vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: MD

Complaint narrative:
I have tired to place a security freeze with Sage Stream! I was unaware that this entity, has & shares information about me with other entities. I reached out to this company to No avail! Ive mailed them the documents from their site requested to implement the security freeze, on top of calling number ours times durning their schedules business hours without any success of reaching them. Theyre recording states theyll contact you back within 24 hours and that hasnt happened either. This company I feel is a fraudulently company has access to my personals information/ identity without my consent or prior knowledge and I dont give them permission to share any information they have of mines against my wishes. Furthermore the information i believe they have isnt accurate! This company needs to freeze and or delete whatever information they have of mines and let me know that is been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have several inquires that I didn't apply for any lines of credit or loans I already have two new cars and I never used any of theses lenders. : I was going over my credit report and I seen unauthorized inquires that I do not reocognize. 
Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. 
I never gave any permission for the following companies to pull my credit report demand to see the application for credit or request for business. 
I demand see the purpose, and written contract, and proof that I applied for these accounts?? 
I am a victim of Fraud and I am protecting my credit file as much as I can. please delete these at once : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-25 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the 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 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have several inquires that I didn't apply for any lines of credit or loans I already have two new cars and I never used any of theses lenders. : I was going over my credit report and I seen unauthorized inquires that I do not reocognize.

Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. 
I never gave any permission for the following companies to pull my credit report demand to see the application for credit or request for business. 
I demand see the purpose, and written contract, and proof that I applied for these accounts?? 
I am a victim of Fraud and I am protecting my credit file as much as I can. please delete these at once : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have several i nquires that I didn't apply for any lines of credit or loans I already have two new cars and I never used any of theses lenders. : I was going over my credit report and I seen unauthorized inquires that I do not reocognize. Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyon e can inquire a credit file. I never gave any permission for the following companies to pull my credit report demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can. please delete  these at once : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-25 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: Synovus Bank
State: MA

Complaint narrative:
FSTPROGRESS XXXX Charge-off This is inaccurate reporting because of the reported dates that is not consistent with the bureaus. Also there is only one bureau that reports the payment history. Please remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I have a Paypal account. PayPal frequently emails me invitations to apply for their PayPal MasterCard credit card. In each of these emails there is a link to unsubscribe from these types of offers ( what they call News and Promotions ). The unsubscribe link is broken and leads to a page saying nothing was found at that location. To stop receiving these credit card offer emails I have logged into my PayPal account - the settings are already set up to refuse these offers. I have sent them a message through their portal asking them to please stop sending me credit card offers. Most recently I called Paypal customer service to ask to stop receiving these. Each and every time they assure me they will stop sending the offers, and then proceed to email me again prompting me to open up a credit card. This is a nuisance and a contradiction of what they have communicated. Can you please assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: National Credit Systems,Inc.
State: MD

Complaint narrative:
XXXX XXXX is reporting multiple hard inquiries on my report for accounts that I didnt apply for. An identity theft report was sent along with all needed documentation of its inaccuracy and it has not been resolved. There is also one collection on my credit again for an account I never applied for. 

XX/XX/2018 National Credit Systems {$4600.00} I submitted an identity theft report packet to them as well as police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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 writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the 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 2019-11-25 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:
To : Who

m It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$40.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2019 and the subsequent response received on XX/XX/2019 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$40.00} -This is not my account.

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 2019-11-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Service Finance Holdings, LLC
State: FL

Complaint narrative:
I applied for a loan with Service Finance, LLC on XX/XX/2019 I was told by the construction company that I was declined due to having no credit file and/or my XXXX  credit file being locked, unable to view and no credit score. The rep then proceeded to ask me my race, gender and other information. I feel that I was discriminated against by this lender and denied a loan as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I paid my target credit card bill in full on XX/XX/2019. The payment posted to my account and funds were extracted on XXXX XXXX from my checking account. I tried using the card and was told I dont have available credit. I called target and was told I need to do a conference call with my bank to verify the payment was made from my checking account. I explained to the consumer servicer rep I have made many payments prior and never had this issue. They are failing to address the issue when the funds have been extracted from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Yes Bluebird close down my checking account and savings account for no reason of my own making they said that I did unappropriate or did things that I was not allowed to do but I don't understand how I did this when I was XXXX at that time and was not in able to even use my own debit cards and they let somebody come in and take all my daughter Social Security money out of a separate account that was linked to my Bluebird account then I tried to call them and talk to them about it and all they did was tell me that they closed my account down and there's nothing more they could do to help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-25 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:
On Equifax 's credit report, there is one account from XXXX  XXXX XXXX that does not belong to me. That account did not appear on my other credit reports. 

