vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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 2020-07-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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 2020-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are several inquiries on my credit that I have no knowledge of and have been hesitant as I do not want alerts placed on my credit which is causing problems for me as I have issues accessing my credit due to previous Identity theft and unauthorized access to my report causing fraudulent activity and accounts being opened

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 2020-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I have contacted Portfolio Recovery in-regards to a XXXX XXXX Bank debt that is correctly in collections. I have offered Portfolio Recovery a settlement of {$250.00} as that is all l can afford in which they declined the settlement. I then asked for proof of a signed agreement between myself and XXXX XXXX to which I am being told they can not provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint about XXXX XXXX/care credit. I paid this card off in full it has a {$4800.00} credit line. I have repeately asked that this card report to all 3 credit reporting companies as it is in excellent standing and paid in full within 2 years. I was told numerouos times they ( XXXX XXXX ) reports every 30 days. It's been over the 30 days and it is still not reporting I just checked all 3 of my credit reports. I've called numerous times and just keep being told it's reporting. But it is not.

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 2020-07-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint about XXXX XXXX XXXX I paid this card off in full it has a {$4800.00} credit line. I have repeately asked that this card report to all 3 credit reporting companies as it is in excellent standing and paid in full within 2 years. I was told numerouos times they ( XXXX XXXX ) reports every 30 days. It's been over the 30 days and it is still not reporting I just checked all 3 of my credit reports. I've called numerous times and just keep being told it's reporting. But it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this complaint about XXXX XXXXXXXX XXXX. I paid this card off in full it has a {$4800.00} credit line. I have repeately asked that this card report to all 3 credit reporting companies as it is in excellent standing and paid in full within 2 years. I was told numerouos times they ( XXXX XXXX XXXX reports every 30 days. It's been over the 30 days and it is still not reporting I just checked all 3 of my credit reports. I've called numerous times and just keep being told it's reporting. But it is not.

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 2020-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: United Docu Prep, Inc.
State: WV

Complaint narrative:
This is a debt relief company and they have charged me fees for nothing. UPFRONT FEES. And, they refuse to return my money. These guys are a SCAM. I have made FOUR payments of {$120.00}, almost {$500.00} in 4 months when my loans were supposed to be on COVID forbearance and they still have not done anything! NOTHING! It is IMPOSSIBLE to get a hold of a " manager ''. Finally I talked to " XXXX '' or " XXXX '' today or whatever his name is. The " MANAGER '' tells me, " Oh we had to submit a paper application and it was denied. '' DENIED? You did not get me approved when you submitted my application 4 months ago AND YOU STILL TOOK MY PAYMENTS?? Worst part? HE REFUSED TO REFUND MY MONEY - instead he told me he would refund 1 payment of {$120.00}. HUH? What was the rest used for? UNITED DOCU PREP CHARGED ME UPFRONT FEES. I was still getting charged fees and the application was actually denied over 45 days ago. UPFRONT FEES. The " paperwork '' and the " Sales Rep '' stated 100 % money back guarantee. Here it is 3 weeks later and FINALLY I reach a " MANAGER '' and he refuses to return my money and wants to keep my UPFRONT FEES. WHAT THEY ARE DOING IS ILLEGAL AND NEEDS TO BE STOPPED ASAP. This is blatantly against the law.I STILL HAVE NOT RECEIVED MY REFUND. They charged me fees and never did anything and surely never completed anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
The following accounts has caused me financial ruin. These accounts are an result of identity theft. 



XXXX XXXX {$1300.00} XXXX XXXX  XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX  {$710.00} XXXX JPMCB CARD {$5700.00} XXXX XXXX XXXX  {$5500.00} XXXX XXXX XXXX   {$710.00} XXXX XXXX XXXX XXXX  {$330.00} XXXX XXXX XXXX XXXX   {$1400.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NC

Complaint narrative:
I was at XXXX XXXX XXXX XXXX and the address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. I was in there for 2 months between XX/XX/XXXX in till XX/XX/XXXX for XXXX  XXXX. All my stuff got lost at hospital so I had to have a new debit card sent to me and I bank with XXXX  XXXX Account by XXXX. I opened this account in XXXX at Ace Cash Checking ( XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ). So the day I was discharged from hospital I called from the hospital to activate my new card and they red flagged me because I didn't call from my cell phone that was associated with my account because my cell phone was broke. So I had nothing on me and had to get my mother in law to buy me a train ticket and friend to buy me a new phone. Even when I called from my number associated they blocked my account. I answered all security questions correctly and they still wouldn't unblock my account. The train ticket was so I could get home to XXXX NC. I arrived home on XX/XX/XXXX and went to Ace Cash Checking to withdraw my money on XX/XX/XXXX. I was told they couldn't because of the block and I decided to close that account and open a new one and the manager XXXX at Ace told me to just close my account and they would send me a check. However I was told they could only send me a check through the mail even though I have a verified new account with them. Then after 3 weeks of waiting for my check I was informed they needed my birth certificate, social security card, and State ID. So I ordered a new birth certificate and all DMVS in NC are by appointment only. But I already had a photocopy of previous ID and social security card. So once I got my birth certificate on XX/XX/XXXX I sent them an email with these XXXX things and they said they need an ID that is active but I have everything else and even a new account with them but they refuse to release my money which is in the amount of {$2600.00}. So I am asking for help in getting my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: TN

