vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-24 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: FL

Complaint narrative:
A freeze and alert were placed on XX/XX/2019 by one of your reps because I made a dispute. I made several attempts to remove the alert and freeze but was unsuccessful. I would like you to contact the other bureaus on my behalf and notify them of my requests. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Per my most recent credit reports ( XX/XX/19 ) LVNV is listed as owner of an alleged account from XXXX XXXX XXXX. Per the reports this account was opened/purchased as of XX/XX/19 with an amount of {$650.00}. I have attempted to dispute this account via the credit bureaus, but to no avail. To date, LVNV has not sent any written correspondence identifying themselves as the owners of the alleged account, provided written notification that they are attempting to collect a debt, nor send any correspondence advising that I could dispute the validity of the account ; it simply showed up on my credit report one day. 

A third party ( XXXX XXXX  ) is now sending me email correspondence on behalf of LVNV stating they are the owner 's of the alleged account. I am unsure how they received my email address, but I have received emails from them on the following days : XX/XX/XXXX, XX/XX/XXXX ( two emails-the second appeared to have been triggered by my clicking dispute ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today, XX/XX/XXXX. These emails appear to be automatic and are coming from a gentleman by the name of " XXXX XXXX. '' I take issue with an email being sent " blindly '' to an email address with my personal information available for ANYONE to see, as well as a link that provides more info about said debit. I have not completed the dispute process through True Accord as I am leery since I have never received notification from LVNV and I do not want to give any of my personal information to any unknown parties ; and True Accord is now offering a settlement on the alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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: FL

Complaint narrative:
A freeze and alert were placed on XX/XX/2019 by one of your reps because I made a dispute. I made several attempts to remove the alert and freeze but was unsuccessful. I would like you to contact the other bureaus on my behalf and notify them of my requests. 

Thanks

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 2019-11-24 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: FL

Complaint narrative:
A freeze and alert were placed on XX/XX/2019 by one of your reps because I made a dispute. I made several attempts to remove the alert and freeze but was unsuccessful. I would like you to contact the other bureaus on my behalf and notify them of my requests. 

Thanks

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 2019-11-25 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: CA

Complaint narrative:
I am a victim of Identity Theft and the cyber breach, I am a military veteran and I was not in the country when the accounts were established. I filed disputes, the accounts were investigated, determined not to be mine and were deleted. The accounts were then sold to another company and is now reporting on my credit again. I filed a police report, notified all of the legal entities and the Credit Bureaus but XXXX  has made my life a living nightmare. The law requires the bureau to report accurate information. Their failure to do so is jeopardizing my employment. I provided the Bureaus with my ID, Credit, Police Reports, SS Card and other identifying information. I informed the Bureau of the Theft of Identify by mail and phone, I Disputed the Inquiries and requested they removed erroneous information immediately. Its been months and I am at the end of my rope because my livelihood is at risk.

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 2019-11-25 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: CA

Complaint narrative:
I am a victim of Identity Theft and the cyber breach, I am a military veteran and I was not in the country when the accounts were established. I filed disputes, the accounts were investigated, determined not to be mine and were deleted. The accounts were then sold to another company and is now reporting on my credit again. I filed a police report, notified all of the legal entities and the Credit Bureaus but XXXX  has made my life a living nightmare. The law requires the bureau to report accurate information. Their failure to do so is jeopardizing my employment. I provided the Bureaus with my ID, Credit, Police Reports, SS Card and other identifying information. I informed the Bureau of the Theft of Identify by mail and phone, I Disputed the Inquiries and requested they removed erroneous information immediately. Its been months and I am at the end of my rope because my livelihood is at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: CA

Complaint narrative:
I am a victim of Identity Theft and the cyber breach, I am a military veteran and I was not in the country when the accounts were established. I filed disputes, the accounts were investigated, determined not to be mine and were deleted. The accounts were then sold to another company and is now reporting on my credit again. I filed a police report, notified all of the legal entities and the Credit Bureaus but TRANSUNION has made my life a living nightmare. The law requires the bureau to report accurate information. Their failure to do so is jeopardizing my employment. I provided the Bureaus with my ID, Credit, Police Reports, SS Card and other identifying information. I informed the Bureau of the Theft of Identify by mail and phone, I Disputed the Inquiries and requested they removed erroneous information immediately. Its been months and I am at the end of my rope because my livelihood is at risk.

