vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: WA

Complaint narrative:
I referred my husband thru the referral process. They sent a card we Active the card with my referral number. They refuse to credit. Several different reasons. First they said they sent a card last year but he never received or actived it making it void thru the program However Per there terms of eligibility. No activity 180 days. make them eligible .Today they say they sent a card from randomly from marketing at the same time instead of referral so it wasn't eligible. Sending a card at the same time of referral to my address at the same. time. The information they obtained from my referral. They scammed us into referring people using this information to send. Cards from referrals then saying they were marketing random people and therefore not eligible for referral money.. 
I see this as a scam they steal referral information using it letting customers believe they are going to get rewards when in fact they have no intentions but to use the information for there benefits. Refusing to apply credit often putting me on hold. 
Now after weeks of back and forth Im told my account is not eligible for refer a friend program. when I ask why they put me on hold with no answers. Put me on hold then go blank with obvious the line is still open. I don't plan on hanging up .I have been on the phone the whole time I am writing. No good answers for why they treat customer 's this way.

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 2019-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Paypal credit keeps trying to make me pay for credit I can't afford to pay because I am now on social security disability benefits. I do not make that much I only get paid monthly and my social security benefits can not be garnished. SSI can not be garnished by any creditor or debt collector.

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 2019-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am on social security disability my ssi can not be garnished by XXXXXXXX XXXX XXXX XXXX  and I don't have to pay them back. My money is federally protected because it is direct deposited into my account monthly.

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 2019-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nevada Credico, Inc.
State: CA

Complaint narrative:
this debt Isn't mine, i have asked for them to provide me a copy of a signed contract between myself and the company they are still unable to provide me with a copy so this debt is not valid.

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 2019-11-21 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: GA

Complaint narrative:
I have several unauthorized inquires on my credit report which I Did receive any lines of credit nor am I familiar with the companies. I have listed the dates and companies of the inquires below Company : XXXX XXXX Date:XX/XX/ Company : XXXX Date : XX/XX/XXXXCompany : XX/XX/XXXXL Date : XX/XX/ Company : XXXX XXXX Date : XX/XX/ Company : XX/XX/XXXXDate : XX/XX/ Company : XXXX Date : XX/XX/ Company : XXXX Date:XXXX Company : XX/XX/XXXX Date : XX/XX/XXXXCompany : XXXX Date :XX/XX/XXXX Company : XXXX Date:XX/XX/ Company : XXXX Date:XX/XX/ Company : XXXX Date:XX/XX/ Company : XXXX XXXX Date:XX/XX/ Company : XXXX XXXX Date:XX/XX/XXXXXX/XX/XXXXCompany : XXXX XXXX Date:XX/XX/ Company : XXXX XXXX Date:XX/XX/ Company : XXXX Date:XX/XX/ Company : XX/XX/XXXX Date : XX/XX/ Company : XX/XX/XXXXXXXX XX/XX/XXXX Date : XX/XX/ Company : XX/XX/XXXX Date : XX/XX/ Company : XXXX Date : XX/XX/ Company :XX/XX/XXXX Date : XX/XX/ Company : XXXX XXXX XXXX   Date:XX/XX/ Company : XXXX   XXXX Date : XX/XX/ Company XXXX XXXX XXXX   Date : XX/XX/ Company : XXXX XXXX Date : XX/XX/ Company : XXXX XXXX Date : XX/XX/ Company : XXXX Date : XX/XX/ Company : XXXX XXXX Date:XX/XX/XXXXCompany : XXXX XXXX XXXX XX/XX/XXXX Date:XX/XX/ Company : XXXX Date:XX/XX/2019Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date : XX/XX/ Company : XXXX XX/XX/XXXX Date :XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date : XX/XX/ There are also different accounts on my credit report that I did not authorize. I have listed them below. 

