vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-18 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 am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18 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:
. I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
My XXXX  XXXX  line of credit in good standing for {$5000.00} has dropped off this credit report causing my credit score to significantly drop. There was no rain for this to be dropped

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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:
Trans union is blocking my ability to secure lending by reporting my information under a deceased individuals SSN I have sent them a copy of my SSN via mail, and followed up to verify if the issue is resolved. I was told my XXXX XXXX on XX/XX/XXXX the death notice was removed. On XX/XX/XXXX I was closing on a car and my loan was not approved because of the deceased individuals SSN being tied to my account. Trans union has done nothing but block my ability to secure lending.

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 2020-01-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX the XXXX I set up an account with citi bank I funded the account with XXXX dollars. I left the account alone because I have another account. Fast forward to XX/XX/2020 my son has an ER visit I go to take money out of my savings account and can not they say that my account is flagged I do not have a signature card. I have three accounts never was asked to send this in. I then say ok can u sent me the information to which they do not. Then I call the next day and they send me the information but cancel my debit card. So they expedite me a new card. Then I try and log in on my online banking and I can no longer see my savings account.Call again they resolve it call back the XXXX ask them if they received my signature card they say yes, Still cant transfer money call back told my account has been canceled and they are expediting me a check. Call back again was told my check for XXXX was being sent through regular mail!!!!! They will not give me a tracking number or anything. They also keep giving me the run around and at this point I just want my money 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 2020-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Around XX/XX/2019 I was contacted by letter by XXXX XXXX XXXX, XXXX which alleged I owed a debt to Synchrony Bank. This company also alleged the debt was previously held with PayPal with  previous creditor XXXX. Before I was contacted by this Collection Company, I received several phone calls in regard this matter. I asked them to cease all kind of communication but I received more robocalls afterwards for which they had violated the law Under the federal Fair Debt Collection Practices Act ( FDCPA ). 

This Debt was previously handled by Synchrony Bank who bought PayPal Credit ( also known as XXXX ) and sent me several attempts to collect this funds in communication letters. Ive never opened an account with Synchrony Bank for PayPal and I will never use their services for their high interest rate and bad reputation. This is not an statement to talk about the Bank but the Collection Company who allegedly bought this debt. Attached are proof of the initial dispute I sent to this Collection Company as soon as I received their first letter. The letter ( see adjustment ) asked to the Company XXXX XXXX XXXX XXXX XXXX to validate the debt and to send me proof I owe them. The confirmation for receiving documents in envelope was signed by them ( see adjustment ). 

After not receiving any communication for 2 months ( approximately ) this collection company reported to all 3 credit bureaus and my credit score significantly  decreased. Once again, violating the law Under the federal Fair Debt Collection Practices Act ( FDCPA ) and Consumer Financial Protection Bureau ( CFPB ) since I asked them to Validate or Cease Collection. This is the last attempt before Im taking legal actions against XXXX XXXX XXXX, XXXX for Violating the FDCPA and CFPB law, attempting against my moral character, and making illegal robocalls. Im also working with XXXX XXXX XXXX for this same matter.

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 2020-01-18 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding bought my XXXX  XXXX debt years ago and was paid off years ago. They have failed to provide me with a payoff letter after multiple request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/2019, a " debt '' was put on my credit report with Transunion for {$720.00}. It was done by XXXX XXXX, a former place that I had moved from. The reported through XXXX XXXX XXXX, that I owe this money because of " damages '' to apartment when moved out. I moved out on XX/XX/2019 with a 60 day notice given to them, scheduled a final walk through with them also. At the final walk through, the only thing found was XXXX broken window blinds and a chipped faucet to the bathtub. My XXXX XXXX XXXX daughter was with me at the time as a witness, because I know how these landlords will fraudulently put down things " wrong '' with apartment so that when tenant moves out, the services they hire to " redo '' repairs, can be paid on the tenants dollar. They even said that they had to wax the floor. That floor wasn't even waxed when I moved in. As a matter of fact, the apartment was dirty, down to the electric plugs having dirt grime build up on all of them. I had to ask them to send maintenance back in to go over apartment again and clean it ( which they did a sloppy job still ) I didn't complain about it when I moved in, because at that time, I was living in my car, and didn't want to rock the boat with anything to cause me to not get the apartment. As I was living there, there was also a tenant who was harassing me, to the point she tried to run me over with her car. I kept telling the XXXX, but they would do nothing. They basically didn't like that I was persistent and " complaining '' to them, so this maybe this was their way of getting back at me. I explained to Transunion that these are fraudulent charges. The XXXX at the time of walk through, even wrote things down, only on a back piece of paper, I asked her to let me see, she wouldn't so that way I couldn't sign agreement of listing. I asked her if I could have a copy and she said their office is being remodeled therefore, she couldn't give me a copy. How are they able to get away with this, but when I come up to dispute this, I have to accept whatever they submitted. Nothing agreed and signed by me. Along with their intimidation and retaliation, which is illegal, so is this. Transunion did not take this off my credit. I am trying to get a place now, and this being on my credit, will also hinder me to do so. I can't be added to the homeless epidemic that governor XXXX is fighting for. Owners and landlords need to be hit with stiff penalties when they try to do this to tenants that move out. It happens to much, to too many people. Something needs to be done, and you can start here with this complaint. Please initiate Transunion responsible for not taking this off my credit. Thank you very 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 2020-01-18 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have a Hard Inquire on my credit report from this credit card company that I did make. I believe it was done fraudulent and I would appreciate it very much for them to remove it.

