vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
On XX/XX/19 I disputed this account with XXXX. They said the account was validated by Receivable Management Services. I sent a request for validation on XX/XX/19 and I never received any documents from them. Secondly, there is another collection company collecting on the same debt. How is that possible? In fact, it is illegal for two collection agencies to collect on the same debt.

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 2019-04-26 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: MO

Complaint narrative:
After being a victim of identity theft I'm disputing the unknown, unauthorized accounts that's reporting on my file, and the data is currently being updated as if the fraudulent illusion was accurate. However, I'm demanding that these accounts be blocked immediately and the data reporting be stopped and removed, unless the credit reporting agencies can produce a legal certified tangible document that binds me is such signed contract, until then I'm loudly demanding that the following accounts be removed, ( # 1 ) XXXX XXXX XXXX {$1500.00}, ( # 2 ) XXXX XXXX XXXX {$130.00}, ( # 3 ) XXXX XXXX {$13000.00}, ( # 4 ) XXXX XXXX XXXX, ( # 5 ) XXXX XXXX XXXX {$350.00}

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 2019-04-26 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: MO

Complaint narrative:
After being a victim of identity theft I'm disputing the unknown, unauthorized accounts that's reporting on my file, and the data is currently being updated as if the fraudulent illusion was accurate. However, I'm demanding that these accounts be blocked immediately and the data reporting be stopped and removed, unless the credit reporting agencies can produce a legal certified tangible document that binds me is such signed contract, until then I'm loudly demanding that the following accounts be removed, ( # 1 ) XXXX XXXX XXXX {$1500.00}, ( # 2 ) XXXX XXXX XXXX  {$130.00}, ( # 3 ) XXXX XXXX {$13000.00}, ( # 4 ) XXXX XXXX XXXX, ( # 5 ) XXXX XXXX XXXX  {$350.00}

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 non-monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report is fraudulent

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 2019-04-26 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:
Unauthorized Credit Inquiry by several companies on my Credit Reports : XXXX XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX ( XX/XX/2018 ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX ( XX/XX/2018 ) XXXX XXXX ( XX/XX/2018 ) I did not authorize anyone employed by those companies to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

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 2019-04-26 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: FL

Complaint narrative:
Unauthorized Credit Inquiry by several companies on my Credit Reports : XXXX XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX ( XX/XX/2018 ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX ( XX/XX/2018 ) XXXX Bank ( XX/XX/2018 ) I did not authorize anyone employed by those companies to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

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 2019-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I was contacted by Portfolio Recovery Associates, LLC. this company on XX/XX/2019 called to collect two debts that were supposedly owed by me.The first account was for {$290.00} and the second account was {$700.00} I asked the customer service representative what address did they have on file for the debts. The address he provided was inaccurate and i had never live there before. He explained that i could dispute the accounts due to no knowledge or evidence at the present time to state the proof. He then proceeded to state that he has to read out a disclaimer stating the process of the dispusting of the account ; the creditor can not sue the consumer for the so called debt. 
After a little over a month, On XX/XX/2019, I received in the mail a letter from the debt collector showing how only one of the accounts was valid and accurate. In the envelope there was copies of bills that were sent to the inaccurate address that was on file. That is not accurate proof to show that I owe a debt. Portfolio Recovery Associates is to provide a copy of signed with signature, contract or agreement. Failure to show accuracy of the event has resoluted me to file a complaint against the company. Also. there was no valid validation stating that the other account was mine, either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report is fraudulent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I recently paid off the entire balance of my Chase Sapphire credit card to the amount of $ XXXX in one large payment- XX/XX/2019. Have never missed a payment-never been late. The VERY next day, after the payment was received and posted,, apparently this triggered an account review, of some kind ... Chase then REDUCED my {$8500.00} credit limit by XXXX XXXX dollars to just XXXX XXXX dollars. When I called, clearly upset, I got the runaround from supervisor after supervisor, until I was told I would have to agree to a HARD INQUIRY review just to see if the reduction could be reversed. After over 45 minutes of very intrusive, sometimes inappropriate financial, employment, family and credit report questions and, worse, suppositions/- including why my credit card was maxed in the first place ( umm- unexpected disability and related medical expenses?!? - isnt that line of inquiry illegal anyway?! ) ... I was merely told Nope, sorry, too bad-theres nothing we can do ... .although, as a side note, this supervisor did fully admit that the initial account review done by computer the day before was inaccurate in some of its credit report findings after his further manual review- his name was XXXX, btw.  In the end, it didnt matter, and I got the proverbial rug pulled out from me after paying a VERYsignificant amount of money in the honorable cause of paying this credit debt off and do the right thing. Absolutely AWFUL the way I was treated, and more importantly- the whole excruciating process. Not to mention the loss of {$8000.00} of my credit card limit, along with more importantly, on my credit report utilization rate and credit score ... JUST AFTER paying the whole card off in the first place! One last note- amazing to me when the card had a high revolving balance, they had NO PROBLEM with the XXXX limit then and the 25 % APR in interest they were charging me for it every month!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We closed the escrow on the refinancing of our XXXX XXXX CA home in XX/XX/XXXX and our direct lender was XXXX XXXX. After we made first monthly mortgage payment of {$1800.00} in XX/XX/XXXX to XXXX XXXX, our home loan was quickly sold by XXXX XXXX to XXXX XXXX  XXXX which was servicing by Shellpoint mortgage servicing company. XXXX XXXX sent our first payment to Shellpoint in XX/XX/XXXX. We made the subsequent mortgage payments of {$1800.00} each to Shellpoint on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, Shellpoint either claimed we never paid them on XX/XX/XXXX or they never received the first payment transferred from XXXX XXXX. After we got XXXX XXXX service dept rep on the phone line directly with Shellpoint, Shellpoint reps continued either claimed they had not received the payment from XXXX XXXX for which they were proved to already cash the check from XXXX XXXX or they could not verify they indeed received my three direct payments. After more than 15 phone calls with XXXX XXXX department along with multiple dropped calls, a ticket was open with Shellpoint supervisor note ( initial-XXXX  ) which in the end still did not resolve the issue. In the Shellpoint system it continued showing there was one principal balance missing. We absolutely have no confidence for any future payment or interactions with Shellpoint.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I canceled my debit card with Suntrust because the card was lost or stolen. I was issued a new debit card with a new card number. I did not give out my new card number to XXXX. I decided that I no longer wanted to do business with XXXX. XXXX kept trying to charge without my consent but I ignored it because I had a new card number. To my dismay XXXX charged my new debit card. I did not give out the new card number. I called Suntrust and they said that Mastercard gives the merchants your new account numbers if the merchants are part of a program. I could not believe what I was hearing. I talked to a supervisor and they said they same thing. So my problem is Mastercard should not have to the right to hand out my debit card number to people without my consent or knowledge. That makes me feel that my money is not safe at all. Anyone can have access to your old card number and try to purchase something. Mastercard will allow Suntrust to let those charges go through that is what I was told.

