vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX.This Debt was paid on XX/XX/XXXX. After payment was made collector reported the paid debt as unpaid. On XX/XX/XXXX collector stated that they would remove derogatory marks if any.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
Mariner Finance sent me by mail an unsolicited loan-check in amount of {$1200.00}, dated XX/XX/2019. 

Sending live checks ( or any other type of credit check ) is just predatory and puts my credit at risk - anyone could steal mail from my mailbox and have fun at my expense. 

I have never requested any loan from Mariner Finance, nor I am interested in their services. I want them to stop sending me credit/services offers. The opt-out information they provide doesn't apply only to Mariner Finance but all other creditors, and I am not interested in filling out forms that require my SSN. 

Branch Manager of XXXX, MD, take my name out of all of your branch 's and Mariner Finance 's marketing/credit/services list, and do not contact me at all through any medium.

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 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02 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: NY

Complaint narrative:
I have been a victim of identity theft

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 2019-12-02 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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 



ACCOUNTS : XXXX XXXX XXXX XXXX {$530.00} XX/XX/2017

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 2019-12-02 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 



ACCOUNTS : XXXX XXXX XXXX XXXX {$530.00} XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}. 
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 Lending 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/XXXX and the subsequent response received on XX/XX/XXXX 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. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I only have access to my Best Buy credit card statements from XXXX and XXXX, but I was charged a monthly debt protection fee for my purchases. I made a major purchase on this card for a TV around that time, and used my card to pay for it because of the 0 % financing plan they offered. To the best of my knowledge, I was given no option to select this debt protection fee - as I would, say, an extended warranty - at the time of purchase. I was only made aware of this due to a discrepancy between the outstanding total on the Best Buy credit card site and the You Need A Budget app I was trying to sync it with, which led to my being made aware of this to begin with. 

This fee shows up in my statement as " XXXX, '' and after a brief phone call with Best Buy this morning I was able to opt out. However, according to my statements, in XXXX I this fee totaled {$69.00}, and {$92.00} thus far in XXXX. The monthly amount varies but, after further research, I have read that this fee is approximately {$0.00} per {$100.00} credited - which lines up to with the cost of the attributed TV purchase.

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 2019-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I contacted PNC Bank last month and set up 3 payments to get caught up and it was fine - everything was fine. Then PNC canceled the payments without telling me. They called me backed but did not leave a message. Then sent a demand letter this was weeks later. Then when I tried to call to send the payment they refused to take it. Now I have more fees and it is so unnecessary when I had set up to pay it in the first place and PNC is the one that canceled the payments - The loan is demanded for XX/XX/XXXX but they wont take the payment they agreed to take. It is not right and I don't know what to do I would like to pay what I owe in the payments like we agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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 applying to rent a car today XX/XX/19 and when they ran my credit they told me that I was unable to rent with their company because I did not meet the credit requirements. I was confused so they let look through my credit report and I found several inquiries as well as accounts on my report that I never opened. None of those accounts or inquiries belong to me nor did I give anyone permission to open those accounts or make those inquiries with my personal information. I filed a police report regarding these items as soon as I got the chance ; I never benefitted anything from these accounts/inquiries that were opened in my name without my authorization nor do I have any relationship with any of the companies I listed. I did not take part in any payments, purchases or transactions involving any of these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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 applying to rent a car today XX/XX/19 and when they ran my credit they told me that I was unable to rent with their company because I did not meet the credit requirements. I was confused so they let look through my credit report and I found several inquiries as well as accounts on my report that I never opened. None of those accounts or inquiries belong to me nor did I give anyone permission to open those accounts or make those inquiries with my personal information. I filed a police report regarding these items as soon as I got the chance ; I never benefitted anything from these accounts/inquiries that were opened in my name without my authorization nor do I have any relationship with any of the companies I listed. I did not take part in any payments, purchases or transactions involving any of these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: IA

Complaint narrative:
I have Federal Student loans that are in default with the Professional Bureau of Collections of Maryland, Incorporated, I have been trying to get these into a reinstatement agreement since XX/XX/2019. I had sent in the paperwork twice. First in XX/XX/2019, where I was informed the paperwork wasn't correct. However, when I asked what I needed to correct I never received anything in the mail ( which I repeatedly left voicemail messages for ). I finally was able to get someone to help ( not with PBC of Maryland ), and sent in the paperwork in early XX/XX/2019. After a couple of weeks, I contacted PBC of Maryland in early XX/XX/2019. The agent I talked with ( XXXX XXXX ), told me they received my paperwork and that I owed {$5.00} a month, but that my agreement form wouldn't be sent out to me until I made my first payment. On XX/XX/2019 I made my first payment of {$5.00}, on PBC of Maryland 's website ( Invoice # XXXX ). I then called PBCM back on XX/XX/2019 and talked with XXXX, he told me they didn't have my payment applied to my account. He then berated me, used profane language, and threatened me with not being able to be in the reinstatement program. I gave him the invoice number and he said he would contact their accounting department. XXXX and I were able to get back in touch on XX/XX/2019 ( the date I told XXXX I would call back ). He informed me they still didn't have my payment on my account ( even though it had been 26 days since the payment was processed ). 