Account Name : XXXX XXXX  Account # XXXX Amount : {$820.00} Account Name : XXXX XXXX Account # : XXXX Amount : {$2000.00} Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Amount : {$180.00} Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX Amount : {$530.00} Account Name : Untitled { Medical ) Account # XXXX Amount : {$1000.00}

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 2019-11-21 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: GA

Complaint narrative:
I have several unauthorized inquires on my credit report which I Did receive any lines of credit nor am I familiar with the companies. I have listed the dates and companies of the inquires below Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX Date : XX/XX/XXXXCompany : XX/XX/XXXX Date : XX/XX/ Company : XXXX XXXX Date : XX/XX/ Company : XX/XX/XXXX Date : XX/XX/ Company : XXXX Date : XX/XX/ Company : XXXX Date:XX/XX/XXXX Company : XX/XX/XXXX Date : XX/XX/ Company : XXXX Date : XX/XX/ Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company :  XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX Date:XXXX Company : XXXX Date : XX/XX/ Company : XX/XX/XXXXXXXX XX/XX/XXXXDate : XX/XX/ Company : XX/XX/XXXX Date : XX/XX/XXXXCompany : XXXX Date : XX/XX/ Company : XX/XX/XXXX Date : XX/XX/ Company : XX/XX/XXXX Date:XX/XX/XXXX Company : XX/XX/XXXX XX/XX/XXXX Date : XX/XX/ Company : XXXX XX/XX/XXXX Date : XX/XX/ Company : XXXX XXXX Date : XX/XX/ Company : XX/XX/XXXX Date : XX/XX/ Company : XX/XX/XXXX Date : XX/XX/ Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX XX/XX/XXXX Date:XX/XX/XXXXCompany : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXXCompany : XXXX Date:XX/XX/XXXX Company : XXXX Date : XX/XX/ Company : XXXX XXXX XXXX XXXX Date : XX/XX/ Company : XXXX Date:XXXX Company : XXXX Date : XX/XX/ There are also different accounts on my credit report that I did not authorize. I have listed them below. 

Account Name : XXXX XXXX  Account # XXXX Amount : {$820.00} Account Name : XXXX XXXX Account # : XXXX Amount : {$2000.00} Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Amount : {$180.00} Account Name : XXXX  XXXX XXXX XXXX Account XXXX XXXX Amount : {$530.00} Account Name : Untitled { Medical ) Account # XXXX Amount : {$1000.00}

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 non-monetary relief
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC
State: PA

Complaint narrative:
I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: NM

Complaint narrative:
Received letter dated XX/XX/19 closing account to dishonored payments. Upon inspection I have made several calls and payments in the last 3 months since Synchrony Bank has taken over this account for Sams Club. I have also received two refunds for late fees. I have made over a dozen calls to Synchrony Bank to get this corrected as it may effect my credit and we are looking at buying a new car. I pay my bills.

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 2019-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
We are doing a Home Loan for our Borrower and it required a conference call with XXXX  and the creditor to confirm that the Borrower had paid off his Account with Prosper. Borrower speaks zero English other than to be able to say his name, date of birth and last 4 of his social. Both myself and the Agent from XXXX  were on the line to assist with translation as needed. We requested someone at Prosper that spoke XXXX and the proceeded to advise us that they only speak English there and no XXXX agents or any other language. Propser Agent advised that they would not allow having a translator on the line even though Borrower DID answer the validation questions they asked which were his name, date of birth and last 4 of social. I requested a Supervisor and explained the situation and Supervisor stated that Borrower should not be applying for a home loan with us if he does not speak English. Prosper refused to complete our request or provide confirmation that the balance on their end has been paid in full.

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 2019-11-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I contacted the below creditors and they have No proof I initiated such Derogatory, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal, I ask that you DELETE these authorized derogatory from my credit report immediately as there is no evidence of my authorization nor any permissible purpose.

