vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-29 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquiries regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also, future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. 
My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Oh XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I need XXXX XXXX, XXXX, and XXXX XXXX to OPT OUT my name and information from all their products and remove the inaccurate information. I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute.

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 2018-11-29 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: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
My mortgagee " XXXX XXXXXXXX XXXX '' - SLS, was notified in writing by me that my balance was incorrectly increased from $ XXXX to $ XXXX, and that my payment history was incorrectly reported from XX/XX/XXXX to XX/XX/XXXX by showing I was 150+ days delinquent. Received letter from SLS, after filing dispute with XXXX of Colorado, that they made a mistake, and all payments were " Paid as agreed. 
My credit report was never corrected by SLS as of XX/XX/XXXX. 

Needs correcting to remove negatives scoring on my FICO reports for both XXXX  and 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 2018-11-29 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Made a purchase on the Synchrony Bank with a merchant for some auto parts, after the merchant failed to deliver the parts as promised, I cancelled the order and notified Synchrony Bank to which they placed the item in dispute.

The merchant then sent parts, the wrong parts of course and stated he sent them, told the merchant the order had been cancelled, they were the wrong parts and I purchased the parts directly from the dealer.

Synchrony bank returned the money to the merchant despite the merchant admitting he got the parts back and said he would refund the money that day and he did not and clearly never intended to do so.

Synchrony Bank incorrectly refunded the money to the merchant and is penalizing the me the customer despite the facts that the merchant sent the wrong parts AFTER they were cancelled and got the parts back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I have been requesting validation since XXXX of this year 2018. I have tried reaching out to all three ( 3 ) credit bureaus and also the creditors requesting validation. The credit bureaus failed to provide me with validation used to verify accounts reporting on their site. I have also reached out to all parties to have them validate the debt. The companies include Synchrony Bank/ XXXX XXXX , and Synchrony Bank/ Wal-Mart . I have asked for something bearing signatures or the original creditors documentation on file to verify that this information is mine or correct. The only thing I have received in return is card statements.This is not right persuant to Federal 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
Consumer complaint received 2018-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ON XX/XX/2018 RECEIVED AN ALERT THAT A CHANGE TO MY CREDIT REPORT HAD TAKEN PLACE! ... .INVALID INQUIRY ( LISTED ON CREDIT REPORT ) FROM APPARENT UNKNOWN RESOURCE!! I HAVE NO DEALINGS WITH COMPANY IN QUESTION. NO APPLICATION FOR EMPLOYMENT, CREDIT, ETC. EXIST!! 
INQUIRY LISTED AS : XXXX XXXX UTILITIES AND FUEL XXXX XXXX XXXX  XXXX XXXX, TX XXXX ACCORDING TO XXXX XXXX, NO RECORD OF SUCH ENTITY!

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 2018-11-29 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: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my

Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report
and other furnished Lexis Nexis, XXXX XXXX, XXXX inquiries regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also, future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. 
My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Oh XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I need Lexis Nexis,  XXXX, and XXXX XXXX to OPT OUT my name and information from all their products and remove the inaccurate information. I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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: IA