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 2020-01-18 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
2 charges on card i did not make. closed the card. Was issued a new card they put the charges back on there and stated we dont remove until we contact merchant and they state they will refund. CITI ADAVANTAGE

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 2020-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc.
State: PA

Complaint narrative:
First Financial Asset Management call me on XX/XX/XXXX regarding a bill by XXXX XXXX XXXX 3 years ago in which was paid. I call XXXX XXXX XXXX  in which they inform me that a copy of the bill shows paid by them to XXXX XXXX XXXX. There also mailing me a copy as proof from XX/XX/XXXX showing that the transaction was paid to XXXX XXXX XXXX XXXX. This bill was paid 3 years ago on XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They  have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-01-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
XX/XX/2019, a " debt '' was put on my credit report with XXXX   for {$720.00}. It was done by XXXX XXXX, a former place that I had moved from. The reported through IQ Data International, that I owe this money because of " damages '' to apartment when moved out. I moved out on XX/XX/2019 with a 60 day notice given to them, scheduled a final walk through with them also. At the final walk through, the only thing found was 2 broken window blinds and a chipped faucet to the bathtub. My XXXX year old daughter was with me at the time as a witness, because I know how these landlords will fraudulently put down things " wrong '' with apartment so that when tenant moves out, the services they hire to " redo '' repairs, can be paid on the tenants dollar. They even said that they had to wax the floor. That floor wasn't even waxed when I moved in. As a matter of fact, the apartment was dirty, down to the electric plugs having dirt grime build up on all of them. I had to ask them to send maintenance back in to go over apartment again and clean it ( which they did a sloppy job still ) I didn't complain about it when I moved in, because at that time, I was living in my car, and didn't want to rock the boat with anything to cause me to not get the apartment. As I was living there, there was also a tenant who was harassing me, to the point she tried to run me over with her car. I kept telling the manager, but they would do nothing. They basically didn't like that I was persistent and " complaining '' to them, so this maybe this was their way of getting back at me. I explained to XXXX  that these are fraudulent charges. The manager at the time of walk through, even wrote things down, only on a back piece of paper, I asked her to let me see, she wouldn't so that way I couldn't sign agreement of listing. I asked her if I could have a copy and she said their office is being remodeled therefore, she couldn't give me a copy. How are they able to get away with this, but when I come up to dispute this, I have to accept whatever they submitted. Nothing agreed and signed by me. Along with their intimidation and retaliation, which is illegal, so is this. XXXX  did not take this off my credit. I am trying to get a place now, and this being on my credit, will also hinder me to do so. I can't be added to the homeless epidemic that governor XXXX  is fighting for. Owners and landlords need to be hit with stiff penalties when they try to do this to tenants that move out. It happens to much, to too many people. Something needs to be done, and you can start here with this complaint. Please initiate XXXX  responsible for not taking this off my credit. Thank you very much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: PA

Complaint narrative:
I have a Hard Inquire on my credit report from this credit card company that I did make. I believe it was done fraudulent and I would appreciate it very much for them to remove it.

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 2020-01-18 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:
Accounts listed aren'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 2020-01-18 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: TX

Complaint narrative:
Accounts listed aren't mine. Please remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-01-18 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:
I went to XXXX for a free consultation on my XXXX  to possibly purchased some XXXX   from this particular XXXX  located in New York who has also an office at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. During the consultation with a salesperson who took photos and information on my behalf I was told that I could get a loan for {$1800.00} from XXXX a company who gives loans to purchase their products. I was reassured that I was not under any obligation until I would get my XXXX XXXX evaluation. A few weeks later I got their results and I was told that XXXX would not make a difference on my XXXX. Obviously I decided NOT to purchase the product and in fact I never ordered it nor did I ever received it. 
Nevertheless XXXX and XXXX fraudulently made a loan ( see the many bad reviews on XXXX  ) which I did not authorized. I called them multiple times and tried to send emails but it could not reach them. I did not want their loan. I never authorized it. I did not want their product after the consultation nor did I received the product, regardless I have a loan with XXXX  showing on my credit report as a thirty day late from that loan

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 2020-01-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: KY

Complaint narrative:
I have made bi-weekly payments since prior to the Penny Mac company taking over the servicing of my loan. I have also always made my payments a month in advance and for more than the monthly payment so that I can have additional money go towards my principal. Since Penny Mac took over the servicing of my loan I have had one issue after another. My taxes were computed and calculated at over twice the amount that was due. My payment automatic withdrawal was then adjusted without my knowledge or consent to be raised even higher than what I was already paying ( with the additional amount for principal ) When I called I was told that was standard and that they would have sent me a notification for the increased amount later. That because I was in effect paying the month prior- that it was simply a mix-up. ( In fact, it appears to be a bad process that is poorly thought out and implemented ) Then I got that stopped. I was assured they would manually process both payments in XXXX so that they were made in time for my XX/XX/XXXX payment due date. Which they did indeed process them. Now, though I am told they were misapplied. I have also checked my account to see that they did not process the partial payment for XX/XX/XXXX as it should have been either. All of this has resulted in my being considered behind. Now I am again behind for this month because they did not process my payment in XXXX. This company is unprofessional and clearly has poor processes in place to ensure that accounts get credited timely and appropriately. When speaking with members of their customer service team they frequently are uninformed or make changes to my account that has unintended consequences. I am beginning to wonder if they are intentionally misapplying payments so that they can accrue additional fees in light of the fact that I clearly intend to pay this mortgage off early thereby reducing their profit off my loan. Calls to customer service continue to be stonewalled with low-level agents who are unable to make and or understand the changes that clearly need to be made. Now - here I am - dealing with trying to catch up when I have been paying all along. Seems grossly unfair, shockingly incompetent, and perhaps illegal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-18 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: TX

Complaint narrative:
The accounts listed in the FTC aren't mine.

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