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 2019-11-21 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 was at XXXX XXXX apartments today XX/XX/19 because I need to rent an apartment by next month but when they ran my credit to see if I qualified to rent there, I was told that I didn't meet their credit requirements ; I was confused because I have always made sure to pay everything on time. I looked at the credit report they pulled and I saw that there were several accounts in negative standing that aren't even mine. I did not open any of those accounts and I have never allowed anyone to open them in my name. I have no idea who these accounts belong to or why they are on my credit. I did not gain anything at all from these accounts nor did I ever make any purchases or payments towards any of these accounts. I am not affiliated with any of those companies in any way and I have already filed a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: VA

Complaint narrative:
I have submitted several disputes with them about this XXXX account to no avail. I have called directly ( XXXX ) and they have no record and told me to contact the data furnisher. I have included my identity theft report from the FTC and police dept. I did EVERTHING I WAS SUPPOSED TO DO. My police report is attached and if this is not rectified, I will resort to other legal action. This company has been horrible top deal with. They have not contacted me BECAUSE THEY HAVE THE WRONG ADDRESS DUE TO FRAUD! Thats the point of filing a report and doing what I'm suppose do. I have filed SEVERAL COMPLAINTS AND WANT THIS REMOVED! My next resorts will be legal action. My police report is included, thank goodness I have a paper trail of what I did. Deplorable customer service ACROSS THE BOARD. If someone uses your information that information is now on your credit report, so their initial response is ridiculous. I did what the consumer is supposed to do, file reports both police and FTC. As well as make complaints about their business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: PA

Complaint narrative:
I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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 was at XXXX XXXX apartments today XX/XX/19 because I need to rent an apartment by next month but when they ran my credit to see if I qualified to rent there, I was told that I didn't meet their credit requirements ; I was confused because I have always made sure to pay everything on time. I looked at the credit report they pulled and I saw that there were several accounts in negative standing that aren't even mine. I did not open any of those accounts and I have never allowed anyone to open them in my name. I have no idea who these accounts belong to or why they are on my credit. I did not gain anything at all from these accounts nor did I ever make any purchases or payments towards any of these accounts. I am not affiliated with any of those companies in any way and I have already filed 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 2019-11-21 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 was at XXXX XXXX apartments today XX/XX/19 because I need to rent an apartment by next month but when they ran my credit to see if I qualified to rent there, I was told that I didn't meet their credit requirements ; I was confused because I have always made sure to pay everything on time. I looked at the credit report they pulled and I saw that there were several accounts in negative standing that aren't even mine. I did not open any of those accounts and I have never allowed anyone to open them in my name. I have no idea who these accounts belong to or why they are on my credit. I did not gain anything at all from these accounts nor did I ever make any purchases or payments towards any of these accounts. I am not affiliated with any of those companies in any way and I have already filed 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 2019-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NJ

Complaint narrative:
I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Approximately 154 days ago on XX/XX/19, I opened both a personal checking and money market account with BMO in order to receive a two promotional cash bonuses. I have met all terms as advertised for these promotions, but have received neither. I am now being told I do not qualify for the checking account promotion because I had an account with BMO with in the previous twelve months. The attached offer states that to be eligible one must not have had a PERSONAL checking account with in the last twelve months. The account that I previously had that BMO claims makes me ineligible was a business checking account for which I received a business checking promotional cash bonus. Therefore, BMO defines that account as a business checking account despite the fact that the business was a sole proprietorship. Obviously, since it was a sole proprietor account my social was used in its creation. This is what BMO seems to be hung up on, but it is irrelevant as it was a business checking account. the money market bonus simply has not been credited to my account even though BMO admits I have qualified.

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 2019-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XXXX XXXX  about a repo that happened that they keep calling me about after i asked to stop because they lied about the balance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Northeast Recovery Solutions, LLC
State: FL

Complaint narrative:
Company nrs medation called me first then and then called my Uncle reporting they was going to file a judgement on me in XXXX XXXX.i have both voicemails from my uncle and me from XXXX XXXX XXXX. Which i try to settle made payment lied and said i didnt try to pay sent them my banks states and still lied..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
In XXXX of XXXX we filed for bankruptcy but did not include the mortgage in the reaffirmation. The mortgage was then sold to Freedom Mortgage from XXXX XXXX XXXX. From XXXX or XXXX of XXXX the mortgage payments were paid in full and on time by automatic payments. Now we find out that Freedom Mortgage is not reporting anything. After repeated request, they still refuse to report to the credit bureaus that we now have no missed payments, and no late payments for over a year and a half. Yes, our credit score suffered because of the bankruptcy, but now, for whatever reason, Freedom Mortgage is obstructively hindering our attempt to rebuild our credit, by refusing to 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