vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
showing information on back ground that is a FTC violations

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 2020-04-06 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:
I've sent in information in XXXX and waited for a reply. I should have had some kind of tracking with it because the company never replied. I'm am simply trying to resolve some issues with my credit report. They are addresses I never lived at, names I don't go by, and misspelling etc, with never accounts they I don't recall opening and that flat out are not mine. I had some documentation from Equifax showing that I was a victim of the data breach that they had a while back so I'm sure that where most of this stems from. I've reattached the information in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revenue Enterprises, LLC
State: KS

Complaint narrative:
Received collections letters & phone calls from Revenue Enterprises regarding debt that was already paid for by my health insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: OH

Complaint narrative:
We deposited our income tax refund check in our PNC bank checking account through the ATM in amount of {$5900.00} on XX/XX/2020. The check was denied and a email was sent as a duplicate check. Nothing was sent to our home address from XXXX, Pennsylvania through the United States Post Office. So right now it is considered as a lost check and nothing is being done with PNC bank about finding our check. All PNC bank is telling us that we should contact the IRS, when the issue of the lost check is on PNC 's banking end. They have the original copy of the check, we never got an original or duplicate back so that it could be re-deposited. In all their making it seem like it is our fault that it has been lost in the mail, we have never received it back in the 1st place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello, CFPB. I am sending the attached correspondence to American Express. This company has committed multiple violations to the Fair Credit Reporting Act.

Some of the violations : 1. Inconsistent credit report.

2. Reporting incomplete information Please send the attached documents to American Express. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Recovery Systems, L.P.
State: NV

Complaint narrative:
XXXX, XXXX, and XXXX  have my previous name stored as XXXX XXXX ; however, my name is XXXX XXXX XXXX. This has allowed for two different collections companies to post inaccurate information on my credit reports, resulting in a credit score decrease.

# 1 XXXX  Only XXXX XXXX for {$3800.00} Actions Taken : They sent multiple letters address to XXXX XXXX prior to adding this to my XXXX  credit report. I've sent them all of the backup information proving this is not my account, yet it has not been removed.

# 2 XXXX   & XXXX  Only Paramount Recovery Systems for {$2800.00} Actions Taken : This account was originally disputed on XX/XX/2019, XXXX XXXX XXXX XXXX in the amount of {$2800.00} under the name XXXX XXXX. On XX/XX/2019, it was removed from all ( 3 ) of my credit reports. Immediately afterward XXXX Hospital instructed another one of their collections companies Paramount Recovery Systems to add a collections account for {$2800.00} to all ( 3 ) of my credit reports. Since then I contacted XXXX, XXXX, and XXXX, only XXXX has removed the Paramount Recovery Systems {$2800.00}. I sent XXXX  and XXXX  all of the backup information proving this is not my account, yet it has not been removed. 

Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: NC

Complaint narrative:
My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount items that were opened under my social security number and by the look if it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX  XXXX {$140000.00}

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 2020-04-06 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: NC

Complaint narrative:
My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount items that were opened under my social security number and by the look if it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX  XXXX {$140000.00}

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 2020-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
On XX/XX/2020, I received an alert from my credit report that I owe an amount to a company called The Bureaus. I have tried to locate a number for this company as it is 3 different addresses listed on my reports. As I do further research, on the attorney general website of Florida, The Bureaus isn't listed as a licensed company to collect in Florida. I have no knowledge of the said debt and this company did not send me the proper debt validation before reporting negatively to my reports and heavily impacting my scores. This company is within 2 violations and I request that this company is removed from my credit reports promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} XXXX XXXX {$240.00} XXXX XXXX {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
the problem is with my Capital One credit cards, which have been blocked for use as well as access to my account online. 
I have been a customer for 18 years and without prior notice my credit cards have been blocked. I have excellent credit. 
I have spoken with the company for a month in innumerable calls, but they do not give me a solution. 
I do not reside in the USA, so I do not have a USA phone and they allege that they can not verify my identity ( I have offered to the company the phone number of my accountant in the USA. I have a company in XXXX, FL ), but they have not accepted it because the phone is not in my name ). I have faxed the company a note ( XX/XX/2020 ) and a copy of all the documents so that they can verify my identity ( Passport, United States Visa, SSN, copy of the statements, etc, etc ) and neither They haven't even answered me. I have already exhausted all the instances that are within my reach. The problem is that I am quarantined in XXXX and I urgently need to use my credit card. I do not understand the reasons they put to rehabilitate them. 
Please, I beg your help to solve the problem for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06 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:
I've sent in information in XXXX and waited for a reply. I should have had some kind of tracking with it because the company never replied. I'm am simply trying to resolve some issues with my credit report. They are addresses I never lived at, names I don't go by, and misspelling etc, with never accounts they I don't recall opening and that flat out are not mine. I had some documentation from XXXX  showing that I was a victim of the data breach that they had a while back so I'm sure that where most of this stems from. I've reattached the information in this complaint.

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 2020-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I paid the debt on XX/XX/XXXX. I disputed account on credit report on XX/XX/XXXX. Dispute report was finalized on XXXX nothing changed even after presenting supporting documentation. The account still showing incorrect balance.

