vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-03 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 got my credit ran today XX/XX/19 at the XXXX dealership because I am trying to but a new car but when they looked at my credit report they told me that I did not qualify to get a car loan due to having accounts in negative standing on my credit history. I looked over the accounts and right away I noticed that these accounts were not mine. I did not open any of these accounts and I have never allowed anyone to open an account on my behalf. I don't know why these accounts are on my credit or who opened them in my name but I have already filed a police report. I never got anything out of these accounts such as money, services or any other benefit nor did I participate in any purchases, payments or transactions in regards to any of those 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 2019-10-03 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 got my credit ran today XX/XX/19 at the XXXX dealership because I am trying to but a new car but when they looked at my credit report they told me that I did not qualify to get a car loan due to having accounts in negative standing on my credit history. I looked over the accounts and right away I noticed that these accounts were not mine. I did not open any of these accounts and I have never allowed anyone to open an account on my behalf. I don't know why these accounts are on my credit or who opened them in my name but I have already filed a police report. I never got anything out of these accounts such as money, services or any other benefit nor did I participate in any purchases, payments or transactions in regards to any of those 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 2019-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal is holding my money for 180 days. The money received was from our business account. I have uploaded all documents verifying my identity and documents. The money is suppose to be used for medical reasons and they still froze my account and not able to withdraw my funds. We've explained to them PayPal or our account shall not get any charge backs because it is a transfer from one account to another. It wasn't a goods and services transaction and it was suppose to be as family and friends. Money was sent from XXXX, in which we own, to our personal account, XXXX. We've tried to explain this to them and tried to get a hold of someone in corporate, but was unsuccessful. Please help, as I can not be without certain medications and I'm waiting for a XXXX  XXXX. This has caused great amount of stress and frustration. One of the documents uploaded was a photo of one of my medical bills. Not to mention I have to pay for my housing. The reference number is below. I will personally hold PayPal responsible if anything should happen to medically, mentally, and physically. 

Reference ID : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03 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: FL

Complaint narrative:
I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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 2019-10-03 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: FL

Complaint narrative:
I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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 2019-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I sent Portfolio Recovery Associates a Cease and Desist letter by certified USPS mail which they received on XX/XX/2019. They have called me several times since past the 30 days in violation of the FDCPA : - XX/XX/2019 from XXXX - XX/XX/2019 from XXXX - XX/XX/2019 from XXXX - XX/XX/2019 from XXXX - XX/XX/2019 from XXXX - XX/XX/2019 from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have had student loans for over 20 years and they have been sold over and over to servicers. I dealt with Navient for many years, with much difficulty getting a clear concise answer. I was told and did apply for forbearance several times until i could no longer do it. I did go into default at one point. My loans were once again sold and now i am trying to pay via XXXX. 

I feel i would have been in a better position and not had a default on my record if i had better guidance. I am told that i should be able to be part of the current litigation against navient but i am not sure what to do next. 

Also, with the length of time i have been paying school loans am i not entitled to some sort of forgivness??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TX

Complaint narrative:
In XXXX of 2017 we accepted a 3 month deferred payment plan as a result of Hurricane Harvey. Prime Lending gave us the option of refinancing, accepting a partial payment plan, or repaying the amount due. We elected to repay the loan and we have verified multiple times with the mortgage company that our account is in good standing, we are paying as agreed, and our account is current. 

Despite this, Prime Lending has been adding derogatory remarks to our credit report since 2017 indicating that we are on a partial payment plan. This is preventing us from refinancing or getting other loans as we are essentially locked in with Prime-lending. To this day when we call they deny we are on a payment plan but continue to add these comments We sent a certified letter on XX/XX/XXXX asking them to remove the comments or show proof of acceptance of a payment plan agreement. Prime Lending received and then denied our request for resolution. We raised disputes with all three credit agencies which were again denied by Prime Lending. 

On XX/XX/XXXX we sent a certified letter again asking for a copy of the signed partial payments agreement. On XX/XX/XXXX a " Presidential Dispute Representative '' called us to ask some questions. Together we went through all of the payments made since 2017 and confirmed all of the payments had been made and our account was current. A Ms. XXXX XXXX informed us she would get back to us in 5-7 business days with a response. There has been no response and the number I had previously been given to contact her is no longer in service/ can not receive direct calls. We have been blocked from contacting Prime Lending. 

We are asking that all comments of " Partial Payment '' be removed from our account immediately and we will likely be seeking retribution for this unfair act by our mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
This is a complaint against SunTrust bank and it's unscrupulous, inhuman and unethical business practices. SunTrust bank is closing my checking and savings account without giving me any notice or reason why they are closing my account and they are not letting me access my account whatsoever and they also blocked my debit card for me not to spend my own I repeat my own money. There were several transactions on my account that that needed validate on just to make us I was the one making those purchase which I validated and they are still bent on shutting down my account. Right now I am out of state with no money and food to eat for several days now and can not do anything nor move anywhere as a result of the situation SunTrust bank has put me in. I am starving and XXXX going through a lot of emotional, psychological and financial breakdown due to the inhuman treatment SunTrust bank has netted out to me. I did not do anything shady or suspicious with my bank account whatsoever. I have tried to resolve this issue with the bank on several and several occasions for them to release my money to me as I am not owing the bank but they would not listen. This is my story and just wanted to be heard.

