vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-28 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: AL

Complaint narrative:
On XXXX XX/XX/2019 XXXX XXXX filed for Chapter XXXX Bankruptcy in Arizona ( Case No XXXX ). XXXX XXXX XXXX received a Chapter XXXX bankruptcy discharge on XXXX XX/XX/2019. As you are aware the discharge prohibits any attempt to collect from the debtor a debt that has been discharged. In a case involving community property : There are also special rules that protect certain community property owned by the debtor 's spouse, even if that spouse did not file a bankruptcy case. At the time of filing XXXX XXXX XXXX, was married to XXXX XXXX XXXX. The bankruptcy case for XXXX XXXX XXXX listed all community assets as part of the bankruptcy estate. In this case the discharge operated as a community discharge where community claims were discharged for the non-filing spouse. Under Section 524 of the Bankruptcy Code, creditors of the debtor and the non-filing spouse who have a community claim on the date of the filing of the bankruptcy case are barred from asserting a claim against after acquired community property. The resulting Chapter XXXX discharge operated as a community discharge of the community debts. Please be aware that an attempt to collect a discharged debt from the community property from the non-filing spouse violates the discharge and you may be required to pay damages and attorney 's fees to the debtor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ARC Management Group, LLC
State: TX

Complaint narrative:
I CALLED ARC MANAGEMENT ON XX/XX/2019 TO ASK THEM WHY THEY PUT AN ACCOUNT ON MY CREDIT REPORT THAT WAS TAKEN OFF ON XX/XX/2019. SHE PRECEDED TO TELL ME THAT I HAD 19 CASES COME  THROUGH HER OFFICE. I TOLD HER THEY ARE NOT ON MY CREDIT REPORT AND AREN'T RELEVANT TO THIS CONVERSATION. I TOLD HER THAT SHE WAS TALKING TO ME LIKE SHE HAD NO PATIENCE TO HELP ME WITH MY PROBLEM. I ASKED IF THE CALL WAS RECORDED BEFORE THE LADY TOLD ME THEY SOLD THE DEBT BACK TO THE ORIGINAL CREDITOR. I THEN ASKED WELL WHY DID YOUR COMPANY PLACE IT BACK ON MY CREDIT REPORT IF YOU DON'T OWN THE DEBT ANYMORE. I ASKED IF THIS WAS ILLEGAL AND THE LADY SAID IT WASN'T ILLEGAL TO REPLACE A DEBT THAT WAS DISPUTED AND TAKEN OFF THE CREDIT REPORT. I WANT THIS DEBT OFF MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XXXX XXXX and XXXX XXXX 2018 someone put in for credit cards/ airline to Syncb in XXXX . I have been breached and I.D theft in the past. I called them but no record of me whatsoever. So I tried to dispute with XXXX/ XXXX XXXX. But have been going back and forth to no avail. It has been 2 hard inquiries on my credit report that are not mine and hurt my score. I had around 15 items taken off so far due to Fraud.  This is also fraudulent as I have never had a credit card nor plan to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-28 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: DISCOVER BANK
State: FL

Complaint narrative:
INQUIRY I DONT RECOGNIZE BEING REPORTED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
XXXX XXXX is my favorite credit card. I worked hard to pay down my balance. Even during the government shutdown I managed to maintain payments. 

I noticed when I submitted a dispute regarding an delinquency. My account was closed. Ive worked hard to keep this account opened for an opportunity to increase my credit limit. Im very disappointed. As Ive been a great patronage and what like a reason for this action and an opportunity to redeem myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I paid my debts off to Ad Astra Recovery Services and they refuse to take the debt of credit. I also called XXXX and they refused to help me. They assured me that they would get these collections off my report, but they refuse to do their part after I paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
INQUIRY I DONT RECOGNIZE BEING REPORTED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
INQUIRY I DONT RECOGNIZE BEING REPORTED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account. 
I am a victim of the eXXXX XXXX XXXX. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account. 
I am a victim of the equifax data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. 

According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this trade mark being reported to all major credit reporting agencies. Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
I dont recognize the company of XXXX XXXX XXXX that claims I owe {$68.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-28 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: Insikt, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I had went to see if I can get a quickloan just to boost my credit score alittle up, we got the application part when i realized I left my state id ( wallet ) in my car which they needed for the application once I gave them my id and they took my info I got a notification on my phone that my credit score dropped down 94 points, which I never authorized them to run my credit or never even got to that part, i called they're company and talked to mostly even department they've transfer me too and still nothing. The company is " XXXX XXXX "

