vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-12 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: NV

Complaint narrative:
These accounts are not mine. Also, there is an address in which I have never lived there.

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 2020-03-12 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: NV

Complaint narrative:
These accounts are not mine. Also, there is an address in which I have never lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: NV

Complaint narrative:
These accounts are not mine. Also, there is an address in which I have never lived there.

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 2020-03-12 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This week I received 2 offers from Capital One saying I was pre-approved for a {$150.00} cash back card after {$500.00} in charges. I applied and was denied both cards despite excellent credit and paying my cards in full every month. I want Capital One to never be allowed to send me a application in the future. They send these pre-approved offers to me regulary and I want it stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. 
ACCOUNT PAID IN FULL AND CLOSED, THERE IS UNAUTHORIZED RE  BILL CHARGES THAT WAS RESOLVED AND SETTLE AFTER ACCOUNT CLOSURE.

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 2020-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: IN

Complaint narrative:
1 ) I asked PNC Bank to make automatic deductions of {$82.00} from my checking account monthly and pay XXXX XXXX XXXX. 
2 ) Deductions were made sporadically. 
3 ) XXXX XXXX XXXX contacted me around XXXX stating that I no longer had to pay a XXXX Late penalty of {$6.00}. 
4 ) Around XXXX payments were decreased to {$79.00}. 
5 ) PNC did not make deductions in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX which resulted in me being disenrolled from the insurance. 
6 ) In XXXX, XXXX- {$79.00} payments were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In response of my first complain to Transunion about XXXX XXXX on the XX/XX/2020. 

On the XX/XX/2020 I called Transunion in response of their statement they made about my current mailing adress. I spook with 2 representative and finaly with their supervisor. The first representative told me that my current mailing adress is well updated, but he transfer me to the fraud department, the fraud department representative told me she couldnt pull up my account, she transfer me to her supervisor. This supervisor pull up my account and she told me that everything with my account is allready updated and that every thing is ok with my account, once again I ask her about my current mailing adress and she repeat that my adress has been always been in my transunion report, that she dont understand why on my CFBP complain Transunion stated that they dont have my current mailing adress. WELL THIS IS THE KIND OF SITUATION I HAVE BEEN DEALING WITH WHEN MAKING DISPUTES WITH TRANSUNION, NAMED AS FALSE STATEMENTS, MISLEADING AND ERRONEOUS INFORMATIONS, TRANSFER FROM ONE DEPARTMENT TO ANOTHER. I WILL KEEP AN OPEN EYE ON TRANSUNION AND START TAKING LEGAL ACTION IN LOCAL DISTRICT COURTS

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 2020-03-12 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
Dept of Ed Navient for XXXX account number XXXX XXXX  XXXX XXXX XXXX XXXX pa XXXX This is XXXX XXXX making a complaint against The department of Navient. Over the last couple of years I have called navient over and over again asking them to look into and remove this account noted above. I have stated that this is not my account. I have a loan with them from XXXX University and XXXX University I'm not disputing that, but I am disputing this one account that they can't tell me anything about other than it came from a company called XXXX XXXX. Upon talking to them on XX/XX/XXXX I was told that there was nothing that they could do for me to call XXXX. From there I was told to make a complaint and they will go from there. I proceeded to state to tthe young lady on the phone that navient also tried to send me a letter after all conversation on the XXXX of XX/XX/2020 stating that I requested a name change and to fill out and return. This was not the case I never asked for a name change. I asked them to remove an item that was not mine as they had done on XXXX  but yet it still remained on XXXX  and XXXX. Now, they removed this last year so I'm thinking that everything is fine until I went to pull my credit again this month and to my surprise it's still there. What they tired to do after speaking to me was trying to do is make me responsible for this account by asking me to put in a name change. I have also was written them letters stating that this was not my account last year around XXXX. I've also complained about this account on numerous occasions years before and it still shows up on my credit report and in there system. At one point they took it off of my XXXX   and when I saw it came off I ask them if they could take it off all 3 reports reflecting what was on XXXX. This item is stopping me from moving forward on buying a home and I like for navient to remove this item from my credit report as well as their system leaving me only on them for XXXX and XXXX University. buy them trying to get me to do a name change is deceitful and I feel like they were trying to call me into being responsible for this loan they got from XXXX XXXX. and I've also noticed when I open up my account with them they have me under another name The name is XXXX this is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank closed account with a vague letter never listing accounts. Moved positive balance from savings to checking without my knowledge then proceeded to collect positive funds with a hold on my account which I also wasnt informed of. Made several attempts to try and get my balance paid to me. Waited over an for bank manager at XXXX XXXX site who kept me waiting in lobby although he was informed I was coming in when the store opened at XXXX. Local time now XXXX. I got here at XXXX. Then team members wanted me to make an appointment. Then was told to wait in line. Teller eventually helped .Customer service on phone was no help either they told me Id have to wait 10 days but Lester was mailed on XX/XX/XXXX and today is XX/XX/XXXX. In

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was enrolled into a credit monitoring subscription without my consent or prior authorization by TransUnion. I did not enroll into any subscription, but while trying to access my credit score was told they needed my Credit Card information to verify my identity. I was subsequently enrolled and charged for a credit monitoring service that I did not request or want. 

I had to contact the company in order to obtain a refund that will take up to 10 days.

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 2020-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
SYNCB/PAYPAL on XX/XX/20 placed a hard inquiry for credit on my credit report. I did not apply for credit with syncb paypal.

