vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My birthday is listed wrong on credit reports. I was born XX/XX/2000. Its listed as XXXX. Also I never lived at an address in XXXX XXXX in 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 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My birthday is listed wrong on credit reports. I was born XX/XX/XXXX. Its listed as XXXX. Also I never lived at an address in XXXX XXXX in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My birthday is listed wrong on credit reports. I was born XX/XX/XXXX. Its listed asXX/XX/XXXX. Also I never lived at an address in XXXX XXXX in 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 non-monetary relief
Consumer complaint received 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
There is a XXXX XXXX XXXX credit card on my credit report. Fraudulent charges were made to the account. The account is older than seven years and I want it removed from my 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 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
There is a XXXX XXXX XXXX credit card on my credit report. Fraudulent charges were made to the account. The account is older than seven years and I want it removed from my 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 2020-03-10 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: MoneyLion Inc.
State: CO

Complaint narrative:
There has been 3 main issues with Money Lion Initially they did not have a phone number to call and fix my payment issue. 

When I finally got a hold of them they put in my payment info in incorrectly I paid it off in XXXX and they continued to put additional lates on my credit after balance was paid off Because of the issues above they have put lates on my credit report and they need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I'm not originally from this country. I've had my identity stolen about 3 times. I pride myself on being a responsible consumer. There are some others that want to take short-cut to get there. I've asked for my account to be validated by Midland Funding LLC for the past 2 years, and all I get are statements with the account number blacked out. They sued me in 2018, and they didn't even have the decency of showing up. The judge told me that they can come back after me again. Surprise they sued me almost a year later. The case is a waste of time, but I don't want a default judgment. I've asked for contracts with my signature, and all I get is signatures. I sued Midland Funding LLC for violating the law. This is a big mistake on their part, in no way do I have an agreement with this company. The funny thing is they sent me someones lawsuit with address, and private information. If this is the best they can do I'm really afraid of how someone can just file a lawsuit against anyone. Especially if the consumer has no clue who you are. Or even if you don't have substantial proof. Whatever you do please fight these clowns. They might use intimidating tactics to try to get you to settle. Like in my case, they call me up to 20-25 times a day. Attempting to kick my door down and gain entry to my home on a w weekend night. Also sending me lewd photos of XXXX woman from the area code ( XXXX ). Even when I have a XXXX area code. How can they seriously get away with this? Midland Funding will do anything to get a {$1.00}. SO PLEASE FIGHT BACK.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: MN

Complaint narrative:
XX/XX/2020 I proceeded to call iq data international inc to see what other arrangements I can make since I did not have enough funds for the payment due on XX/XX/2020. XXXX XXXX Had been the one to pick up my call. I nicely explained I was looking to start payments on a new date since I didnt have the funds available. She began getting rude and raising her voice to me. asking me if I wanted the account to affect my credit and Yelling at me saying why I didnt call if I knew I wasnt having the funds and I tried to get a few words in to explain I made too many arrangements on credit cards I was working on paying back and she was demanding me to pay with the cards and I tried to tell her that I cant Because theyre maxed. She began belittling me even more, bringing up my income and saying I should be able to pay. Not knowing the other bills and creditors Im also trying to pay. With all the emotional distress she was causing me. I did not hang up because I knew the issue of my payment arrangement needed to be solved. I requested a supervisor. the representative after did not acknowledge anything that happened with his coworker and I but at least he tried to get me more time and did not yell or belittle me. 
As my job XXXX XXXX XXXX XXXX having to follow federal rules and regulations, I did not think it was possible to be spoke to and treated the way I was.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: GU

Complaint narrative:
They are quick to send you delinquent notices and reminders about payment due. When you make a payment, they are very slow to post to account. While the payment is sitting there ready to process, they are more concerned to send notices out that they have not received a payment and quick to add interest, without looking that there is a payment ready to post. They are oblivious to this!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: EQUIFAX, INC.
State: CO

Complaint narrative:
There has been 3 main issues with XXXX XXXX Initially they did not have a phone number to call and fix my payment issue. 

When I finally got a hold of them they put in my payment info in incorrectly I paid it off in XXXX and they continued to put additional lates on my credit after balance was paid off Because of the issues above they have put lates on my credit report and they need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
There has been 3 main issues with XXXX XXXX Initially they did not have a phone number to call and fix my payment issue. 

