vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
Called my employer on XX/XX/XXXX, leaving a message with my manager stating they were an attorney trying to serve me papers. Today XX/XX/XXXX, they have called 6 times already, between XXXX XXXX and now. XXXX, XXXX, XXXX, XXXX, XXXX, and starting the day at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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 — Investigation took more than 30 days
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I have attempted on several occasions working with the credit bureaus and creditor to resolve late payments for both vehicles with Westlake Financial Services. I have paid 2 payments at the same time on several occasions ( 3 times ) and I requested for Accounts # XXXX and XXXX credit payments for each vehicle in XXXX, XXXX and XXXX. One of the vehicles we recently paid off, I have send them a goodwill letter on 4 different occasions and continue working with the credit bureaus to this date. They have tell me its our fault over and over, they will not take responsibility of their error that affecting me of not receiving an opportunity to purchase a home for my family, please help me get this issue resolved in a timely manner.

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 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
For several months, I have been blocked in trying to obtain my annual credit report from Experian. I have tried to have this fixed through multiple calls to Experian. They have not taken the time to look into this issue. I have spent multiple hours on the phone with them with no success. I not only can not obtain my free online credit report bay can not dispute online and am having issues with lenders and potential banks due to them not being able to identify me through Experian. 

This issue has been going on for months and and I feel that it is my right to be able to obtain my actual credit report as mandated by law, Currently, I have having issues opening accounts and can not prequalify for a mortgage due to some block that Experian has on my file. My credit report is unlocked and there is no fraud alert in place. 

Thank you, 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 2021-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems
State: NC

Complaint narrative:
Financial Data Systems is trying to collect a debt on behalf of XXXX XXXX XXXX from XX/XX/2015. The original creditor did not bill my medical insurance within my insurance company 's timely filing guidelines. It also appears that this was not filed with my insurance at all. I also did not receive any documentation from the creditor regarding this debt. I only have the information presented from my credit report. I have tried to dispute the debt with this collection agency, and each time I am told this is a valid debt. This debt should be removed on the basis of the original creditor not filing this to my insurance company and on the basis of me not receiving any written notification or documentation regarding this debt. Please see the attached documentation showing when the DofD is, history of medical claims filed, and medical claims filed the date in question. Please review

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 2021-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
A company keeps reaching out to me and my entire family from various phone numbers stating i owe them XXXX from bestbuy in XXXX. They keep harrasing me and my family stating they are going to take me to court and i must reply within 24 hrs or they will take action in court. I filled for bankruptcy in XXXX. Anything from besbuy after that would have been identity theft or just a scam. I did tell them to give me their company name and proof of such purchases and nothing. I even called bestbuy legal dept and they dont see anything 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 2021-05-10 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: IA

Complaint narrative:
My name is XXXX XXXX and Im submitting this complaint on behalf of myself and for myself and will attach my State ID with this complaint for verification purposes. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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 viewed my credit report and discovered inaccurate information being reported on my credit report I never authorized these Inquires I contact XXXX  about this and I was told I need to report with your company. XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 Under the FCRA the credit bureau must report correct information please investigate this 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 explanation
Consumer complaint received 2021-05-10 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 viewed my credit report and discovered inaccurate information being reported on my credit report I never authorized these Inquires I contact XXXX  about this and I was told I need to report with your company. XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 Under the FCRA the credit bureau must report correct information please investigate this 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 explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
I received a letter today, XX/XX/2021, that I owe {$1400.00} for a loan by phone, and if I sent {$700.00} by XX/XX/2021 it would be considered resolved.. My credit report says I owe the same amount for an account opened in the last six months. Wrong name listed and I'm sure this is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is a fraudulent account that was successfully disputed last year. Original creditor : XXXX XXXX XXXX. Collection company at the time : XXXX XXXX XXXX XXXX Please refer to FTC report number : XXXX ). They are trying to put this collection account on my credit file again this year with a different collection company ( XXXX XXXX XXXX ). 

When I dispute an account with Equifax, They ask me to wait pending the results of their investigation, which could take up to 30 days, in hopes they find something negative again during that time. To me this is nothing more than a cheap attend to suppress my score. They clearly do not need 30 days to review an account they already reviewed last year. 

This is my third complaint about Equifax ( for different issues ) within the last five months. 

Asked for annual credit report - Not provided until complaint to FTC Asked to remove account older than seven years - Not removed until complaint to FTC Asked to remove PREVIOUSLY disputed fraudulent account - PENDING I hope they are not using retaliatory methods and instead focus on doing a better job at keeping fair and accurate people 's financial history. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This is a formal complaint against Synchrony Bank Lowes located in XXXX, FL. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Synchrony Bank Lowes has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I sent a letter to XXXX comenity bank, almost 2 months ago and they have not responded to the letter that I sent. I asked them to verify how they got the information that they are reporting on my credit report. So what they did was try and update it on my credit report as closed XXXX XXXX but listed a payment XX/XX/XXXX XXXX. How can a payment be made on a closed account. Plus if this account is closed and so called listed under bankruptcy how are you all still updating this account. You just updated XX/XX/2021. However, I am still waiting on my letter on how they even got any information to list on my report. I have contacted XXXX Pacer and also the courts. Which they have sent letters that they did not report this to your company. And if you got this from XXXX there records were wrong and they have removed this from there recoreds also. I will attach letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: LA