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 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TransUnion has placed two items on my report, despite previously removing them. I have submitted police reports from various agencies and an FTC identity theft report in the past. I am listing the information below that needs to be removed. It consists of 2 accounts and 7 inquiries. 

I am attaching another identity theft report. Any additional information should already be on file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on the credit report is fraudulent

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 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on the credit report is fraudulent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The personal information on the credit report is fraudulent

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 2019-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recoveries never sent an initial notice giving me the opportunity to dispute this debut they are attempting to collect in which they allege belongs to me in the amount of {$2400.00} to XXXX XXXX. They continuously send letters demanding payment, and even stating they will send to legal department. Upon checking my credit report I found this inaccurate information and submitted a dispute. They mailed a forged letter allegedly from XXXX XXXX, in which the address listed on said letter is not my address. This company has managed to find my true and correct address with no problem when they send payment demands, and letters from their attorney, however the said validation letter states an address that isnt mine, but this is all information sent over from alleged original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On XX/XX/2019 I spoke with a representative before I filed to re-certify my income driven repayment plan with fedloans.gov. I explained to her my situation ... that although I was making more money than the previous year, my financial obligations had also changed. My living situation had drastically changed. I am a single parent with a 4 year old who is starting school in XX/XX/2019, which I have to pay $ XXXX monthly for ( not by choice ) and I also now live on my own paying a $ XXXX monthly mortgage. I was living with my parents before and was not paying rent. I moved out of their house ... now XXXX years old. I could not afford an increase in monthly student loan payments. I was paying about $ XXXX monthly, in student loans at the time. I was seeking some form of financial assistance from the Fedloan.gov student loan representative. She told me there was nothing she could do because I did not have any forebearances left and I made too much money to qualify for a hardship deferment. I in fact had a serious hardship, and was considering defaulting on my loan because of it! This interaction with this representative made me realize why people just give up paying their student loans, and let them go into default. Its bad enough that a loan that started with Navient/SallieMae at {$80000.00} turned into {$190000.00} from just the unfair interest that accrued over a few years ... but when your trying to just keep your payments the same and reasonable so that you can support your family, and you are not given any options ... it makes student loan companies look that much more shameful and abusive. As of XX/XX/2019, Im paying {$620.00} a month towards this horrendous student loan that keeps increasing, although I graduated from college over a decade ago and it has ruined my credit and forced me to consider it not being worth trying to pay anymore, so that I can provide for my daughter and I, without the grotesque hardship it is creating for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I did not request any kind of fraud alerts on either of the credit reporting agencies and I'm demanding that any and all fraud alerts be removed immediately from my credit data, name, and report.

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 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I did not request any kind of fraud alerts on either of the credit reporting agencies and I'm demanding that any and all fraud alerts be removed immediately from my credit data, name, and report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I did not request any kind of fraud alerts on either of the credit reporting agencies and I'm demanding that any and all fraud alerts be removed immediately from my credit data, name, and report.

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 2019-04-26 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: AK

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX   XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The major three credit reporting agencies is not abiding by the rules and laws within the FCRA. These three major credit bureaus are constantly reporting unverified and unauthorized accounts inwhich is unconstitutional. I have requested the Method Of Verification used in previous investigations but did not receive any response from either of the 3 credit reporting agencies. My identity has been compromised and accounts has been opened and closed in my name. I have no contracts with any of these corporations inwhich the 3 major reporting agencies are reporting. I'm now demanding that this accounts be blocked from my credit data immediately. And if these accounts are not blocked / removed accordingly then I will file suit as of my rights as a consumer. Please block these fraudulently opened and unauthorized accounts, account # 1 ( XXXX XXXX XXXX ) account # 2 ( XXXX XXXX Bank {$400.00} ) account # 3 ( XXXX XXXX {$4100.00} ) account # 4 ( XXXX XXXX XXXX {$0.00} ) account # 5 ( XXXX Sec XXXX XXXX {$31000.00} ) account 6 ( XXXX XXXX XXXX {$500.00} ) account 7 ( XXXX XXXX   {$870.00} ) account 8 ( XXXX XXXX XXXX {$1200.00} ), account 9 ( XXXX XXXX {$7300.00} ), account 10 XXXX XXXX XXXX {$8300.00} ), account 11 ( XXXX XXXX {$8000.00} )

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