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 2019-11-25 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: AR

Complaint narrative:
I tried to set up a MyEQUIFAX account online to unfreeze my credit with EQUIFAX. I did this successfully for my husband. However, I was unable to receive the texts to verify due to a problem with my phone. The website then asked several very vague questions about my credit that did not seem applicable to me. The EQUIFAX website said I had to call them. 

I called and spoke with a representative and after giving my social, address, phone number, and date of birth, they asked more vague questions that I apparently answered incorrectly. 

I need my freeze lifted tomorrow!!! I even talked to a supervisor that told me I would have to fax two forms of id. I had to drive 20 minutes and pay to fax it. After waiting a couple of hours, I called again and was THEN told that it would take 5 to 7 days and then they would mail me. This is totally unacceptable! EQUIFAX is holding my credit information hostage and I don't have any other recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
I had a bill from an ambulance service I was trying to covered by my health insurance company, I did receive a couple bills, but never knew it went into collections until I found a collections mark already hit on my credit. I never got any notice from the collections agency and had no way to dispute or validate the debt. When trying to call they just asked for payment, and did not seem to care about not receiving any written notice. I am also not sure who has the debt, my credit report says TCI, but when I tried calling the number they give me a different name of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I have had issues with Citi Bank credit card 3 times since XXXX of this year. 

1. XX/XX/2019 -- my card was used for a lease in PA to obtain an apartment. One, I don't live in PA. Second, person that used it is not my name and do not know how they obtained my card which Citi cancelled and issues me another card 2. XX/XX/2019 -- there where three payments made that is did not make of XXXX, XXXX and? Which they closed it. I tried to explain to them and inform them I did not make those payments and had to send everything to XXXX  which had to correct it which then Citi overturned and reinstated since they realize I did not make the payment not could tell me whom made the payments as well as I did not authorize the payment. 

3. XXXX XX/XX/2019 -- same issue as XX/XX/2019 someone made a payment of XXXX which I did not make not could Citi tell me whom made it and closed account as well as I did not authorize payment of XXXX. 

I tied to inform them of this and XXXX from there higher up department made numberous counterdictions in her statement on the phone as well as their letters. I did mail a copy to your company along with a couple other issues for XXXX  breach which need addressed as well. She first told me that is was closed cause that their were too many new accounts open in my name that I did not open and or authorize. Then her second conversation she states it was closed because of the payments. Third conversation she goes back and forth between the first two stories of too many accounts open which is false and payments made which I did not authorize. I did mail you a copy of the letters and everything from XXXX til now from them that are counterdict each other and they can't answer questions.

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 2019-11-25 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: AES/PHEAA
State: PA

Complaint narrative:
On XX/XX/2018, my IDR was approved for $ XXXX  monthly, however this was never applied to my account and resulted in a deliquent account by XX/XX/2018. After discovering the mistake and reaching out to fedloan servicing, they suggested i apply for forbearance to fix their own mistake of applying the new payment plan. This is to retroactively forbear the months of XXXX,XXXX,XXXX,XXXX and XXXX to XXXX of next year. This should never have been done or needed to be done if Fedloan had applied the IDR correctly in the first place. Now a year later, I am still dealing with the fall out with credit agencies. 

They are reporting 36 missed payments during this period and I have started 3 disputes that Fedloan has confirmed that I have these missed payments. I have no other recourse other than to go through legal means at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 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: GA

Complaint narrative:
I am a 30 year veteran of the XXXX XXXX. I am XXXX XXXX XXXX and the lack of respect and lack of assistance have taken its toll on me mentally and physically! I was a victim of identity theft from 2017 XXXX  breach, DoD Email Breach, XXXX XXXX hotels breach. I have reached out to all 3 bureaus and submitted police report ( s ). I have also paid for each credit monitoring service. There have been numerous inquiries and actual theft of my debit and visa cards that I have been dealing with over the last 2 1/2 years! I have placed fraud alerts and frozen my accounts. However, I am in the process of buying a home and my accounts have been unfrozen. I am appalled at the Treatment of US Veterans!  BLUF the bureaus have refused to follow 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 2019-11-25 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: GA