It seems like PBCM/XXXX are lying, as it shouldn't take 26 days to apply a payment to an account. They also seem unprofessional, with the language they use, not speaking clearly into the phone repeatedly, not sending stuff through the mail when requested, and threatening to remove people from programs they have no authority to do ( only because I wouldn't give him my debit card number over the phone ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Vehicle was purchased on XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, New Jersey XXXX {$15000.00} was financed by TD Auto Finance LLC XXXX XXXX XXXX XXXX, CA XXXX ( according to final paper work ) Final Payment of {$4300.00} was paid on XX/XX/XXXX at TD Bank XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Based on e-mail received today from XXXX, they are refusing to release title. 

A complaint was filed with the New Jersey Office of Attorney General, Division of Consumer Affairs, XXXX NJ office with reference number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I attempted to obtain my free credit report online at XXXX on XXXX. However, apparently I did not answer the identification questions correctly and was informed I had to submit a written request to XXXX XXXX XXXX  XXXX XXXX at XXXX XXXX XXXX XXXX GA XXXX. This concerned me b/c all of the questions online asked about credit cards or loans ; which I answered not applicable as I just turned XXXX years old on XXXX XXXX, XXXX and have never applied for credit- so I don't understand how I didn't answer the questions correctly. On XXXX I mailed The XXXX XXXX XXXX   Request Form with a cover letter, and selected Equifax as the agency I wanted my credit report from. WITH THE FORM AND COVERLETTER, I submitted a copy of : My WI driver 's license showing my current address, a copy of my passport, a copy of my social security card, and a copy of my CDL permit license to prove my identify and address. In response, Equifax sent me 3 letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting verification of my identify such as a driver 's license and social security card, EVEN THOUGH I SENT COPIES OF THESE ON XXXX WITH MY ORIGINAL REQUEST. I attempted to contact Equifax via telephone on XXXX, at XXXX however, the employee barely understood English and I could not understand her at all due to her inability to speak English. As such, on XX/XX/XXXX I AGAIN submitted ta copy of the original cover dated XXXX with an additional written statement that I had already submitted the identification documents with my original request and insisted to know why they keep asking for documentation that I have already sent. I also sent ANOTHER copy of my drivers license and social security card with the second letter. I am extremely frustrated at this point ; as they refuse to send me a copy of my credit report. I need my credit report to apply for a car lease and I want to verify that no one has stolen my identify and requested credit illegally on my behalf before I apply for the lease. Again, I have never applied for credit. If I have no credit report, then they should just notify me. If needed, I can fax or scan a copy of all correspondence sent to Equifax and received by Equifax at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02 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: NY

Complaint narrative:
all the credit bureaus reported XXXX XXXX which I never received or signed anything with. I never had a XXXX  phone either. This is illegal and want this removed. Im in the middle of buying a home and this popped up. They where really rude. They said we can do whatever we want because its the law. I said its not. Im really stressed can you help me. I never had a XXXX phone.

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 2019-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.

Complaint narrative:
I paid a reletting fee via money order to XXXX XXXX XXXX in XXXX XXXX AR, owned by XXXX XXXX, however I was later contacted by a debt collection agency stating that I did not pay the debt even though the manager of the apartment complex confirmed that they received it. The manager wont take my calls now to locate the money order and the collection agency wouldnt take my bank statement as proof

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: NY

Complaint narrative:
I did not authorize any of these inquires on my experian credit 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 2019-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: MA

Complaint narrative:
In the summer of 2017, I went to XXXX located at XXXX XXXX XXXX XXXX, XXXX, NH XXXX and received 2 XXXX  with service. The amount that I was told was not true and after going into the store I talked to the manager and they apologized and ended service/account and said that they would cover the month of service. I have had debt collectors call me and I always have to call XXXX and sit on hold for a few hours fixing it. I still get letters for debt collection and it is now going against my credit. I have talked to managers numerous times and they always claim to " fix '' it but I have no proof. I have asked for written verification numerous times and I never received it after sitting on the phone/hold for hours.I returned the equipment and am being charged for the month of service. I have been told that it was an internal error and that I am all set, yet I still get letters from debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: GA

Complaint narrative:
I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 


XXXX XXXX XXXX XXXX {$530.00} XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: U.S. BANCORP
State: OK

Complaint narrative:
I used to have 2 account with Elan Financial however the accounts were sent to collections back in XX/XX/XXXX. I worked with a debt consolidation company who worked out an agreement to settle both accounts for me on XX/XX/XXXX. The payment was made however if you look at my credit report it shows that I have failed to pay the balance since XX/XX/XXXX even though the account was settled. I have the document showing that it was taken care of 2 years ago but it is still showing for all 3 credit companies.

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 2019-12-02 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: CT

Complaint narrative:
An account from XXXX XXXX XXXX Opened XX/XX/2019 have reported on my credit report for a debt collection. This account appeared out of thin air on my report as I did not receive any correspondence pertaining to this collection.

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 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
all the credit bureaus reported XXXX XXXX which I never received or signed anything with. I never had a XXXX phone either. This is illegal and want this removed. Im in the middle of buying a home and this popped up. They where really rude. They said we can do whatever we want because its the law. I said its not. Im really stressed can you help me. I never had a XXXX phone.

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 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
all the credit bureaus reported XXXX XXXX which I never received or signed anything with. I never had a XXXX phone either. This is illegal and want this removed. Im in the middle of buying a home and this popped up. They where really rude. They said we can do whatever we want because its the law. I said its not. Im really stressed can you help me. I never had a XXXX phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: CT

Complaint narrative:
An account from XXXX XXXX XXXX Opened XX/XX/2019 have reported on my credit report for a debt collection. This account appeared out of thin air on my report as I did not receive any correspondence pertaining to this collection.

Company response to consumer: Closed with non-monetary relief