vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-26 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: SC

Complaint narrative:
I have been trying to get the 3 major credit bureaus to investigate these accounts that don't belong to me, I have not yet received verification from anybody at XXXX, XXXX or Experian since last year. the following accounts below are not my accounts 1. XXXX XXXX acct # XXXX 2.XXXX XXXX accts # XXXX XXXX 3. XXXX XXXX Bank acct # XXXX I requested that the only name that needs to be reported on my XXXX, Experian, and XXXX  credit file should only be AS FOLLOWS, and they never removed fraudulent names from my report as requested, my name as followed should be only name. 
1. XXXX XXXX XXXX I requested that these address be removed because they're fraudulent addresses as follows and never received validation from XXXX, XXXX and Experian 1. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX SC XXXX 3.XXXX XXXX XXXX. XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, NC 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 non-monetary relief
Consumer complaint received 2019-08-26 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: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
I have been trying to get verification from Credit acceptance corporation and all 3 credit bureaus about this fraudulent account that is reported on my credit reports and have yet to receive any response 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 2019-08-26 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:
Multiple accounts that are not correct are reporting on my credit report XXXX XXXX XXXX XXXX XXXX  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 2019-08-26 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN

Complaint narrative:
This information appears on both my XXXX and XXXX credit reports. I do not have any responsibility for this account. I have requested and received no proof of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Today I received two calls from XXXX ( XXXX ext XXXX ) stating I owed {$450.00} on my comenity rewards mastercard. That the reason I had not received any bills is because they are now coming inside catalogs and are probably being thrown away. He said I have received one late fee of {$30.00} but could not pull up my charges. Also stated that when he tried the website froze. 

I hung up with him ( asking if I could call back - I did not ) and called XXXX/Comenity myself. I found out they had no record of my XXXX bill being delivered, so this fraud stole my XXXX bill somehow. My actual charge was much less. I paid it off and closed my card. This person and whomever they work with should be arrested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 Days Late Mark Dated XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA
State: NY

Complaint narrative:
The payment was sent XX/XX/XXXX via registered mail number RE XXXX XXXX XXXX US AND THE DEBT VALIDATION LETTER ON XX/XX/XXXX VIA CERTIFIED MAIL NUMBER XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I had a student loan with Navient as the loan servicer. I submitted a deferment as my daughter is still in school and wouldn't have to start repayment till after graduation. Navient didn't notify me that I had any due payments till I saw my credit score and saw that the loan defaulted and was sent to collections. There was about 6-9 months where payments weren't being made as I had no notification of there being any due balance. I spoke with Navient and they had nothing to say about them not sending any emails, letters, or phone calls about being " late '' on payments. They told me it was out of their hands now and I have to deal with the collections company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: OH

Complaint narrative:
I just pulled my credit report and I found a lot of accounts that I don't recognize ever doing business with the following companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX I have filed a complaint with the CFPB and FTC and now with the XXXX Police XXXX.Someone has been using my name for accounts and credit cards.

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 2019-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I made a complaint earlier regarding this matter, the reason I withdrew my authorization was because I received a letter from my previous mortgage company that they accidentally increased my monthly payments by {$180.00} and I also made that payment. so because I made that payment I withdrew my authorization, I did not do anything wrong in that, kindly coordinate with XXXX regarding this. The loan No. is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: CASHCALL, INC.
State: CA

Complaint narrative:
CASHCALL INC.IS APPEARING WRONGFULLY ON MY XXXX  AND XXXX CREDIT BUREAU REPORTS. 
IT IS ACCOUNT NUMBER XXXXCASHCALL IS A NOW DEFUNCT PREDATORY LENDER.I WAS PREYED UPON BY THIS LENDER UNKNOWINGLY TAKING OUT A APPROXIMATE 100 PER CENT APR LOAN.AT THE TIME I HAD SUFFERED XXXX STROKES IN EARLY MIDDLE AGE EVEN THOUGH EARLIER I HAD BEEN A PROFESSIONAL TENNIS PLAYER.CASHCALL VIOLATED A COURT INJUNCTION THAT WAS PERMANENT ( ATTACHED ) FORBIDDING THE ISSUING OF A LOAN WHERE THE INTEREST RATE WAS NOT CLEARLY EXPLAINED AND FOLLOWED UP WITH A EXPOLANATORY PHONE CALL WITHIN 72 HOURS OF LOAN ISSUE.THIS WAS NOT DONE IN MY CASE.