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 2019-10-03 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: FL

Complaint narrative:
I sent request about removal incorrect information on me credit report. I checked it and find out a few medical collection which I never belong to me. I always paid my bills in full and never had a dept. All of them opened like fraud accounts.

( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

Please remove as soon as you can every fraud 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 2019-10-03 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: National Credit Systems,Inc.
State: MI

Complaint narrative:
on my credit report I have noticed that I have two different third party credit agencies reporting the same debt on my credit report. I have learned and understood that this is a violation of the CFPB and FCRA. I have sent several disputes to both agencies and they're both continuing to report the same account. I also noticed that XXXX XXXX XXXX is charging interest on top of the balance they claim I owe. I have went as far as to calling the apartment complex ( original creditor ) to see what debt I owed they were unable to give me any information, they mentioned that they had just purchased the property and gave me contact information on the company that owned it previously. I contacted a company called XXXX to find out information on the debt and they gave nothing. I also went as far as calling XXXX XXXX which is the company that XXXX XXXX says they collect for and they were also unable to find any information on me, not only do they not own or manage the property they also said that they have not used a third party to collect for them since XXXX on XX/XX/2019 I spoke with an XXXX XXXX representative by the name of XXXX and her supervisor name was XXXX. she was very rude and she yelled at me told me that this she didn't care to listen to what I had to say over the phone that she would continue to harass me until I send in letters in which I've done on several occasions. I also went as far as trying to ask questions about the debt to get information and she hung up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Apothaker & Associates, PC
State: NJ

Complaint narrative:
I have a situation with a harassing collector with verification of validation letters, and I am still investigating why they are wanting to collect on a debt that exceeds the amount and the time of the statues of limitation in my state of NJ. 

My finances went out of control, and I have the reason to believe based on collectors standards, any debt charged off from the original institution, is sold pennies on a dollar. 

So if in any case I should pay, it should be above the amount purchased enough for them to attain a fair profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient keeps calling extended family members and those who have nothing to do with my debt. They have my address and phone number so there should be no reason to call family members. They also call my personal cell after XXXX XXXX and sometimes before XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: FL

Complaint narrative:
I sent request about removal incorrect information on me credit report. I checked it and find out a few medical collection which I never belong to me. I always paid my bills in full and never had a dept. All of them opened like fraud accounts.

( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

Please remove as soon as you can every fraud accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03 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: FL

Complaint narrative:
XXXX XXXX has sent back " verified '' when I disputed with them XX/XX/XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX XXXX XXXX XXXX  ), XXXX XXXX, XXXX ( XXXX XXXX XXXX ) one of these XXXX accounts literally XXXX  is the ONLY credit Bureau reporting this. It shows XXXX : Date last Active : XX/XX/XXXX but Last reported : XX/XX/XXXX. 

This other XXXX account is being reaged all three credit bureaus are reporting different last activity dates. XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX & EQUIFAX:XXXX LAST REPORTED DATE : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX & EQUIFAX:XXXX. 

In my first dispute with XXXX their " verified '' letter they told me their getting the information from company called XXXX XXXX which I never heard of. So I contacted them for a report ( still waiting for report ). XXXX ( XXXX XXXX ) account shows on all three bureaus with different information on ALL three as well. How can these credit bureaus gather information from random companies? but if I ( the person who your reporting on ) tell you it's false information you won't believe me smh. 

I even tried to send out " VALIDATION '' letters to these collection companies to understand how do I owe them and XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX has rejected my mail at their XXXX XXXX XXXX address and it has returned back to me. I've tried another one of their other addresses on XX/XX/XXXX. When I look them up it only shows a number to call. 

Also on my XXXX  report my student loan shows 7different accounts ( I have other ones in great standings ) these 7 accounts ONLY on XXXX there showing XXXX XXXX XXXX XXXX I'm LATE 120 days in each box ; HOW?? How, there is only XX/XX/XXXX days in a month. This is VERY disturbing. Ive reached out to The Department of Education about this matter. XXXX an EQUIFAX are reporting this company XXXX XXXX XXXX. 

Now XXXX says my payment status is " CURRENT '' payment history shows " ok '' but on XX/XX/XXXX shows " CO '' high credit : {$9700.00} yet EQUIFAX says payment status : " UNKNOWN '' and High credit : {$0.00} payment history isn't showing ; with different reporting dates. EQUIFAX is also reporting address that doesn't belong to me. 

I never lived at that place ( I can point out the address )

Company response to consumer: Closed with non-monetary relief