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: CO

Complaint narrative:
I received an email from Equifax several weeks ago, advising me to enroll in their " Boost '' program, which, according to the email, would raise my credit score. I completed the information requested, and my credit score DROPPED 47 points immediately. I have contacted Equifax, and was told they are unable to tell me why this happened. All they wanted to do was to sell me a copy of my credit report. There is NO reason my score should have dropped. It went from XXXX to XXXX in a matter of minutes, with zero explanation. Can you help me find out what is going on? 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I got a card with Synchrony Bank for XXXX XXXX in XXXX. I put {$40.00} on the card and immediately tried to pay it off, scheduling it for the bills due date, XX/XX/XXXX. Despite having enough money in my checking account, the payment was never even completed. I was never notified that that didnt go through and then I purchased about {$80.00} worth of clothes, not knowing my balance wasnt paid and then when my XXXX bill rolled around, I was notified from XXXX XXXX that my credit score went down over 120 points and that my balance was over {$100.00}. I immediately went to pay it and the late fee which made my balance {$160.00}. Days went by and I decided to log in to make sure payment went through, it did not. I, again was never notified when I should have been. So I did the live chat and they said they would remove the fee because I had proof it was not my fault. So a few days ago I made a payment for my total balance of {$130.00} and it is saying my payment is completed and processed but the money is still in my account and it is saying my card still has a balance. I want no more parts of this bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX XXXX XXXX. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: Insikt, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I had went to see if I can get a quickloan just to boost my credit score alittle up, we got the application part when i realized I left my state id ( wallet ) in my car which they needed for the application once I gave them my id and they took my info I got a notification on my phone that my credit score dropped down 94 points, which I never authorized them to run my credit or never even got to that part, i called they're company and talked to mostly even department they've transfer me too and still nothing. The company is " XXXX XXXX  "

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I was promised that after paying my debt, that this collection would be taken off my credit report and it hasnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: FL

Complaint narrative:
I sent my paperwork to XXXX  XXXX in XXXX for Public Loan Service Forgiveness. They approved my employers and pulled my account from XXXX ( who had everything in order ). I tried calling them to check status a few months later and they told me it could take up to a year or more and I wasn't a priority. It is now XXXX and I still have no idea where I am at with the 120 payments. In addition, I sent my Income Based Repayment paperwork to them last month and haven't heard anything on that either. I am concerned because I have read complaints that this paperwork doesn't get completed timely either. I do not want to put my loans in forbearance because they can't keep up with paperwork.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Dear XXXX XXXX XXXX XXXX : I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: PA

Complaint narrative:
Equifax has received two letters on XX/XX/2019 and XX/XX/2019 Respectively. I ask for the verification on a supposed bankruptcy that is on my credit report. They came back that it was verified per XXXX XXXX. They refused to provide me the person, address and the person of whom they spoke to, to verify this. They have violated the Per the FCRA 623 ( a ) ( 5 ) : I have written prove that it does not exist on my XXXX XXXX  file. Therefore it should be removed immediately..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: CA

Complaint narrative:
This purpose of this letter is to request assistance in recovering {$4000.00} from Chase Visa for an unauthorized and invalid charge. 

According to Chase Visa 's supervisors, Chase 's Disputes mishandled my dispute by not reviewing it carefully, continuing to request information, and allowing so much time to lapse that they dismissed the clai. 

My claim for a refund of {$4000.00} is valid because I did not receive the services as described and which the vendor agreed to. 

XX/XX/2018, I hired XXXX XXXX to redesign the color 8-course graphics. However, that is not the work she presented. 

XX/XX/2018, In an email, XXXX XXXX admitted that she did not complete the work for which she was hired, and she apologized. 

XX/XX/2018, However, within 24 hours of her apology, XXXX XXXX quit. She did not attempt to remedy the situation within 48 hours, as her contract promises. 

XX/XX/2018, XXXX XXXX helped herself to {$4000.00} of my {$7100.00} deposit without providing any design products or accounting for her time. 

I have nothing to show for the {$4000.00} withdrawn from my Chase Visa account. 

Despite the fact that Chase Visa was provided with reams of detailed documentation and two letters from an expert in the field of design validating that the services described were not delivered, Chase Visa has failed to keep their agreement to provide me with cardholder protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: IL

Complaint narrative:
My identity has been compromised, and that lead to unauthorized accounts on my credit report, accounts such as 1 ) XXXX XXXX {$490.00} 2 ) XXXX XXXX XXXX {$270.00} 3 )  XXXX XXXX XXXX 4 ) XXXX XXXX XXXX {$390.00} 5 ) XXXX/ XXXX XXXX XXXX Please investigate this and send me the Method of Verification used, or remove the accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: IL

Complaint narrative:
My identity has been compromised, and that lead to unauthorized accounts on my credit report, accounts such as 1 ) XXXX XXXX   {$490.00} 2 ) XXXX XXXX XXXX {$270.00} 3 ) XXXX XXXX XXXX 4 )  XXXX XXXX XXXX {$390.00} 5 ) XXXX/  XXXX XXXX XXXX Please investigate this and send me the Method of Verification used, or remove the accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28 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: IL

Complaint narrative:
My identity has been compromised, and that lead to unauthorized accounts on my credit report, accounts such as 1 ) XXXX  XXXX {$490.00} 2 ) XXXX XXXX XXXX {$270.00} 3 ) XXXX   XXXX XXXXXXXX 4 ) XXXX XXXX XXXX {$390.00} 5 )  XXXX/ XXXX XXXX IN Please investigate this and send me the Method of Verification used, or remove the accounts immediately.

Company response to consumer: Closed with non-monetary relief