vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax dropped my credit score 56 points to XXXX on XX/XX/2019. The only change that happened during that time is I paid {$70.00} to my XXXX XXXX XXXX  credit card. My score just prior to that on XX/XX/2019, was XXXX. I contacted Equifax on XX/XX/2019, asking why they lowered my score when it should have been increased from reducing my overall balance. The supervisor, XXXX, at Equifax looked into my account and confirmed that she did not see any reason why it should have been lowered. She created a complaint ticket for me, # XXXX. She also mailed me my credit report. I waited one month and called Equifax on XX/XX/2019, to follow up. XXXX could not tell me any additional information and there is nothing further she can do. I will call FICO XXXX next to see what can be done. As of today, there is still 50 points difference between my Equifax ( XXXX ) and XXXX  ( XXXX ) scores. There is no justification or accountability of why Equifax lowered my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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 am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX  data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned 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 2019-11-11 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:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX  data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned 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 2019-11-11 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 am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the equifax data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
Received loan on XX/XX/19 with biweekly installment payment terms. Changed banks in XXXX. Took me a full month to get any assistance from customer service to update my banking info so that I can continue to make payments. Finally it worked. In XXXX of XXXX, the company stopped debiting my payments but continued to debit my " membership fees '' ( a requirement if you have a loan ). I have been contacting this company daily ever since and only getting automated messages to update my app and re-add my banking info, which I have done repeatedly. Nothing works and I can not get a live person on the phone to save my life. I started emailing in XXXX as well as calling, I have attached screenshots of my sent emails to them as well as the content of one of those emails, and still no response or action was taken to help me.This company is now reporting me as defaulting on my loan and respond to my disputes no problem but still can not address the issue with why they can debit my account for membership payment but not loan payments. I tried to pay the loan in full so that I can be done with this company once and for all, and they never processed that payment either and still will not respond to me or answer my calls. Meanwhile, on their website, it shows my loan is paid in full, yet I know it hasn't been and they continue to report me for non payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, XXXX and XXXX XXXX submitted a home loan application at your XXXX Navy Federal Branch with Ms. XXXX ( XXXX ). She provided excellent customer service but every encounter thereafter was less then professional. XXXX advised us the we would receive an offer letter within two weeks of submitting the loan application. 

Using the XXXX provided all requested documents on XXXX XXXX, XXXX. We did not hear anything from Ms. XXXX for over a week. My husband called and emailed her several times. 

After three weeks we finally received a call and email correspondence on XX/XX/XXXX, stating that a decision was made and to return her call to go over the decision. My husband spoke with her and she advised him the the loan was denied and she did not provide specific details regarding the loan denial. She merely stated that we had to many delinquencies in the past 12 months. My husband is a veteran and he served XXXX yrs. in the XXXX XXXX and we are both government employee 's. We have had a attitude of service for both the country and state of California but no one will serve him! 

Ms. XXXX XXXX did not provide information about were we could retrieve the information used to deny the loan. Her lack of professionalism with regard to timeless, providing information, and lack of customer contact throughout the process, made our experience horrible. 

My husband and I feel discriminated against because we were asked where we wanted to purchase our home, because he is paying {$740.00} per month in child support ( which will cease in XX/XX/XXXX ) and because my husband and I complained about her vigorously. We called the Navy Federal Branch manager and supervisor ( who we couldn't get on the phone ) who we left messages with requesting a return phone call. No one ever returned our calls. 

We submitted a written request for an appeal of the decision and yet again ; no correspondence, decision, contact, answered calls. As a matter of fact the phone number she leaves on her voice mail is disconnected. Call it : Her Cell - XXXX and the number she says to call her at XXXX ( disconnected ) We will be reaching out to the State Attorney General 's Office to see if any laws have been broken and to request some mediation/resolve. We would love to here from you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I've had my personal and business account with TCF Bank for over a year. The business account was closed due to non-activity and account maintenance fees. The personal account I have with TCF Bank I just recently found out my account was closed due to a " fraudulent '' transaction presented to my account multiple times that caused my account to go into a negative status. I haven't used the account in almost a year and recently spoke with a representative back in XX/XX/2019 that stated the account was in a dormant status because of no activity within 1 year and I was told I would need to go inside the branch to re-activate the account and at the time the account was in a positive status. Today, I spoke with a representative that stated the account was closed and sent to collections for an account balance of {$140.00} in fees due to a " fraudulent '' charge being presented to my account multiple times. I don't understand how this could happen and don't want my banking relationship with TCF Bank to ruined or my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
On XX/XX/2019 I spoke to a Ditech representative, she set up electronic payment arrangement plan for my to pay back the pass due amount for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, totaling at little over {$3200.00}. Today I was informed the mortgage is in foreclosure and I must pay over {$7500.00} to reinstate the mortgage. Apparently it went to foreclosure on XX/XX/2019. I spoke with two representatives today, each had different information to share. The first one said I will receive a reinstatement letter with past due amount plus legal fees due and the second representative informed me the payments electronically taken will be returned. I thought I was on a payment plan to repay loan. I am not getting correct information and I don't understand why payments were never applied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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:
Experian is reporting two fraudulent accounts on my report and refuses to block said accounts. 