IN ADDITION THE CA SUPREME COURT ADDRESSED MY TYPE OF LOAN AS UNCONSCIONABLE AND THE FACT THAT THE LOAN WOULD BE INVALIDATED WITH OTHER PREDATORY ILLEGAL BEHAVIOR. 
CASHCALL ENJOYS DESTROYING OTHER PEOPLES LIVES AS THEY ARE DOING AND HAVE DONE TO ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: IL

Complaint narrative:
I disputed two fraudulent accounts reporting on my credit report : XXXX XXXX ( {$8000.00} balance ) and XXXX XXXX ( XXXX balance ). After my XX/XX/2019 dispute, the XXXX XXXX account was blocked from my credit report. Soon afterward, XXXX XXXX changed the account number and reinserted the fraudulent account back onto my credit report. This reinserted account had all the same account details as the previously deleted fraudulent account, just a different account number. In XXXX, 2019 I disputed the reinserted account and once again Experian deleted the fraudulent account. However once again, not too soon afterwards XXXX XXXX changed the account number and reinserted the same account back to my credit report for the third time. Each of these times I was never notified by Experian that they would be reinserting a previously deleted account to my report pursuant to section 623 of FCRA. 

Moreover, I disputed a fraudulent XXXX XXXX card. XX/XX/XXXX, 2019the results came back that the card was " verified '' but all the inquiries were deleted. How is it that the XXXX XXXX card is " verified '' but the inquiries are fraudulent and deleted? That makes absolutely no sense at all and seems to be Experian being willfully noncompliant and negligent. 

I reached out to Experian 's corporate office via email and received a phone call from XXXX XXXX on XX/XX/2019 at ( XXXX ) XXXX. He left me a voicemail stating I need to submit a FTC affidavit and this information will be blocked. Attached is everything pursuant to 605B for a permanent block, please do so. If this matter is not settled I will be reaching out to the attorney generals in both our states and a civil attorney to begin legal action.

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 2019-08-26 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. As you can see date it was Last Reported was still XX/XX/XXXX in XXXX, XX/XX/XXXX in XXXX, and XX/XX/XXXX in XXXX. Date Last Active is being reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX repectively which make the report inaccurate and a violation. Otherwise I demand immediate deletion of this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: OH

Complaint narrative:
I just pulled my credit report and I found a lot of accounts that I don't recognize ever doing business with the following companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX I have filed a complaint with the CFPB and FTC and now with the XXXX Police Dept.Someone has been using my name for accounts and credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 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: OH

Complaint narrative:
I just pulled my credit report and I found a lot of accounts that I don't recognize ever doing business with the following companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX I have filed a complaint with the CFPB and FTC and now with the XXXX Police Dept.Someone has been using my name for accounts and credit cards.

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 2019-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received this letter from US Bank around 15 days ago, that they did not credit me the interest and fee adjustment on my fraud claim and with 7-10 days I will receive a check. its been 15 days, I haven't received any check. I should be getting it as soon as possible as mentioned in the letter.