Complaint narrative:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$430.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OTHER ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2004 with a balance of {$430.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: DISCOVER BANK
State: MI

Complaint narrative:
I sent a letter to XXXX and I asked them to verify how they got there information to list on my credit report. They sent me a letter stating that they got there information from XXXX consumer center. Therefore, I sent a letter to XXXX and upon them looking at my report they have removed this information that they were reporting wrong. I will attach the letter from them and I hope that you all will follow there lead. I hope that you don't send me a letter back claiming that you all got this information from pacer or the courts because I have also attached letters from them. I also attached the letter you all sent me claiming that you got your information from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: CA

Complaint narrative:
XX/XX/2021 going to store, checked balance : {$1.00} remaining. Down from {$120.00} 2 days before. Checked transactions online. " XXXX '' for {$60.00}, plus another $ XXXX {$40.00} in " unsettled transactions, international transactions, '' and other, small fees. Direct Express rep stated " fraud is obvious. '' Closed account, ordered new card. Called SSA to receive paper check as of XX/XX/2021. Confirmed change two, consecutive days. Direct Express agent have lots of information, then said a " fraud package would be mailed out. '' Even if I don't fill out paperwork in package, rep assured me " case would be investigated still. '' Package received today ( XX/XX/XXXX, mailed XX/XX/XXXX ). 
The Problem : I CAN'T GET ANYONE TO ANSWER PHONE!!! The other portion of fraudulent charges, " not settled, '' are due to be investigated. Since card is cancelled, and Direct Express is stating ( at phone XXXX ) the new card was mailed on XX/XX/XXXX, need to access my records in the Fraud Department. XXXX hangs up as soon as I input my number. Can't get through to Direct Express. 
I figure the company is in trouble and things are going badly. Customers have to suffer the losses, and zero-oversight save for XXXX XXXX THREE, YEARS AGO! Something is very off here. What little communication Direct Express offered has dwindled to nothing. My stolen funds are likely a sure loss now ; I might get lucky and have {$60.00} refunded, but not expecting much from this, government-subsidized entity. 
It's as if SAA recipients, with limited everything, are being thrown under the bus -- and nobody cares. 
Please help -- please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank sent me a letter in the mail indicating that they were going to close my credit card account due to lack of use, and that if I wanted to keep the account open, to reach out to them. I no longer needed the card, so I let it expire, and I got a letter notifying that the account had been closed. 

A long time later, by surprise, I got two cards to activate. So when I called the customer service line to find out what those cards were about, they told me that they re-opened my account 15 days after closing the account. They claimed to have sent me a letter notifying me, but I recall no such letter, and 100 % did not approve any such account re-opening. 

Luckily, there was no activity or fraud, but I assume this affected my credit score in a negative way to have lines of credit left unused that I did not approve to have opened. 

It also seems like a very bad business practice, so I figured I'd report 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 2021-05-10 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 never apply for any auto loans

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 2021-05-10 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 pulled my report and I have seen numerous inquires that I didn't authorize.. Tried calling the company and they have no record of it. I called credit bureaus and they failed to help me by keep stating the company can only 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 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: OK

Complaint narrative:
BBVA closed and shut down Simple online checking accounts, including mine. They transferred the account on a Saturday, assuring us it would be an easy and smooth transaction but it has been anything but. I have been completely locked out of my account for 3 days now. I have been unable to reach them to unlock my account so I can see my funds and transactions. They have no email or chat help, and I have been disconnected 4 times while trying to connect with their customer service on phone. This is happening to not just me but thousands of former Simple customers, its all over XXXX and XXXX. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony Bank has started to close all my accounts during the COVID pandemic of XXXX without notification. They simply closed my accounts and sent me a letter AFTER the fact. Today XX/XX/XXXX I received three additional letters indicating that they closed my Lowes, Care Credit and XXXX XXXX credit cards after I specifically told them LAST year not to close Lowes or Care Credit because those were emergency credit cards. I have been paying monthly and ON TIME but their letters said I was INCAPABLE of paying my bills - XXXX - PREJUDICED - if I were WHITE this wouldn't be happening. HOW DARE THEY JUDGE ME. I am paying ALL MY BILLS and my business is BOOMING. They are also reporting that the cards were closed by them which FUTHER AFFECTS my credit score.

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 2021-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHECK INTO CASH INC.
State: OH

Complaint narrative:
I received a letter today, XX/XX/2021, that I owe {$1400.00} for a loan by phone, and if I sent {$700.00} by XX/XX/2021 it would be considered resolved.. My credit report says I owe the same amount for an account opened in the last six months. Wrong name listed and I'm sure this is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: PA

Complaint narrative:
I received a debt collection letter in the mail. When I called to dispute the debt the lady got attitude and talked about filing a fraudulent police report. When I called back to talk to other representative, the guy that answered was not polite and hung up on me. Both times I was ensuring nothing further needed from me, and nothing needed submitted in writing disputing the collection. 
I tried explaining the patient in question was a prior XXXX XXXX  however was not placed with us during the service date listed. We did not even know each other at that point. The patient in question was still living at home with his biological parents.

Company response to consumer: Closed with explanation