vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-05 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: MS

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX XXXX XXXX {$270.00} US DEPT ED XXXX {$3800.00} USDOE/XXXX XXXX {$17000.00} XXXX   XXXX {$760.00} XXXX XXXX XXXXXXXX {$950.00} XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$17000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX {$0.00} XXXX XXXX   XXXX {$1600.00} XXXX XXXX {$4700.00} US DEPT ED XXXX {$2500.00} US DEPT ED XXXX {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: VA

Complaint narrative:
On XX/XX/2020 I was quoted closing costs of {$8500.00}. Then my lender went silent. Communications from me were not returned, no one could explain what was happening and my closing date of XX/XX/2020 came and went without an update on why it was not met. On XX/XX/2020 I received loan disclosures citing my closing costs were now {$11000.00}. I attempted to call and ask why the price had increased {$3000.00} and no one was able to explain anything. Upon my own research, {$3000.00} had been added for mortgage points that had NEVER been discussed with me. Here we are on XX/XX/2020 and I still have not closed on my house, I have not received updates, and still do not know when I will close. This company has been unprofessional, unorganized, and this process has been a nightmare. I have had to provide copies of documents MULTIPLE times as it seems they are never given to the appropriate party. My appraisal wasn't even scheduled until XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX had a scammer hack my account information and deposited a fake check then wired him self money then the bank is trying to tell me to pay it and the fraud department will not take care of the issue at USAa XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My Credit last year was XXXX until late 2019. At that times, I saw my score drop below XXXX. It was all due to a Old Navy Card Visa that I never even activated. I made one purchase on-line with the card, and paid it off in full. In case I missed any balance, I put it on auto-pay. Apparently there was some kind of {$12.00} charge after I paid off the purchase I made. I did not open bills or emails from Old Navy because I had not shopped there and it was on Auto Pay. I finally realized there was a {$12.00} charge ( not from purchases ) that had become delinquent when my credit score went down. I talked to a representative at length and explained it. My bank info was in the system, so there was no explanation why auto-pay did not pay it. I spoke with representatives several times to explain the situation, and demanded that the error be corrected on my credit report. I was assured that it would be. Now, here we are into XXXX, and this credit card account is still reporting delinquencies for XXXX and XX/XX/2019, and my scores are still below XXXX to no fault of my own. This mistake is the only blemish on my credit report in nearly 20 years of perfect credit history.

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 2020-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
Due to COVID I have been furloughed since XX/XX/2020. I have been in constant communication with 24/7 Advance Financial and revoked all auto pays. This company has taken money out of my account on two separate occasions that I did not authorize and I now can not pay my rent nor feed my children. 
XX/XX/2020 POS Debit - Visa Check Card XXXX - ADVFINANCIAL XXXX TN POS - {$190.00} ( Unauthorized ) POS Debit - XXXX Check Card XXXX - AdvFinancial XXXX TNUS POS - {$360.00} ( Unauthorized )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had several retail credit cards issued by Synchrony Bank. Every credit card account in excellent standing and half of these accounts, if not more paid in full with no unpaid balances. On XX/XX/2020, Synchrony Bank closed ALL the accounts. When I called, they placed blame on XXXX and stated the agency contacted them and shared issues on my credit report. I contacted XXXX and they indicated that they do not report issues ( which I had no issues ) to credit issuers. I called Synchrony Bank back and all they continue to tell me was that I would receive letters in the mail explaining why! Well, two weeks later, I began receiving letters. Many the same explanation that I am a HIGH RISK of not being able to pay, even though I have shown excellent payment history! Other letters were complete inaccurate. Some stating account closed due inactivity. This information is completely false! I also received a letter for one of my accounts stating no activity over a 12 month period. Again, completely false information. The account for that particular letter was a new account not just barely opened 6 months. This type of business practice that Synchrony is doing to hundreds upon thousands of customers is wrong and they should be investigated! My credit over all is ruined because of synchrony bank. My credit score reflects my credit utilization is at MAX. I made many attempts to at least have my interest rate lowered and or completely removed since they closed my accounts AGAINST my will but still expecting to pay their high interest rates! In this current economy, people are struggling and yet this institution continues this in order to stay profitable. Something must be done!!

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 2020-08-05 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: MS

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX XXXX XXXX {$270.00} US DEPT ED XXXX {$3800.00} USDOE/XXXX XXXX {$17000.00} XXXX XXXX {$760.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX {$0.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX {$4700.00} US DEPT ED XXXX {$2500.00} US DEPT ED XXXX {$4500.00}

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 2020-08-05 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: MS

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX XXXX XXXX {$270.00} US DEPT ED XXXX {$3800.00} USDOE/XXXX  XXXX {$17000.00} XXXX XXXX {$760.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX {$0.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX {$4700.00} US DEPT ED XXXX {$2500.00} US DEPT ED XXXX {$4500.00}

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 2020-08-05 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 the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: FIRST NATIONAL BANK OF PENNSYLVANIA
State: GA

Complaint narrative:
First National Bank of PA is a bank that I have a line of credit with. My payments are on time and I have a co-borrower who is in bad straits with FNB of PA. He signed as a co-borrower when I needed help. That was 7 years ago and the account has been paid as agreed. 

Now I find out that my credit is suffering because they are reporting this as an adverse account with late payments when are are none. This is because the co-borrower is in trouble with the same bank. 