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 2019-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
On XXXX I received a certified letter from XXXX XXXX XXXX XXXX saying that my loan had been purchased back in XXXX of this year unknowing to me by Fay Servicing LLC. My mortgage was set up on Auto pay from my bank so I was thinking my loan was being paid. I had no idea that this company bought my loan because I have not received and letters or notices from them to start paying them. So now they are threatening to foreclose if I dont pay {$4800.00}. There is only {$3200.00} owed which I have no Problem paying. The rest is extra interest and late fees they are adding that I dont feel that I should pay because I was never notified until I received this certified letter on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has been rejecting my privileges to open an account based on old, false and removed information from my credit files used by Banks, No majors Credit Companies, only XXXX. Bank has been using this  decision for over a year. My information was deleted more than a year ago. I strongly think Bank saves applicants information and decision for future reference without expiration or even an update. I've been denied 5 times in the past year and half by this Bank and I think their business strategies don't comply with Federal Regulations. It's not just for Checking accounts, I've been waiting over 12 days when I apply for credit card for a decision and even when credit score is high and everything looks fine I've been denied.

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 2019-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Purchased a macerator from Amazon on XX/XX/2019 for {$830.00} and discovered it was defective so it was returned on XX/XX/19 with an approved refund which was never sent. 

Disputed with Synchrony / Sams credit card but they refused to issue a refund stating the merchant indicated " the services were rendered '' - it was not product and not service and it was returned. 

Attachments will show purchase, approved refund, return label, dispute with Sams and their response which demonstrates they did NOT bother reading the dispute OR using a brain to see the product was returned.

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 2019-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I just pulled my credit report and I found a lot of accounts that I don't recognize ever doing business with the following companies : MIDLAND FUNDING LLC # XXXX MIDLAND FUNDING LLC XXXX XXXX MIDLAND FUNDING LLC XXXX XXXX, I have filed a complaint with the CFPB and FTC and now with the XXXX Police Dept.Someone has been using my name for accounts and credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 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: TX

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit See Attached : Enclosures : I have enclosed a copy of the FTC Identity Theft Affidavit and section 605B of the Fair Credit Reporting Act ( FCRA ), which details very clearly what exactly Credit Bureaus responsibility -- that being THAT Credit Bureaus ARE to block fraudulent misinformation AND/OR UNPROVEN INFORMATION on my credit report resulting from inaccurate, unauthorized, and/or unverifiable information including any such identified items of misinformation that is disputed inwriting, upto and including but not solely limited to fraud and/or identity theft.

Recap : FTC Identity Theft Affidavit, Cover Letter, FCRA 605B BLOCKING LAW, Fair and Accurate Credit Transactions ( FACT ) Act of 2003, Affidavit of Facts in Discovery, Exhibit A-B

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 2019-08-26 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: Conn's, Inc.
State: LA

Complaint narrative:
I've disputed 2 closed Conns collection efforts which were passed on to XXXX XXXX while asking for validation/verification of the debt 3 times. These were removed from my credit reports from the 3 major companies after being unable to validate / verify the tradeline, and then illegally reinserted as new ( according to XXXXXXXX ).

The two tradelines are from XX/XX/XXXX and XX/XX/XXXX. Both accounts show closed. Both were removed and then reinserted illegally without informing me as to why. The 30 days have passed twice. 

According to the laws I can find - Conns has 30 days to validate / verify the debt in writing upon my reasonable request ( I've requested at least 3 times now ) with zero reply. 

The required time has passed. Please remove these from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear to whom may concerned, Here are some details : when we opened this joint account with citi-bank, the person who helped us didn't mentioned about a monthly charge fee. For the past 12 months, they have been charging this account for XXXX dollars, accumulated for XXXX dollars. I called them through phone, they are only able to refund me XXXX dollars. They told me to go to a branch to take it further. then i went to the bank. the first bank i went to they told me that their manager will contact me through phone. so i went back home and i got nothing from them since then. then the next week, i went to another citi bank 30 minutes away from where i lived. they also told me to wait for call. for the following days, i went to them several times. they either told me that the manager is not available or to wait for their call. I was able to get a direct number of the manger. i called this number for more than 5 times. the assistant picked up the phone and told me that the manger is not available and will reach me back. for the last 3 weeks. I've been reached out to them, and i got no reply. nothing at all. this is the worst experience i have with a bank. I am asking for your advise on how i can do to get this fee reimbursed and i want to know what i can do to their behavior of treating their customer. 
Thank you!

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 monetary relief