When I finally got a hold of them they put in my payment info in incorrectly I paid it off in XXXX and they continued to put additional lates on my credit after balance was paid off Because of the issues above they have put lates on my credit report and they need to be removed

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 2020-03-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Upon reviewing my credit report, National Credit adjuster is trying to collect a debt that has been sold by another collection agency name XXXX XXXX  that I already disputed this via certified mail in XXXX of 2016. XXXX XXXX collection agency deleted the said collection from my credit report since they can not prove that the debt belongs to me. then 4 years later national credit adjust tried to collect the same debt of which I do not owe. I have requested proof of signature to show that the debt belongs to me and to no avail have not receive anything from national credit adjuster. I would like for this deragotory remark that national credit adjuster placed in my credit report from all 3 CBs removed since they can not prove that this debt is mine and it violates FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My wife was inquiring about refinance rates to chase bank for our mortgage and they ran my credit without my permission. I've been trying to get the hard inquiry off my credit report since XX/XX/XXXX of 2019 and chase have never resolved the issue, I have sent in a copy of my credit report with the hard inquiry and they said it was nonething that they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On or about XX/XX/XXXX, PNC Bank ( PNC ) put a hold on important funds {$4200.00} saved from Social Security checks of my late mother. I was her Representative Payee until her death on XX/XX/XXXX, and the funds came from a checking account {$2200.00} and a savings account {$1900.00}, which amounts were combined into one checking account on XX/XX/XXXX. On XX/XX/XXXX PNC withdrew {$19.00} to pay for printing a book of checks. On XX/XX/XXXX I deposited {$10.00} in the account to keep it active. A pending status was placed on the account on XX/XX/XXXX. The hold prevented my giving the saved benefits after death to the legal representative of the estate, a court appointed Administrator. PNC prevented access to the funds thus interfering with plans of the ( primary ) executor designated in the Last Will & Testament to  pay outstanding medical bills incurred during her care with the funds and forwarding any remaining amounts to the ( primary ) executor. PNC refused or failed to disburse the funds to the attorney for the estate in the fall of XXXX and/or to the Administrator in XX/XX/XXXX. 

PNC has not allowed the account to be closed because of the pending status. PNC has continued to control the funds denying the estate investment opportunities to earn interest at the prime rate therefrom.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: AR

Complaint narrative:
On XX/XX/2020, I received an email from a XXXX XXXX XXXX XXXX XXXX XXXX  XXXX who I do not bank with. I am afraid my information couldve been stolen or exposed on a insecure server. She use to work for IBERIABANK I believe, and Im afraid my info may have been compromised when she left. Im concerned about fraud. There is no unsubscribe button on her emails. 

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
Consumer complaint received 2020-03-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I need to open a consumer complaint about the Old Navy/Synchrony card as my credit score has been badly impacted due to a process that they have set up with Synchrony bank. 

Summary of events : I had to leave to US for personal emergency.

I did not carry my Old Navy card for the trip and I do not remember the card or Userid/pswd online I get emails reminding for payment. I asked your customer service for helping me. You can see email below.

I called via phone few time and found an automated support as I did not have card I could not pay on phone. 
I tried to reach out via online chat but no-one could help. 
I tried to many times but not having the card/useriod/pswd with me I could not pay. 
OldNavy/Synchrony Bank company reported my card for late payment despite me trying to reach out to you and Synchrony multiple times. 
My credit score impacted by XXXX points. 
And this late payment would be on my record for years now. 

I reached out to OldNavy/Synchrony bank multiple times and tried to talk to their leadership to fix their process as they would be impacting scores for people like me who genuinely want to pay but due to " out side own control '' situation can not pay. 

Synchrony has mentioned that they have no email address and they do not take any complaint. Ideally I want Synchrony bank to send the update to credit score companies so that my score can be fixed. 

Before putting it out in public, I tried to get information from Synchrony bank team but none responded to my my email despite multiple email outreach.