Complaint narrative:
I am a 30 year veteran of the XXXX XXXX. I am XXXX XXXX XXXX and the lack of respect and lack of assistance have taken its toll on me mentally and physically! I was a victim of identity theft from 2017 XXXX  breach, DoD Email Breach,  XXXX XXXX hotels breach. I have reached out to all 3 bureaus and submitted police report ( s ). I have also paid for each credit monitoring service. There have been numerous inquiries and actual theft of my debit and visa cards that I have been dealing with over the last 2 1/2 years! I have placed fraud alerts and frozen my accounts. However, I am in the process of buying a home and my accounts have been unfrozen. I am appalled at the Treatment of US Veterans!  BLUF the bureaus have refused to follow 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 non-monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I signed up for a citibank account with a XXXX XXXX XXXX mile bonus for meeting qualifying activity ( XXXX in debit card charges+1 qualifying bill payment ). I met this activity but did not recieve the bonus. 

I've chatted with several times in the past, where each one they told me to just " continue waiting '' and it would post. I finally grew frustrated with this and escalated for an investigation. The investigation team told me the offer never attached to my account. 

This is wrong on two levels : Representatives have been confirming the offer multiple time in chat. Citi should have a record of our chat logs. 
I applied through a targeted email link I received from Citi, I am attaching a pdf of the email.

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 2019-11-25 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:
These accounts are likely fraud as I don not recognize them this information is wrong please remove from my 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 2019-11-25 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: PA

Complaint narrative:
On XX/XX/2018, my IDR was approved for $ XXXX monthly, however this was never applied to my account and resulted in a deliquent account by XX/XX/2018. After discovering the mistake and reaching out to XXXX XXXX, they suggested i apply for forbearance   to fix their own mistake of applying the new payment plan. This is to retroactively forbear the months of XXXX and XXXX  to XXXX of next year. This should never have been done or needed to be done if XXXX had applied the IDR correctly in the first place. Now a year later, I am still dealing with the fall out with credit agencies. 

They are reporting 36 missed payments during this period and I have started 3 disputes that XXXX has confirmed that I have these missed payments. I have no other recourse other than to go through legal means at this point.

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 2019-11-25 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: PA

Complaint narrative:
On XX/XX/2018, my IDR was approved for $ XXXX monthly, however this was never applied to my account and resulted in a deliquent account by XX/XX/2018. After discovering the mistake and reaching out to XXXX XXXX, they suggested i apply for forbearance to fix their own mistake of applying the new payment plan. This is to retroactively forbear the months of XXXX and XXXX to XXXX of next year. This should never have been done or needed to be done if XXXX had applied the IDR correctly in the first place. Now a year later, I am still dealing with the fall out with credit agencies. 

They are reporting 36 missed payments during this period and I have started 3 disputes that XXXX has confirmed that I have these missed payments. I have no other recourse other than to go through legal means at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: PA

Complaint narrative:
On XX/XX/2018, my IDR was approved for $ XXXX monthly, however this was never applied to my account and resulted in a deliquent account by XX/XX/2018. After discovering the mistake and reaching out to XXXX XXXX, they suggested i apply for forbearance to fix their own mistake of applying the new payment plan. This is to retroactively forbear the months of XXXX and XXXX to XXXX of next year. This should never have been done or needed to be done if XXXX had applied the IDR correctly in the first place. Now a year later, I am still dealing with the fall out with credit agencies. 

They are reporting 36 missed payments during this period and I have started 3 disputes that XXXX has confirmed that I have these missed payments. I have no other recourse other than to go through legal means at this point.

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 2019-11-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: MM Finance, LLC, Bellevue, NE Branch
State: IA

Complaint narrative:
I have a loan out threw ez money and they are threating me with court i live in iowa im low income they had someone serve me i owe XXXX i need to set up a payment plan check cashing i haven't received any phone calls to settle this debt or any mail i feel like there trying to scare me in to paying the amount i understand its owed to them but i can't afford much with one income and XXXX kids XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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:
These accounts are likely fraud as I don not recognize them this information is wrong please remove from my 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 2019-11-25 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: FL

Complaint narrative:
These accounts are likely fraud as I don not recognize them this information is wrong please remove from my report.

Company response to consumer: Closed with explanation