Complaint narrative:
EQUIFAX DISPUTES INQUIRES LISTED FROM THE BELOW COMPANIES ARE NOT FROM ME, I HAVE SENT SEVERAL DISPUTES AND YOU JUST REFUSED TO DO ANYTHING BUT SEND ME A CANNED STATEMENT, FEDERAL LAW STATES THAT FCRA MUST REMOVE INACCURATE INFORMATION FROM A CONSUMERS FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE NOT MINE, REMOVE FROM MY FILE AS STATED IN PRIOR COMPLAINTS XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX  was replaced by XXXX XXXX.XXXX XXXX will no longer exist on my credit report. But since XX/XX/XXXX all 3 credit bureaus are reporting both XXXX and XXXX accounts with the same information.Two accounts same balance but different names.I have disputed this information with all 3 credit bureaus twice and results are it belongs to me.I have contact both XXXX and XXXX, XXXX tells me to contact XXXX and XXXX tells me to contact XXXX.I got answer from XXXX starting XXXX will be deleted from credit reports XX/XX/XXXX still there as of now.But I have spoken to 3 managers at XXXX plus customer service over 9 times .Everybody there is giving me the runaround everyone keeps telling me different things I will receive a deletion letter concerning XXXX XXXX and they will send to credit bureaus. Now XXXX XXXX  has been telling me this since XXXX it's XXXX this weekend. I'm in the process of buying a home and my escrow is at a standstill due to wrongful information on my credit report. I asked XXXX can they send me a letter saying that XXXX no longer exist so my escrow for my home can continue never received nothing. XXXX XXXX  doesn't care about what they are doing to customers. But let me miss payments my credit limit will be lower or account closed.I am so stressed out and frustrated due to credit bureaus not listening to me and XXXX XXXX know they have been reporting the wrong information for months but they don't give a 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 2018-11-29 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: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX was replaced by XXXX XXXX.XXXX XXXX will no longer exist on my credit report. But since XX/XX/XXXX all 3 credit bureaus are reporting both XXXX and XXXX accounts with the same information.Two accounts same balance but different names.I have disputed this information with all 3 credit bureaus twice and results are it belongs to me.I have contact both XXXX and XXXX, XXXX tells me to contact XXXX and XXXX tells me to contact XXXX.I got answer from XXXX starting XXXX will be deleted from credit reports XX/XX/XXXX still there as of now.But I have spoken to 3 managers at XXXX plus customer service over 9 times .Everybody there is giving me the runaround everyone keeps telling me different things I will receive a deletion letter concerning XXXX XXXX and they will send to credit bureaus. Now XXXX XXXX  has been telling me this since XXXX it's XXXX this weekend. I'm in the process of buying a home and my escrow is at a standstill due to wrongful information on my credit report. I asked XXXX can they send me a letter saying that XXXX no longer exist so my escrow for my home can continue never received nothing. XXXX XXXX doesn't care about what they are doing to customers. But let me miss payments my credit limit will be lower or account closed.I am so stressed out and frustrated due to credit bureaus not listening to me and XXXX XXXX know they have been reporting the wrong information for months but they don't give a XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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: IA

Complaint narrative:
XXXX DISPUTES INQUIRES LISTED FROM THE BELOW COMPANIES ARE NOT FROM ME, I HAVE SENT SEVERAL DISPUTES AND YOU JUST REFUSED TO DO ANYTHING BUT SEND ME A CANNED STATEMENT, FEDERAL LAW STATES THAT FCRA MUST REMOVE INACCURATE INFORMATION FROM A CONSUMERS FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE NOT MINE, REMOVE FROM MY FILE AS STATED IN PRIOR COMPLAINTS TRANSUNION : XXXX XXXX XXXX XXXX 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 2018-11-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have requested a copy of my credit report and I still have not received the report. I am also unable to create an account through Experian to request a report or a dispute because the information showing on my credit report is so inaccurate that I can not give correct information and create an account. I have left 4 messages on their phone system for a phone call and no call has been returned. I was denied a mortgage loan due to the inaccurate information on my report. XXXX has contacted the lenders and provided me with a copy of all items that are not mine that are reporting on my report. The addresses on my report are not mine either as well as the birthdate. This was discovered the first of XXXX and the file attached was provided the first of 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 non-monetary relief
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.
State: LA

Complaint narrative:
I sent a validation letter to First Financial Investment Fund Holdings located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, pertaining to a medical bill in the amount of XXXX dollars that was placed on my credit reports. They have not provided the proof requested in the letter send on XXXX the XXXX, but instead continues to report the said debt monthly to each of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: American Payment Holdco, Inc.
State: IL

Complaint narrative:
XX/XX/2018. Went to a currency exchange and paid cash of {$1700.00} to be credited into my mortgage account, the currency exchange used the check free company to processed my money. The money never got to the mortgage company and I have called the company several times to resolve it to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I checked my credit score because I am looking to rent a house, and I saw this unrecognized name of a bank I haven't heard of before. I am reporting it as fraud because this wasn't me and I have never heard of this bank name before.