I have attached an FTC affidavit with the 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 2019-11-11 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank recently acquired PAYPAL and have started reporting all accounts to the credit bureau. I had NO idea this was going to take place, and their reporting drop my credit score 61 points. I went from XXXX to XXXX, from Excellent Credit, that I work tirelessly to maintain to the status of Good credit. It was literally reported two weeks ago and reflects on my credit ( positively ) since XX/XX/2019, and it was like it was retroactive. 

I called PayPay, who directed me to PayPal Credit, who led me to PayPal again, then to Synchrony Bank. At that point, I was told that a letter was mailed to me in XXXX, which I never received. I requested a copy of the " letter '' sent and have yet to receive it.

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 2019-11-11 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:
XXXX is reporting two fraudulent accounts on my report and refuses to block said accounts. 

I have attached an FTC affidavit with the 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 2019-11-11 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: DISCOVER BANK
State: OH

Complaint narrative:
On XX/XX/XXXX I received a call from Discover that they suspected fraud on our credit card account. They said a purchase was made at XXXX in XXXX OH and then the card was used two more times and rejected. I confirmed that I was at home and my husband was at work and neither of us made any purchases at XXXX that day. Discover closed our accounts, issues new cards, and removed the charges of {$61.00} from our account. 
I thought it was all handled and done. We then received a letter in XXXX stating that the charges were being put back on our account because it was not fraud.I called and talked to their customer service fraud department for an explanation. They said we couldn't prove the charge wasn't us and since it is a store we shop at, we are now responsible for the charges. The fraud department said they would review again but i have heard nothing since and it has been 30 days. The charges are still on my account saying I'm responsible to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I pulled my credit report and noticed there was a collections account from LVNV Funding. On XX/XX/19, I sent a letter to this collection agency asking if they could validate the debt. They did not respond. Instead I received a letter from Resurgent Capital Services dated XX/XX/19 stating they are a collection agency collecting on behalf of LVNV Funding. I then sent Resurgent Capital Services a letter on XX/XX/19 asking them how could a debt collection agency be collecting on behalf of another collection agency and to validate the debt. I also sent another letter to LVNV Funding once again asking them to validate the debt. On XX/XX/19, I received a letter from Resurgent Captial Services stating after their investigation they are closing my account ; however, as of XX/XX/19, I still have not received a response from LVNV Funding and the account is still listed on my credit report ( XXXX  ). I sent my final letter to LVNV Funding today XX/XX/19 and is asking CFPB to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
As stated in a previous complaint on Portfolio Recovery Associates, they continue to provide invalid information. According to my lawyer the documents that they have submitted are hearsay and are invalid. In my research this company has done this to other consumers and has been sued in past in favor of the consumer. I would like for negative information to stop being reported on my credit reports and for the account to be removed before this situation has to go to the court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CARS Acquisition, LLC
State: FL

Complaint narrative:
I financed a XXXX XXXX XXXX from a buy here pay here dealership called XXXX XXXX in XXXX, FL on XX/XX/2019 for {$4900.00}. Since buying the car I have had nothing but trouble from it. The driver side seat belt didn't work, it needed a tune up, there was a scrubbing noise coming from the undercarriage. I took the car to Georgia and it broke down on me several times including the tires blowing out on me twice. I finally got the car back down to XXXX and called them to come get the car and they did on XX/XX/19 I am filling this complaint because I want the financing company, Car financial services to close out and delete the account from all three of my credit reports. This situation has caused me great undue stress and hardship and I want it resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
This company has been calling people that live in my town after Ive asked them not to contact me. I was injured at work, lost my job and am trying to deal with getting back on my feet. They called a woman in town several times over the past few days and have been calling me on an average of 5 times daily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12 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 REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THOSE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THOSE ACCOUNTS AND I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION ON HAND. BECAUSE OF THIS, IT HAS CAUSED A GREAT HARM TO MY CREDIT AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2019-11-12 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: Diversified Consultants, Inc.
State: TX

Complaint narrative:
2 Accounts in collections under the company of Diversfied Consultants reporting the wrong delinquent date on both accounts. I have a account that went delinquent with XXXX the original creditor XX/XX/XXXX, and another account with XXXX XXXX that first went delinquent in XX/XX/XXXX. I want these accounts verified with the original creditors, I want a copy of what was used to verify both accounts. Under section 611, I want all verified resources to be mailed to my address on my credit report. Im trying to avoid getting an attorney to help me with this matter. I want all information on my credit report, reporting accurately or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THOSE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THOSE ACCOUNTS AND I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION ON HAND. BECAUSE OF THIS, IT HAS CAUSED A GREAT HARM TO MY CREDIT AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2019-11-12 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 REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THOSE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THOSE ACCOUNTS AND I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION ON HAND. BECAUSE OF THIS, IT HAS CAUSED A GREAT HARM TO MY CREDIT AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with non-monetary relief