I filed two disputes to Equifax to have an account removed from my report ; however, Equifax did not fix that for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I have a Savings account with Marcus by Goldman Sachs. In XXXX, I signed up for a promotional offer in my Marcus Savings account for 1 % bonus of savings account. Per this offer, I can get up to {$500.00} bonus if I transfer {$50000.00} new money into my Marcus savings account. When I signed up for this promotional offer, I did transfer {$50000.00} new money into my Marcus savings account from XXXX Bank. In my online account, it showed that I was qualified for this 1 % bonus offer. I have kept this {$50000.00} new money in my Marcus savings account through now, and the {$500.00} bonus should have been posted to my account no later than XX/XX/XXXX based on the promotional offer status link in my Marcus online account. However, it has passed XX/XX/XXXX. But I still have NOT received the {$500.00} bonus yet. 

I request Goldman Sachs to post the {$500.00} bonus credit to my Marcus Savings account per the promotional savings account offer immediately, without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: FL

Complaint narrative:
SN SERVICING CORPORATION ( servicer ) is filing foreclosure on my home on behalf of XXXX XXXX XXXX TRUST a nonexistent trust/entity according to Securities and Exchange Commission records. They are perpetuating fraud on the court to claim ownership on my home as this alleged trust was never formed/created with no Pool and Servicing Agreements to show that they are a party of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have had a continuous unauthorized charge from XXXX XXXX all thru 2019 yet Bank of America refuses to stop the payment. Bank of America stated they can not stop the unauthorized payment. I have contacted the XXXX XXXX  several times about my cancelled membership and to stop payment yet this seems to be a mute point. Currently within a month I have had {$100.00} taken out of my account illegally and unauthorized.

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 2019-11-25 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: FL

Complaint narrative:
In the beginning of 2019 I disputed a debt with Portfolio Recovery due to finalization of acknowledgement from XXXX XXXX themselves that the account was fraudulent. They stated they sent the request to the credit reporting agencies and it would be removed. This was pertaining to account ending in XXXX. It was then removed from the credit agencies. 

Now it is back reporting on my credit and I have to go through this process again of getting it removed. I've sent multiple communications to Porfolio Recovery as well as a copy of the evidence letter provided from XXXX XXXX each time that states that this account was fraudulent and will be removed off my report. This was dated XX/XX/2019 which was prior to the letter of them recovering the account from XXXX XXXX dated XX/XX/2019. 

I'm not sure why they were even ever able to recover the account. I have tried to communicate with them and provided the evidence for it to be removed but they are not responding to the evidence provided and I would like this removed off all my credit reports yet again. This is highly aggravating to have to go through this entire process again. How it was previously removed and now it's back is beyond me. I'm not sure what further information they need when I've provided what they requested which was a fraud affidavit they requested and the requested evidence from the Credit reporter themselves again that it was fraudulent. I'm not sure what else to do and it's very overwhelming.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX I was charged {$270.00} INTEREST CHARGE ON PURCHASES made on XX/XX/XXXX of {$910.00}. I was never explained that I will pay interest on the whole original purchase amount instead and APY of 29.99 % on balance remaining. This company terms are predatory deceiving and should be illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-25 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: ERC
State: NY

Complaint narrative:
XX/XX/2019, Amount- XXXX, no action take by company still remain the same on report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
First time home buyer, FHA loan. 1st it took them 6 months to locate my 1st months payment. ( My loan was sold ). Then I receive notice my insurance has not been paid and my XXXX property taxes have defaulted. I've called multiple times. I've emailed multiple times and have not heard anything. So many people have had issues with Lakeview loancare llc and yet consumers are forced to continue to deal with this stress. Please, how do we escape the unprofessionalism, uneducated and un-empathetic company. I'm terrified I will lose my home. Please help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca

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 2019-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAC Financial Corp
State: TX

Complaint narrative:
After speaking to my insurance company regarding payment of the claims, my insurance informed me that they had requested the company call them and/or submit additional information regarding the claims. My insurance company informed me that because CAC XXXX did not communicate and respond to them the claims were not paid. 

After my dispute of the 8 different collections on my credit reports ( XXXX, XXXX and XXXX   ) it appears the CAC removed the collections in XXXX, 2019 and resubmitted them as new in XXXX, 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I took a look at my credit report today and noticed a few inquiries that were made that were not made by me. I took a look at all the companies and it seems they are all credit card companies and have not applied for any credit card companies myself and would like them to be removed because I was in the process of looking into what I needed to do to increase my credit score. I recently got married and have a child XXXX XXXX XXXXXXXX  We are looking to purchase a house and this is holding us back. Thank you!!

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