advantage of people.

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 2020-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I applied for a XXXX  credit card a few weeks ago and today XX/XX/20 I received a letter in the mail stating that the reason I was not approved for the credit card is because there are accounts in negative standing appearing on my credit. I didn't know what accounts they were referring to as I looked through my credit report and I saw two accounts that are not mine. The account names are XXXX XXXX XXXX and XXXX XXXX XXXX. Neither of those accounts belong to me ; I did not open them and I did not give anyone permission to open them in my name. I do not have any type of written or verbal contract with those companies nor did I benefit anything as a result of those accounts being open in my name such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts. I have already filed a complaint with the Consumer Financial Protection Bureau as well as a police 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 2020-09-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for a XXXX credit card a few weeks ago and today XX/XX/20 I received a letter in the mail stating that the reason I was not approved for the credit card is because there are accounts in negative standing appearing on my credit. I didn't know what accounts they were referring to as I looked through my credit report and I saw two accounts that are not mine. The account names are XXXX XXXX XXXX and XXXX XXXX XXXX. Neither of those accounts belong to me ; I did not open them and I did not give anyone permission to open them in my name. I do not have any type of written or verbal contract with those companies nor did I benefit anything as a result of those accounts being open in my name such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts. I have already filed a complaint with the Consumer Financial Protection Bureau as well as a police 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 2020-09-14 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: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
on XX/XX/XXXX, I started a Identity theft claim and all fraudulent activities were removed. aout 6 months later a creditor put the debt back on my credit profile. I called the creditor on XX/XX/XXXX and immediately disputed it. I spoke to XXXX XXXX XXXX XXXX at XXXX XXXX and was advised to send Identity theft report to her and I did on XX/XX/XXXX. They Acknowledge receiving it on XX/XX/XXXX and It is now XX/XX/XXXX and I haven't received a resolution. I told Ms. XXXX that XXXXMW Financial Services were involved in Fraudulent Activities and they should look with-in BMW. I contacted XXXX Credit Bureau Fraud Department and was advised to send them the Identity theft paperwork and I did. No one in BMW will contact me, XXXX Credit Bureau will not remove this fraudulent item from my credit report that is derogatory {$83000.00} charge off. BMW is billing someone else name under my social security number and I have sent all the information that is reequired. My latest call was to XXXX Customer service Fraud department. Spoke to XXXX and said there is nothing she can do. just keep disputing it. That doesn't help. Its currently negatively affecting my credit. As I have mentioned to XXXX Several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I noticed a fraudulent charge on my credits reports in the amount of {$510.00}. Please be advised that I am not aware of this charge nor did I give any consent to anyone to charge or use my account. I am currently trying to refinance my place and this is affecting my scores. I would greatly appreciate it if this charge can be moved out of my report right away. 

Thank you for your attention towards this urgent matter

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 2020-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I paid off my loan with gm financial but it still says open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I AM LOOKING AT MY CREDIT REPORT AND I AM INFORMING YOU GUYS THAT I AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS OR INQUIRIES DO NOT BELONG TO ME. I HAVE NO IDEA HOW THESE ACCOUNTS WERE AUTHORIZED. REMOVE THEM BC THEY ARE NOT MINDS.

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 2020-09-14 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I AM LOOKING AT MY CREDIT REPORT AND I AM INFORMING YOU GUYS THAT I AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS OR INQUIRIES DO NOT BELONG TO ME. I HAVE NO IDEA HOW THESE ACCOUNTS WERE AUTHORIZED. REMOVE THEM BC THEY ARE NOT MINDS.

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 2020-09-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: The Home Loan Expert LLC
State: IN

Complaint narrative:
Someone on XX/XX/2020 tried obtaining a home loan without my knowledge or consent. I tried calling XXXX  and they would not help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Although my XX/XX/XXXX Experian Credit Report shows ample credit ... Experian has given me a 0 FICO Score ..The Experian site also states I that I also have a 0 FICO score with all 3 credit bureaus as well which is not accurate and can be verified. I have tried numerous times from XX/XX/XXXX to today, XX/XX/XXXX to Experian by phone and email to no avail. The one time after 2 hours and 3 transfers I did reach a live person ... she couldnt help me other than to tell me to file a dispute online. Experian dispute choices do not grant me the choice to dispute my type of problem. I have tried in other ways only to receive automated responses as to what could cause a 0 FICO Score.. non of which apply to my plight. This dilemma has caused me to be denied 2xs for  credit which not only is a grave inconvenience but a blemish on my credit 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 2020-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Synchrony/JCP lowered my available credit without any knowledge to me or consent by me. I have been a cardholder over 8 years. I have never had a late payment. They did not call, email, or mail a letter pertaining. They have no idea what my scenario is as to why i have not used my card. Were they aware that the store in my town closed and that prior to closing it was a disaster to go to making it not worth my whole. Were they aware that i am an essential worker working all thru covid with little free time to be able to shop in another town or even online? Basically, they do not care about me as a consumer, and because of that, they have annihilated my credit score by 46 points ; this is detrimental to my credit, and i am in the process of refinancing my home. Because of this and my what-was beautiful credit score of  well over XXXX, i can not do so now.