I asked them to remove the co-borrower to get rid of the bad reporting on my credit and they are ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX to present. Creditor, XXXX XXXX XXXX XXXX, is reporting outdated information in remarks which are reflected on TransUnion LLC credit report. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : AUTOMOBILE Balance : {$0.00} Date Updated : XX/XX/XXXX Last Payment Made : XX/XX/XXXX High Balance : {$19000.00} Pay Status : Current Account Terms : Monthly for 60 months Date Closed : XX/XX/XXXX Remarks : CH XXXX REAFFIRMATION OF DEBT ; CLOSED XXXX XXXX - XXXX. XXXX, XXXX is reporting in comments that the account was reaffirmed in a Chapter XXXX ( filed XX/XX/XXXX and discharged in XX/XX/XXXX ) and the account is closed. Credit reporting agency is showing these credit comments. 
XXXX XX/XX/XXXX Credit Reporting Agency and Creditor were requested via telephone call and dispute process to remove the outdated remarks being reported. A Chapter XXXX was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Creditor account was opened in XXXX and paid in full in XXXX. 
XXXX XX/XX/XXXX Creditor phone call regarding email. Creditor refuses to remove remarks because they claim it is accurate. The information is outdated and reflects a Ch XXXX after 10 years and discharged. 
_______________________________________________________________________ XX/XX/XXXX Credit reporting agency continues to show the remarks from the creditor who refuses to remove the remarks and the remarks are reflecting outdated information about a Chapter XXXX over 10 years old. 
_______________________________________________________________________ Per the Fair Credit Reporting Act, consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old or bankruptcies that are more than 10 years old. In  this case, they are reporting the remarks from the creditor that shows CH XXXX bankruptcy after 10 years discharged. The creditor and the credit reporting agency will not remove the outdated bankruptcy Chapter XXXX remarks, although accurate, I did file a Chapter XXXX and reaffirmed the debt in the bankruptcy, but the information is outdated ( a violation of the FCRA and discriminatory towards me, as it is reporting a Chapter 7 over 10 years after the filing and discharge in XXXX - in 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 2020-08-05 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: OH

Complaint narrative:
Consumer Portfolio Services ( auto financing ) was included in my chapter XXXX bankruptcy filing. They were paid in full ( 100 % ) by my trustee employed by The Ohio XXXX District ( XXXX Ohio ) Federal Bankruptcy Court. 
The Chapter XXXX Bankruptcy has been successfully discharged. They continue to report on my XXXX credit report as this account being " open '' after attempts by myself thru the online dispute option. I have plenty of documentation showing they were my auto finance company, they were paid in full thru the Ohio Federal Bankruptcy Court, and that they were notified and informed of the completion and closure of the case by the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: TX

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$660.00}

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 2020-08-05 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: TX

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$660.00}

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 2020-08-05 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: AR

Complaint narrative:
I have an account reporting on my Experian credit report through XXXX XXXX XXXX that I've been disputing for the past several months. This account was opened by my ex-spouse without my knowledge or consent through identity fraud. I've never signed any contracts or documents relating to this account and as a result I have been denied credit on several occasions due to this fraudulent established account. I've sent it Experian an affidavit identity theft report along with other supporting documentation but yet this account still remains on my credit file. Experian claims the account has been verified only due to matching up my personal information with the original creditor which is not accurate verification in the law of the courts and not to mention any individual having access to my personal information would easily be able to act as me on their behalf. Since Experian has not provided physical accurate verification, I am exercising my rights under the Fair Credit Reporting Act sections, 605b, 609, and 611.

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 2020-08-05 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: AR

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX XXXX {$11000.00} XXXX   XXXX XXXX {$2000.00} XXXX XXXX XXXX {$760.00} XXXX XXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
When applying for a new credit card on XX/XX/XXXX, I was declined and advised of a recent collections entry on my XXXX and XXXX   credit reports. There is a collection showing for {$650.00} from Ability Recovery Services referencing XXXX XXXX XXXX on XX/XX/XXXX. This was the first I had heard from either company. I contacted Ability Recovery Services via the XXXX, since I was afraid this was some sort of scam and didn't want to contact them directly. I advised them on XX/XX/XXXX that I would like some sort of proof regarding this alleged debt and that I had not received anything from them via writing or phone call as is required under federal law under the FDCPA. 

Ability Recovery Services sent me a letter on XX/XX/XXXX with a copy of a non-itemized statement from XXXX XXXX XXXX showing a balance of {$650.00} as past due with a different date of service, XX/XX/XXXX. This does not serve as verification of the debt as there is no indication as to what services were rendered or that I have agreed to pay any such services. They did not send this within the 5 day timeframe as required by FDCPA 809. 

This is not my debt. I received no services from XXXX XXXX XXXX on either XX/XX/XXXX or XX/XX/XXXX and I am concerned that the company has provided differing dates to different organizations. Ability Recovery Services has not only failed to provide the required notice prior to placing collections activity on my credit report, but they have failed to provide itemized debt validation as well as failed to respond within the 5 day period required by law. This needs to be removed from my credit report immediately or I will be seeking legal remedy up to the maximum allowed by 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 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Sherloq Group, Inc
State: GA

Complaint narrative:
There was a lack of communication in receiving bills. I have fully paid this account with XXXX and I would like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: SC

Complaint narrative:
SOMEONE USE MY PERSONAL INFORMATION TO APPLY FOR THESE FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE THAT DOES NOT BELONG TO ME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation