vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-08 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: OLIPHANT FINANCIAL, LLC
State: MD

Complaint narrative:
I received a call from this company phone number called from was a robo/ XXXX ( XXXX ) XXXX not belonging to them. A XXXX asked for me and asked was dob XX/XX/XXXX she attempted to say shes a debt collector - I asked what company are you referring to she claimed XXXX Credit Card - very odd I explained because I had this removed from my report years ago for fraud ( the card was stolen and I proved not my debt with a previous company ) they never provide anything to me just removed it. She said well we bought this from them and not pursing? How can you do this after it was removed and resolved? Totally fraud. I will seek legal action from this company. They failed to research and threaten to add it back!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
called and closed account XXXX XXXX to date account is still active and XXXX mastercard will not send me a monthly ststement.

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 2020-07-08 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: SC

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Netspend Corporation
State: LA

Complaint narrative:
I they allow frivolous transactions that are hard to reverse. They gave me a credit, and took it back, I made a {$69.00} XXXX on XX/XX/2020 and got charged another XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
there are numerous inquiries on my experian credit report which i NEVER authorized or have seen before XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I XXXX XXXX got a pre-approval for a personal line of credit and someone with ghost technology ( XXXX ) ran interference and had XXXX XXXX, XXXX, and store manager XXXX XXXX XXXX lie about pre-approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: I.C. System, Inc.
State: TX

Complaint narrative:
I am reaching out about the below listed account. Kindly be advised, I am disputed the matter of the IC System account as the account is not my account. 
I C SYSTEM Last reported XX/XX/XXXX {$280.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs., 3 mos. ) Account status Open Original creditor name11 XXXX XXXX Once more, I am requesting the source of the payments made to the account be investigated as someone other than myself maintained the account for some time. 

From XXXX and XXXX I was in the XXXX XXXX, XXXX, XXXX, and XXXX. I have two expired passport booklets that will reflect my travels as well as time-stamped photographs. Moreover, I have one domicile, in which I have resided since XXXX. There was no need for any of the amenities listed in the below accounts as all were in my spouses name and furthermore, being abroad, the below amenities were null ; there was no need for these. I am more than willing to provide the above documentation of my whereabouts. I have disputed these accounts previously. I am disputing these accounts again and will continue to do so until the matter has been resolved. 
Respectfully, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I paid my PayPal extra MasterCard full balance {$270.00} XX/XX/2020, came out of my bank account XX/XX/XXXX. As of XX/XX/XXXX, it has still not posted. I called a rep and I was told there was a 14 day hold on the payment with 9 days left. I was not notified when I made the payment. Rep said customers have to call in to find out there is a hold. 
I spoke to a supervisor, but got no where. I have been impacted by covid19 and the money I was to use to pay bills is on hold.

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 2020-07-08 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I received a call from this company phone number called from was a robo/ XXXX ( XXXX XXXX XXXX not belonging to them. A XXXX asked for me and asked was XXXX XX/XX/77 she attempted to say shes a debt collector - I asked what company are you referring to she claimed Barclays Credit Card - very odd I explained because I had this removed from my report years ago for fraud ( the card was stolen and I proved not my debt with a previous company ) they never provide anything to me just removed it. She said well we bought this from them and not pursing? How can you do this after it was removed and resolved? Totally fraud. I will seek legal action from this company. They failed to research and threaten to add it back!

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 2020-07-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In late XXXX of 2020, I applied for a Lowes customer card. The application was approved and a confirmation was sent to my personal email. I have yet to use the card. 

In early XXXX, my brother contacted me because he had received two emails from Lowes/Synchrony Bank about the approval of my application. 

The issue is : Why would my brother receive this personal and sensitive information? 
He has a different name, leave in a different address and has a different email address. What if anyone one else got the same information? 

I tried contacting Lowes, and they referred me to Synchrony Bank, I called them on XX/XX/XXXX and they offered to talk to me about their privacy and data sharing policies. 

I tweeted a private message to Synchrony on XX/XX/XXXX, stating that I considered this to be a GLBA violation. They asked for my phone number, which I provided. 

They called me on XXXX and asked me to explain the issue and asked for my brothers email address, which I provided. 

They called me again on XXXX and stated that the email address on the credit card application was my brothers, which was not the case. I have never used my brothers email address, much less for a credit card application. Also, there is no way for them to email me to my personal email address a confirmation of the credit approval and also send two emails to my brother to a different email address if I only provided one email address. 

I only know that my information was shared with my brother because he brought it up to me, but what if the same information was also shared with more people. Or if this is not an isolated issue and something that is happening now.

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 2020-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
there are numerous inquiries on my XXXX credit report which i NEVER authorized or have seen before XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
there are numerous inquiries on my XXXX credit report which i NEVER authorized or have seen before XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$2800.00} XXXX  XXXX {$8800.00} XXXX XXXX {$520.00} XXXX XXXX {$3800.00} XXXX XXXX {$19000.00} XXXX XXXX {$4000.00} XXXX XXXX $ XXXX XXXX {$4000.00}

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 2020-07-08 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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$2800.00} XXXX XXXX {$8800.00} XXXX XXXX {$520.00} XXXX XXXX {$3800.00} XXXX XXXX {$19000.00} XXXX XXXX {$4000.00} XXXX XXXX $ XXXX XXXX {$4000.00}

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 2020-07-08 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:
This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from myreport as soon as possible. CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX DEPTEDXXXX XXXX {$8500.00} DEPTEDXXXX XXXX {$3400.00} DEPTEDXXXX {$17000.00} DEPTEDXXXX XXXX {$17000.00} DEPTEDXXXX XXXX {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: SC

Complaint narrative:
XXXX XXXX,2020 I completed a letter to all credit bureaus on inaccurate reporting for several accounts on my credit. They are reporting 3 different dates/years on charge off accounts. I requested for the credit bureaus to delete the account. The initial response was verified. I have also provided screen shoot within my letter from XXXX XXXX. I am submitting a second notice for the removal of the inaccurate charge off accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: MI

Complaint narrative:
There are two incidents on my insurance company report increasing my rates. The first is for a comprehensive claim on XX/XX/XXXX. I never filed a claim or even had an incident to report or claim during that time period. ( I did address this with XXXX and they sent me to Lexus Nexus for both my issues - and they do not get you to a real person. the automated hangs up once I try my name ) the second is for XX/XX/XXXX. at the time we had XXXX XXXX. I came out of XXXX XXXX  to find a hole in the back of my XXXX XXXX. I called the insurance company about it and they suggested I have an adjuster come out so I did. They said if it was hit and run not my issue. the adjuster came out and said it was around {$800.00} damage and that I would have to pay the {$1000.00} deductible to fix it. I refused the claim. But was confused by his findings since the damage was done by someone else. 
both these incidents are causing a huge increase in my insurance. I have not made any claims in the last 5+ years with either of these insurance companies. ( We only switched because XXXX doubled my policy amount ) XXXX told me I could dispute both of these but can not get a live person at Lexus nexus. Can you please help. our policies are always paid on time, and up to date and consecutive. We have no claims. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I sent a dispute letter into Equifax advising them there were alleged accounts that were showing on my credit report showing false and misleading information. All the banking institutions showing on the report are FDIC insured banks. Federal Reserve Policies and Procedures and the Generally Accepted Accounting Principles ( GAAP ) requirements imposed upon all federally-insured ( FDIC ) banks in Title 12 of the United States Code, section 1831n ( a ), prohibit them from lending their own money from their own assets, or from other depositors. So when they are claiming there is a debt that is owed to them, this is false and misleading. Equifax supposedly did a verification, but has not been able to prove the actual alleged accounts. I believe the information above proves there is no way that any of these alleged banks lent anything of value that they would 1. Have a claim too and 2. Be the creditor, because they legally can not lend their own assets or other depositors money. There are also court cases as such : The United States Supreme Court and the lower courts have long recognized that the banks can not loan credit.In the federal courts, it is well established that a national bank has no power to lend its credit to another by becoming surety, endorser, or guarantor for him. XXXX XXXX XXXX Bank v. XXXX XXXX XXXX Bank, XXXX F XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: MD

Complaint narrative:
I filed a dispute with experian about an account that is not reporting accurate, I sent documents to them showing that its reporting incorrect they continue to report this information wrong

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 2020-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Opened my Credit Card with Bank of America in XX/XX/2019. I had the hardest time of my life even opening my account, took 2 months to get the card. Once I received the card I had even more issues. Had to go to branch with Drivers Lic and Social Security card to verify my ID and was able to use my account again. Then less than a month later found out my card was closed for no reason. After speaking to someone I was told there was nothing that I did wrong and that I was going to get a letter in the mail with a address to send tax returns for whatever reason I wasn't told, I've waited and still no luck never received no letter. My account was closed for no reason I had close to XXXX in rewards which I could not access, I'm a good customer I had a balance at the time my account was closed of XXXX and I paid the balance in full and on time. This is not how you do a good customer for no reason, it seems as the person who closed my account was a angry bitter, not having anything to do person because. My account was vaild, I have Great credit and there was no reason to close my account. I did all the extra verify stuff they had asked of me. I would like my account reopened as I was promised because there was no way to justify why it was close and for no cause this is not how you do go customer I want this sent up to CEO office if possible because this is not right and not how you do customers.

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 2020-07-08 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: SC

Complaint narrative:
XXXX XXXX I completed a letter to all credit bureaus on inaccurate reporting for several accounts on my credit. They are reporting 3 different dates/years on charge off accounts. I requested for the credit bureaus to delete the account. The initial response was verified. I have also provided screen shoot within my letter from XXXX XXXX. I am submitting a second notice for the removal of the inaccurate charge off 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 2020-07-08 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: SC

Complaint narrative:
XXXX XXXX I completed a letter to all credit bureaus on inaccurate reporting for several accounts on my credit. They are reporting 3 different dates/years on charge off accounts. I requested for the credit bureaus to delete the account. The initial response was verified. I have also provided screen shoot within my letter from XXXX XXXX. I am submitting a second notice for the removal of the inaccurate charge off 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