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 2020-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My credit reporrt is showing Late XX/XX/XXXX and XX/XX/XXXX My accounts are on auto draft and I have never paid late and all payments come out of my accoynt every month as sheduled I was never notitified that my account was delinquent

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 2020-09-14 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: FL

Complaint narrative:
I was informed of an account open without my knowledge. I filed an FTC report and a police report and submitted a dispute to Equifax on XX/XX/XXXX under conformation number XXXX regarding an XXXX being on my credit report, an account that I was not aware of, and XXXX XXXX XXXX, which is an account they have listed shows a XXXX XXXX which is not my name. I provided my Passport along with SS Card to Equifax. 

On XXXX XXXX. I received an email from Equifax that they had completed the investigation and both was reported as verified and remains on my account. 

On XX/XX/XXXX, I contacted Equifax to asked what information was provided by the creditor that this was my account. I was told it was not the creditors responsibility to provide proof and that my FTC report did not have the account number for XXXX. How do I'm suppose to know an account number for an account that I have no knowledge of. 

There was no proper investigation that took place within 5 day and there is no record of the other party responding within 5 day. 

I was told that I have to submit another dispute regarding the account again that would take another 30 days and update my FTC report. 

I've contact FTC and providing an updated FTC report. and police report. Police report has blacked out my name and address due to Identity Theft according to XXXX XXXX Police Dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with fraud alerts or security freezes — 
Company: Kashia Services
State: IN

Complaint narrative:
On XX/XX/2020 someone tried getting a personal loan using my personal info with my knowledge or consent. I tried calling XXXX   to help fix this but to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: TX

Complaint narrative:
An Auto Loan by XXXX XXXX XXXX was made to myself. After 3 years, I realized that after submitting the following information, XXXX AND XXXX have removed the negative information from my report. I need for EXPERIAN to do the same. 
ATTACHMENTS WITH ALL INFORMATION NEEDED. 

This item Account paid in Full ; was a Charge-off reported by XXXX XXXX XXXX # XXXX is inaccurate and incorrect. 

XXXX XXXX XXXX XXXX recognizes the above referenced account as paid in full on XX/XX/2016 The information on my credit report is inaccurately stated and reported by XXXX XXXX XXXX, proof of which is the attached letter sent by said bank regarding my account. 

The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the item be removed.

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 2020-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WLCC
State: IN

Complaint narrative:
On XX/XX/2020 someone without my knowledge or consent tried getting a personal loan in my name using my personal information I tried calling transunion to help with this to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
My chase credit card was stolen on XX/XX/2020 and used in person ( actual physical chip ) at XXXX near my house to purchase two prepaid visa gift cards. The transaction was not flagged as suspicious despite this not being a typical charge I would make, my card not being signed on the back, and a tall white male using the card whilst I am a female. It is my belief that the card was returned to my possession so as not to alert me that it had been stolen. This tactic worked, because I was none the wiser and used the card several times after this fraudulent transaction. I noticed the charge on my mobile banking app a few days later, and immediately called Chase to report it. I thought at the time, that it had been hacked. They refunded the amount and I thought the case was closed. About one month later, the charge was re-billed. I contacted chase card services and was told that an investigation revealed that it was not fraudulent. I then contacted the merchant through which the charge was made, and they pulled video footage from the date and time the purchase was made. A person who is not me was clearly seen making this transaction. I called the police at that time and made a formal report claiming that my card was used without my consent by this person. I then told the police that I suspected it was a local man with which I had gone to high school with and had known criminal history. The detective assigned to the case informed me that he shared my suspicions and that this person would be charged with theft and identity theft. Chase card services has been nothing but rude and ruthless in their denials of my fraud claims, ultimately ruling five times that this credit card transaction was NOT fraudulent and I am responsible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I opened a checking advance account with HSBC on XX/XX/2020 and I was told I would get a {$220.00} welcome deposit for starting a new Advance checking account. The account ends in XXXX. I was told that in order to qualify I must set a direct deposit and deposit at least {$500.00} for 3 consecutive months and I would get {$220.00} deposited into my account 8 weeks after all qualifying activities. I called on XX/XX/2020 and spoke with XXXX  ref XXXX and he said by end of XXXX I should see the deposit. Then I called on XX/XX/2020 XXXX ref XXXX and he said by mid XXXX should see deposit into my account. It already has been 5 months since I opened account and I don't see the deposit I was promised. I have been told many promises but nothing so far. Please provide credit to my account as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: WI

Complaint narrative:
I called Equifax today regarding my credit freeze and fraud alert to confirm these were in place for my protection, that part of my call was completed, unfortunately I was transferred to the dispute department to address the fraud and errors on my report and to dispute a claim from XXXX XXXX XXXX XXXX that was fraudulent on my report. The representative I was speaking to was not helping me or cooperating with me. I asked for a supervisor and was put on hold for 20 minutes, finally he came back and indicated that he finally got a supervisor named XXXX on the phone, both were on the line and as the first rep released the call the supervisor ruefully put me on hold for 15 minutes without speaking to me or taking my call then just put me into the survey system without ever taking my call. I received no customer service from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Altitude Community Law P.C.
State: TX

Complaint narrative:
Altitude Law, XXXX XXXX constant harassment regarding alleged debt not owned. XXXX XXXX represents XXXX XXXX XXXX which has failed to provide proof of payment Misc Expenses on behalf of XXXX XXXX. XXXX XXXX XXXX is billing for XXXX XXXX reserve with no account for the reserve account.

Company response to consumer: Closed with explanation