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 2020-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
I'm in the Public service loan forgiveness program on XX/XX/XXXX my loans that were eligible for the program were transferred from XXXX XXXX ( XXXX ) to Fedloan. Every year I get closer to forgiveness the more problems I am having. Last year they miscalculated the amount i was suppose to pay which was {$54.00} ( now {$65.00} ) and my payment shot up to {$240.00} which they promised to refund for their error and never did. They said I turned in my re-certification form too early ( XXXX ) but didn't notify me that my account was going to go up until XXXX less than 2 weeks before the {$200.00} payment was due. 

Current issue : I was sent my yearly employee certification form on XX/XX/XXXX and re-certified no problem. On Monday I went in to look for my re-certification form and it was missing. When i asked them why my form was missing they told me I wasn't eligible for program I had been in since XXXX. 

I know this seems like no big deal but it took over 3 weeks several e-mails and phone calls to get the {$200.00} bill resolved and they didn't keep a single promise from their phone calls. I need someone to help me sort out exactly what these people are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: NV

Complaint narrative:
These are not my accounts, nor did I authorize these inquiries to be pulled on my credit file.

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 2020-03-13 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: NV

Complaint narrative:
These are not my accounts, nor did I authorize these inquiries to be pulled on my credit file.

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 2020-03-13 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: NV

Complaint narrative:
These are not my accounts, nor did I authorize these inquiries to be pulled on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: AZ

Complaint narrative:
XXXX XXXX XXXX debt and derogatory statements were added to my credit reports in early XXXX. I do not owe XXXX nor the XXXX XXXX   the money reported. It is the 80 % insurer 's copay that is on my credit report. I paid in full my 20 % copay to the XXXX XXXX  in XX/XX/XXXX and made them aware that my insurer had originally denied the claim but it was under appeal. I even provided the Plan Document sections to show that the procedure was covered. The XXXX XXXX  was in network and thus has a contract with my insurer and could have easily confirmed with the insurer that it was under appeal, but chose instead to send a collection agency after me for the insurer 's share. In XXXX, I even provided the XXXX XXXX  with documentation that the doctor ( who is part owner in the XXXX XXXX  ) had been paid and suggested they check with the doctor 's staff to see what they did differently to get paid by the insurer. I prevailed on my appeal and the XXXX XXXX  has been paid by the insurer and the insurer is sending a demand letter to the XXXX XXXX  to release me of all liabilities by them and their collection agency. 

I had promptly disputed that I owed more than I had already paid with the original provider AND the collection agency. I had requested the collection agency to provide evidence that I owed more than I already paid in XXXX ( {$450.00} ). They failed to do so, in violation of FDCPA and reported it to the Credit Bureaus in early XX/XX/XXXX. I disputed it with all three credit bureaus and all EXCEPT Experian promptly removed it from my credit report, since it was truly not my debt during the appeal process. I have now sent two additional letters to Experian since the original dispute was filed on XX/XX/XXXX. They have failed to remove the XXXX debt from my credit report. I have provided Experian evidence of my payment of my 20 % responsibility and the insurer 's payment for their 80 % responsibility ( which is the amount shown as my debt by XXXX even though it never was my debt ). 

I am also frustrated because I can not get a real person at any of the phone numbers for Experian ( I tried three different numbers ). I wanted to ask them what exactly I needed to provide to get it removed. Their failure to have a customer service line with real people rather than just recordings is clearly one of the factors that has contributed to them failing to remove this unverified debt in the 30 days as required by the Fair Credit Reporting Act ( and as was done by the other two credit bureaus ).

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 2020-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
Notice for Proof of Claim Account : DIVERSIFIED CONSULTNTS # XXXX**** To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One refuses to interact with slecific third party money services. Many services use a service called XXXX to get information so consumers can use their product with ease. But some banks, like Capital One, are really dragging their heels in working with XXXX  to have issues resolved. 

Since first downloading XXXX in XXXX of XXXX, I have had these problems. My specific issue lies with the inability to link accounts on XXXX. I called and talked with both Capital One and XXXX in XXXX of XXXX. Capital One assured me they were working with XXXX  onna solution but it has been months. I have seen no news of " working together '' only a growing list of people experiencing issues with Capital One 's grip on financial information. 

I greatly enjoy the benefits of Capital One credit cards, but this specific head ache has me looking to switch to competitors simply for the freedom of my own financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: NV

Complaint narrative:
These are not my accounts, and this Bankruptcy isn't mine. Please remove them.

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 2020-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
Synerprise Consulting Services is reporting a charge-off medical account on my credit report that I have no knowledge of. I consider this a case of Identity theft as XXXX  breached my credit information and it only appeared after the breach. I have asked both Synerprise and XXXX   multiple times to provide me detail about this account such as doctor name, full account details, medical documents with my signature, and most importantly a HIPAA release statement required by law. They have not been able to provide any paper trail leading to me to prove their case. They have only tried to verify the account using E-Oscar which has a legal history of being unreliable in court as verifying the debt. I have a right under Fair Credit Reporting and Fair Debt Collecting law to have inaccurate, unverfied information removed from my credit report. Under the FCRA, XXXX  which breached my information to begin with, is required to provide me a method of verification within 15 days of my request and they have not done so. I need this account removed from my file immediately. Synerprise is violating my rights and damaging my credit, and XXXX  is commiting willful non-compliance by not removing the information that can not be properly verified by any means other than electronic file with no backup documents or signatures.

Company response to consumer: Closed with explanation