Complaint narrative:
I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
The following accounts has caused me financial ruin. These accounts are an result of identity theft. 



XXXX XXXX {$1300.00} XXXX XXXX  XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX  {$710.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX  {$5500.00} XXXX XXXX XXXX   {$710.00} XXXX XXXX XXXX XXXX  {$330.00} XXXX PORTFOLIO RECOV ASSOC {$1400.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX 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 2020-07-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX 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 2020-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
PNC bank has placed a block on my cash app account that has my XXXX dollars in my cash app card unable to transfer into my accountXX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
The following accounts has caused me financial ruin. These accounts are an result of identity theft. 



XXXX XXXX {$1300.00} XXXX XXXX  XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX  {$710.00} XXXX XXXX XXXX  {$5700.00} XXXX XXXX XXXX  {$5500.00} XXXX XXXX XXXX   {$710.00} XXXX XXXX XXXX XXXX  {$330.00} XXXX XXXX XXXX XXXX   {$1400.00} 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 2020-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
The company is Transworld Systems Inc. 
I got a letter dated XX/XX/2020, stating that I owe them XXXX. I reported this account under identity theft and possible fraud. I had no knowledge of this account. This account might have been opened by now deceased father who has the same name. I submitted the Identity Theft Affidavdit and police reports. However they are still trying to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
The company is XXXX XXXX XXXX. 
I got a letter dated XX/XX/2020, stating that I owe them XXXX. I reported this account under identity theft and possible fraud. I had no knowledge of this account. This account might have been opened by now deceased father who has the same name. I submitted the Identity Theft Affidavdit and police reports. However they are still trying to collect on this debt.

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 2020-07-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are several inquiries on my credit that I have no knowledge of and have been hesitant as I do not want alerts placed on my credit which is causing problems for me as I have issues accessing my credit due to previous Identity theft and unauthorized access to my report causing fraudulent activity and accounts being opened

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 2020-07-17 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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: MA

Complaint narrative:
Good Morning and how are you doing during this pandemic? Listen, I was shocked when I reviewed my credit report and found this derogatory account in my credit file. I've attempted so many times to reach out to this company but they refused to provide me any details. 

Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumerto dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it. 

Pursuant to the above referenced Title Section XXXX XXXX ) ( XXXX ) : I will expect a written reply within the required 30 day timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: Selene Holdings LLC
State: OH

Complaint narrative:
I am going through a refinance with XXXX XXXX  ( Great Company! ). They pulled my credit report and saw that there was an report pulled by Selene Finance LP ( my current Mortgage Company ) on XXXX XXXX. When I called Selene Finance LP to ask why they pulled my credit Report without my knowledge. The agent said we were looking for a phone number? The agent read off 5 numbers and 3 were my correct phone numbers. 
So Selene Finance LP did have my phone numbers on file. I explained to the agent from Selene that when they pull a credit report it is not good because it can affect my credit score. He said that is what we do to get information? 

XXXX XXXX had questions when they saw this because I am at the end of the re-finance process with them and up pops a credit pull from Selene Finance! 
I am no professional in this business but I think a company has to have permission from a client before they randomly pull your credit report and surely not to find a telephone number! 

This is outrageous and very unprofessional and un-ethical. The XXXX XXXX XXXX and I both have requested a pay-off on my current mortgage account with Selene Finance LP, we both ask them to put a rush on this because I am about to lose my rate for refinance with XXXX XXXX. Selene Finance LP never responded to XXXX XXXX XXXX! So I reached out to them also to let them know I need this pay-off like yesterday and Selene Finance they told me it would take 5-7 business days to get a pay-out!!! Please help me! I am in need of this information immediately and Selene Finance is messing me up royally with the improper credit check and the time it is taking them to give me a pay-off letter to submit to my new refinance company. It is not fair or ethical of Selene Finance to do this.

Company response to consumer: Closed with explanation