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 2020-03-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Financial Asset Management Systems Inc
State: OH

Complaint narrative:
Requested a letter via mail, they refused and will only send via email which i do not feel comfortable using. I have told both associates and their supervisior that i need a letter first, also i am currently unemployed and can not pay. I have said i would love to settle but i have no income and have moved home with my family. They then told me to borrow from my family or borrow against my parents house. This is unprofessional and will not stop calling. They use very unprofessional and abusive language and will not stop! They say i am incompetent and i don't want to settle this matter which is untrue.

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 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi I have leased a vehicle for the XXXX  XXXX  XXXX XXXX  XXXX   The idea behind leasing a car was to build my Friend credit and I was the co-signer on the lease As my friend credit was completely new After the purchase of the vehicle My credit started going down and after making 3 payments Nothing was reflecting on my friends credit so I decided to call XXXX XXXX to check on the loan whats happening as I dont see any progress after consulting with them XXXX said me that they have received incorrect information from the dealer as the dealer has given my details like name dob and address and phone but Social Security Number was of my friends and vice versa and they said if they even fix the issues they will not help my friend and anymore because we have already made 3 payment and nothing else can be done at this point and I  have to address this issue with the dealer As I went back to dealer letting him know about the concern that I have and the mistake that they have done firstly they denied saying that they have nothing to do with this and I have to resolve this issue by myself with credit bureau agencies As I said explained him that I have no point of contact for them if he can not provide me with the resolution they I have to take them to court for fabrication of the law and manipulation of the personal info Then on call he said me to come to the dealership and they fix the issue by buying the lease from the bank and removing me from the lease and reporting as car paid off on my account or they will get this car with no charges on my end and will get my friend a decent car and after I went to the dealership they made me wait for hour and and try to figure out if have done any mistake so they couldnt help me and after all that they said me if I want they to help me I have to come with more {$7000.00} to get the car lease cancel and buy the same car by putting 20 % more down payment towards the car and sale them the car at XXXX and buy the same car for XXXX and plus taxes and fees To correct the fabrication of the law that they have done to make a sale of the car. 

Please help me on this as I have been going through lot of mental stress and harassment due to as it is stopping me to Succed and make a leaving

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 2020-03-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Requested a letter via mail, they refused and will only send via email which i do not feel comfortable using. I have told both associates and their supervisior that i need a letter first, also i am currently unemployed and can not pay. I have said i would love to settle but i have no income and have moved home with my family. They then told me to borrow from my family or borrow against my parents house. This is unprofessional and will not stop calling. They use very unprofessional and abusive language and will not stop! They say i am incompetent and i don't want to settle this matter which is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I've been in an ongoing dispute with Equifax over the past 12 months. They have have left MANY unverified accounts on my credit profile which is tarnishing my credit worthiness. I have asked them specifically to tell me 3 things. 1- What is the name of the person in their company that verified the accounts? 2- What documents did he/she use to verify them and where are they? 3- What is that person 's business address and telephone number? I have a right to know what they used in their supposed investigation to verify these erroneous accounts and they have not once provided me with this information. I've attached a copy of page 2 that I sent them on several occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: NC

Complaint narrative:
Mid XXXX I had checked my XXXXredit score because I was planning on buying a second house in a few months. I noticed my credit has dropped from high 700 's to XXXX. It was showing a credit card that had a balance around {$150.00} and never paid then accumulated late fees. It missed payments then the account was closed back last XXXX. I called the contact that was on the credit report for the card. SYNCB/PPC was the account that was showing on my credit. Its a paypal credit card. They explained to me that the account was opened in XXXX and never used till XX/XX/XXXX where a {$150.00} purchase was to a seller named XXXX. I asked them why I wasn't notified and they said all mailed sent was returned. After investigated with the lady on the phone, we found that only my social security and name was correct, all other information was false. The mailing address, email address, phone number, XXXX account were all incorrect. The mailing address was in a completely different state. I asked them how could Iv even used the credit card if it was sent to another state. I told them I've never opened this account or made that purchase. They sent the file to the fraud department to investigate, then denied my case as fraud and refuse to remove the fraud account off my credit. I called them back and ask why, and all they said cause I didn't report sooner I had a year to report. How would I have even know if all my information on the account was false. I have called back multiple times to work this out with them, and they refuse to give me any solution. We are now in its 5th month and I'm still not getting straight answers. 

My name is XXXX XXXX Phone number is XXXX Since I obviously never recieved the card or was the person that opened it, I can not supply a card number.

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