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 2020-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
See attachment for specific details : Unauthorized charges, incorrect billing/credit to accounts, constant run around and neglect to resolve issue in reasonable time on Chases 's  part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear SR or MADAM. I am writing to complain again my case. Because i was in the court on XXXX as you know i complained to XXXX  XXXX  XXXX  i had account # XXXX.I been paying for 2 years plus, which was for my debt with citibank credit card the account # XXXX .So they sent me transcripts of checks. The checks are pay to the order of CITI and below says for XXXXCITICORP CREDIT services, INC.IN the court they say does not prove the debt was paid because on the checks does not show this account - XXXX.So i have to back to court on XXXX. So i need to find out where the CITICORP. credit servises inc put those checks in. It should be applied for this account XXXX. And basically that is the complain to CITIBANK. Thank you so much.

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 2020-04-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
I took out a {$12000.00} private student loan from Navient ( then Sallie Mae ) when I went to the University of XXXX. My mother cosigned on the application. It came with a 9.75 % variable interest rate, which was terrible, but neither my mother or I were very financially literate going into student loan borrowing, and we made some bad decisions. It's my understanding that since then, such a loan has been made illegal and labelled as predatory. I graduated into the recession with a XXXX XXXX degree, and spent years making just enough to live on, unable to repay any of my loans and also cover my bills. 

The last four years, however, I've been making a stable wage and paying my loans on an income-based repayment plan. I make about {$28000.00} a year after taxes, and in the last four years I've paid {$26000.00} against my student loans. My federal loans received {$13000.00} of that - dropping my principle by around {$1000.00} or so ( the rest went to interest ). My private loan got the other {$13000.00}, and the balance on dropped a few hundred dollars. I called to ask about dropping the interest rate now that I'm paying reliably, but they declined. They have no legal force to press them to care, so why would they? 

I pay {$7000.00} in interest to student loans, every year, just for the privilege or being able to reduce my total balance, but that {$7000.00} a year is all the money I can spare - so my balance doesn't drop. I can't consolidate my private loan in with my consolidated federal loans, because my income to debt ratio is too low. 

I borrowed less than {$60000.00}, and I have no problem paying that back, even with a reasonable amount of interest - I'd have it done in another 10 years if that was all that was needed. But since my loans grew and grew for years, and since so much of my ability to pay goes to my constantly stacking interest, I'll end up paying over $ 250- {$300000.00} for my piecemeal XXXX  college education. If I can't increase my earnings and therefore my payments ( unlikely given wages have been stagnant for 40 years, and especially unlikely now that we're going into another recession ), then I'll pay until I'm eighty years old, without any saving for retirement, without any access to economic security or flexibility, without any hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is a fraudulent inquiry on my credit report XXXX XXXX XXXX | XXXX. 
I did not authorize this inquiry.

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 2020-04-06 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is a fraudulent inquiry on my credit report XXXX XXXX XXXX | XXXX. 
I did not authorize this inquiry.

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 2020-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Due to the COVID-19 pandemic, my small business has been impacted substantially resulting in a loss of over {$20000.00} in just two weeks time. Unfortunately, the timing of the pandemic occurred during our peak season of operations. We are in the hospitality   business and depend on the additional income received during the months XXXX - XXXX, to supplement the lack of income during the summer months. Our business provides XXXX  services for short term rentals in the area, also known as, XXXX 's and XXXX 's. Travel advisories placed us first in line as a business to become impacted by the pandemic. It will take over a year to make up the loss incurred. As a result, we are forced to re-enter the work force as employees. While looking for work that is already very bleak due to the large numbers of others that are also looking for employment during this unprecedented time, we hoped to receive a payment deferment from our mortgage company, US Bank. US Bank 's current relief program does not provide any relief or assistance. Payments can be made at our own discretion until XX/XX/2020 but all 3 months of mortgage payments are due in full by XX/XX/2020.  This only offers the opportunity to become behind on payments. Attempting to pay 3 months worth of payments in full is not realistic when we are already enduring incredible hardship from something that is completely out of our control. We have never been late making a payment to them since we've began making payments to them almost four years ago. Why can't the payments be deferred and tacked on at the end of the loan? Our credit union was able to do this and promptly did so for our auto loans with little to no questions asked. This would help us substantially while we try to get back on our feet. We are a small business. We've provided work and income to other families in need and will be the ones doing it again when the economy is trying to get back on its feet. Why is there not better help and assistance available to us when a national emergency and health crisis is at hand? We know we are not the only ones enduring this and hope that this complaint can bring true relief to other American families that need it most during this global tragedy.

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 2020-04-06 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:
Division of Child Support  Amount {$990.00} XX/XX/XXXX XXXX Department of Social Security Services Amount {$1700.00} XX/XX/XXXX These accounts must be removed immediately. They do not belong to me an they are not LINES OF CREDIT. I will file a lawsuit if they are not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc
State: MS

Complaint narrative:
Today I received a bill from Tate & Kirlin for a creditor that I have never heard of in my entire life saying I owe the amount of {$2800.00} suggesting that I pay them the sum of {$1400.00} as half or a settlement but how can I pay someone when I have never heard of these people who in the world is this company XXXX XXXX XXXX is beyond me. I have never received a bill an email a call nor a text message from this company in my entire life. How can I settle a bill when I have never received it in my entire life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} XXXX XXXX {$240.00} XXXX XXXX {$2100.00}

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 2020-04-06 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} XXXX XXXX {$240.00} XXXX  XXXX {$2100.00}

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 2020-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX  XXXX  XXXX XXXX {$440.00} COLLECTIONS XXXX {$4200.00} DEPTEDXXXX  XXXX {$1700.00}

Company response to consumer: Closed with explanation