Inquiry from XX/XX/XXXX Bank This inquiry could stay on my credit card report until XX/XX/XXXX. 

Institution Information Brclysbankde XXXX, DE 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 non-monetary relief
Consumer complaint received 2018-11-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I got the card in XXXX and have carried a balance much of the time, paying their usurious 24.74 % interest that I agreed to. ( {$320.00} in interest in XXXX alone ) On XX/XX/XXXX, when my balance was {$3000.00}, I made an electronic payment of the same amount, which should have brought my balance to XXXX. 

When I received my next statement on XX/XX/XXXX, it showed that I had paid the balance in full, but added an additional {$33.00} in interest. 

I called the company and asked them to retract this charge on the basis of customer goodwill and my tenure with them. They told me that they would not and there isnt anyone that I can talk to or write a letter to. They would not provide a name or phone for anyone, including the VP of customer service or the CEO. I WAS TOLD THERE IS NO ONE ELSE IN THE ENTIRE COMPANY THAT CAN TALK TO ME OR HELP ME. 

I understand capitalism and the desire of large corporations to make a fair return on their investments. However, when companies are this arrogant there is typically some other dynamic going on. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I have submitted multiple validation letters since back in XXXX of this year 2018. Letters went to XXXX  XXXX XXXX XXXX requesting they validate the debt that they have listed on my credit report along with XXXX XXXX XXXX . XXXX XXXX XXXX   responded advising that debt was now XXXX XXXX XXXX yet neither of them could validate the debt in question. They both are showing on my credit report as a debt being owed in the amount of XXXX. It is impossible to owe two different companies for the same debt yet neither of them can bear signatures or original creditor documentation. I received a response from XXXX XXXX XXXX as well which did not show any info advising that the account is even my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: MN

Complaint narrative:
Saw debt on my credit report, reached out to the company and requested : the following substantiation in my letters, : the name and address of the original creditor ; the date on which the alleged debt was incurred ; an itemization of the debt ( i.e., what portion of the total amount constitutes principal, interest, fees, other charges ) ; a summary of the payment history on the debt ; a copy of the applicable contract giving rise to the debt ; and a copy of the underlying account statement and other writt and they have failed and broken all sorts of laws

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 2018-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
The collection agency keeps reporting a XXXX account as mine after I filed a police report and affidavit and faxed all information to them. It added this account twice and now my credit has went down

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
CAPIO PARTNERS LLC XXXX attempted to collect a debt thats not owed. 
reporting medical info on my credit report to XXXX  and XXXX. 
XXXX {$900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have a debt collection recently added to my account, but I do not know what it is. I contacted the collection agency and the information they provided is not mine. The first time I heard about this debt was when I saw it on my credit report. I disputed this with the credit bureaus and XXXX  denied the claim whereas XXXX  removed it from my credit report. 

COMMONWEALTH FINANCIAL SYSTEMS Account Name Collection Account Type Individual Responsibility XX/XX/2018 Date Opened Collection account. {$710.00} past due as of XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My Capital One QuickSilver credit card was charged a fraudulent charge on XX/XX/2018 in the amount of {$40.00} from XXXX XXXX. The account was credited {$40.00} ( in green on my transaction history ) on XX/XX/2018 but, the credit hasn't been applied back to my available credit. I contacted Capital One customer service today ( XX/XX/2018 ) and spoke with a representative in CS that stated the credit wasn't applied to my account balance that then transferred me to a another representative in the Fraud Department that spoke 100 mph. I could barely get a word in and I found myself interrupting the representative to get my questions answered but, nothing was resolved. Again, no clear expectations or timeframes. I think the answers to my questions weren't clear. Then the representatives phone HUNG UP abruptly. I need a clear deadline on when the credit will be applied back to my account. Its been almost 7 days. If Capital One has a 0 liability policy to customers on fraudulent transactions why is it taking 7 days to apply a temporary credit to my account. This experience puts a bad test in my mouth. Capital One is a large company and should implement better measures to assist customers in this situation.

Company response to consumer: Closed with explanation