vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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:
THERE ARE TWO ACCOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I DISCOVERED THEM TODAY XX/XX/19 WHEN I WAS DENIED FROM OPENING A CREDIT CARD AT XXXX. NEITHER OF THOSE ACCOUNTS BELONGS TO ME AND I DID NOT ALLOW ANYONE TO OPEN THOSE ACCOUNTS IN MY NAME. I DID NOT BENEFIT ANYTHING FROM THOSE ACCOUNTS SUCH AS MONEY, GOODS OR ANY OTHER BENEFIT AND I HAVE NEVER HAD ANY WRITTEN/VERBAL CONTRACT WITH ANY OF THESE COMPANIES. I BELIEVE THAT THESE ACCOUNTS WERE OPENED BY A PERSON NAMED XXXX XXXX XXXX ; I HAVE NO RELATIONSHIP WITH THAT PERSONA AND I NEVER GAVE HIM/HER PERMISSION TO OPEN THESE ACCOUNTS USING MY PERSONAL INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Scam or phishing emails from Synchrony Bank. Called customer service and was told it was not sent by them and the agent hung up on me XXXX told me Sent to wrong e-mail. On XXXX, a thread says some are told not sent by us and others sent by mistake.

Action required on your application email from 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 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: NC

Complaint narrative:
XXXX XXXX Ss # XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic.

The inquiry in question was apparently made by XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I contacted XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible.

Thanks for your prompt attention to this 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 explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Parties involved : PayPal Synchrony Bank ; I did not receive or lose any money, just had several very adverse charges to my credit reports which has significantly impacted my credit score.

To whom it may concern.

This appears on my credit report at all three credit bureaus and we are in the process of purchasing a home and this has had a major effect on my credit score. I have called and spoken to 5 different people at Synchrony and PayPal with everyone agreeing that this is not an account and I do not have a credit account with you or synchrony. Unfortunately, no-one has been able to stay on the line long enough to follow-through and I have been hung-up on multiple times but the " representative ''. I need a letter stating that this report was sent in error, the customer service person I spoke with on Friday said a letter would be faxed to me at XXX but I have not received the letter.

Thank you for your attention to this matter.

Sincerely, XX This appears on all three credit bureaus SYNCB/PPC XXXX History : XX/XX/19 ; XXXX XXXX dates XXXX XXXX. XXXX, XXXX ACCOUNT CLOSED AT CREDIT GRANTORS REQUEST

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 card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
The bill was sent, the balance was paid in full by the due date, but Chase XXXX decided they want to bill an additional {$10.00} after the balance was paid in full. They refuse to make corrective action and are sending falsified bills because they will charge however they please even when the balance is paid in full after complying with the funds requested by their statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
We received several emails from Synchrony Bank on XX/XX/2019 about trial deposits being made and action needed on my application. Since we did not apply for any accounts or attempt to link any accounts we tried to access our accounts via the banks app and website without success. We attempted to contact them through support email, chat and at least six phone numbers. Chat was down, ALL phone numbers reported being disconnected and we did not receive any email response. It appears to customers that Synchrony Bank has been hacked and is no longer in business. What is going on and why have they not issued any information to their customers?

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: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
Im asking this agency to investigate this triad financial - for fraud and over charging us - I have an impound basis account - to them and I never been late in paying them - Im still retrieving bills from the XXXX XXXX county collectors.

This company even over charged me, when in time of the closings the loans. 

There office in XXXX XXXX will just transferred me - while Im talking - and its always a voice mail. 

I send my concern in this agency before but this triad never called me at all Hope that they will be investigated for fraud activities.

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.

Complaint narrative:
In my credit report Trans union company changes my address every month. However i never change my address from 2 years and there are many unknown credit card accounts that does not belongs to me are showing on my report .some of them they removed and there are 3 accounts that are still showing on my report and continuously damaging my credit history. I called the XXXX XXXX, XXXX  XXXX XXXX   about those accounts that are belongs to them but they did not do anything. I have attached the account information of the credit card accounts that are unknown for me

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 — Account information incorrect
Company: The CMI Group, Inc.
State: OH

Complaint narrative:
credit management is collecting for XXXX  XXXX  company, back in XXXX my personal information was stolen, i left XXXX  with a XXXX  balance, however i believe after i moved out that some was still using my cable service in my name, see attachment i filed a police report with identity theft ... 

XXXX  XXXX  credit card, i have closed that account and paid it off, its a a XXXX   balance uplift, i was never late, this website had system issues, and virus issues, the company software was defected preventing me from paying with my personal checking account, and the company would not take my credit card pmt as well, to my understanding i thought i was current and update, i was shocked when i found out that my pmts was being rejected, when i found out i instantly paid and brought current

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX I was trying to reach a person to make sure the bureau was reporting the correct name on my file. I went to their website and they only offered one number, XXXX. I called this number multiple times trying to reach a person. Sometimes the computer would hang up on me and I would have to call them again. In exasperation I began pushing random buttons. All the sudden the computer told me I had frozen my credit. I did not authorize to freeze my credit. If a few easily discoverable security questions and some clicks with a computer on the phone is all it takes to freeze someone's credit then my credit is not safe. I did everything, I said agent, I said help, I said person, and the computer kept hanging up on me. 
I eventually XXXX  Experian 's contact numbers and found a third party site that finally provided a contact number that Experian had refused to release to me on their website. I found out they were actually closed when I called this new number, XXXX. I called back the next day during my lunch break. I was able to find out they did have the correct name. But they refused to take off the unauthorized freeze. She directed me to the web where I answered my security questions perfectly but the computer denied me access. So now I know Experian also has false information on me. She stated the only way to take off this unauthorized freeze is to wait for snail mail. Overnight delivery would cost me money! They have no fax or email! She continued to rudely tell me I did authorize the freeze which is completely false. Random buttons are not authorization for anything, especially something as important as access to funds. I need this unauthorized freeze taken off, I need them to tell me what security questions were answered incorrectly so they can take the false information off my account, and they need to put a real phone number on their website.

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: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I have been receiving letters and calls from Pressler , Felt & Warshaw , LLP located XXXX XXXX XXXX. XXXX New Jersey XXXX. Their phone number is XXXX. Everytime they call, I would explain to them that this debt they are coming after me is not my debt. This is for a XXXX  credit account. Presler, Felt & Warshaw states a judgement was enter on XX/XX/XXXX in amount {$1400.00} plus interest so total of {$1600.00}. Around XXXX, yes 19 years ago. I was a victim of identity theft. I did not know of this until around XXXX. When I contacted the 3 credit agencies, there was not much they did due to identity theft was not a thing like it is now. They said they would put an alert on my credit report. I was never served any court notices. I did speak to someone from Pressler, Felt & Warshaw few months back. I told them I wanted them to serve me properly and I would go to court and explain my case. I received another letter from them today. It was a Subpoena Written Questionnaire. The opening of this letter states if I do not return this questionnaire, I would be arrested! I was never properly served, I want to see how this debt belongs to me. They say this is a target credit account. I want to see where I signed to open this account. This is not my bedt and they are not giving me any chance to dispute this. This is a identity theft case from almost 20 years ago. How can they do this. I should be given the fair chance to dispute this. Instead of being threaten of arrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received XXXX separate emails from Synchrony bank on XX/XX/2019 indicating that my XXXX XXXX XXXX account was now open and ready for use. I did not apply for this credit card/account. I called several Synchrony bank contact numbers and none of them were in service. I have been unable to reach the bank to investigate the fraudulent card. I have notified my credit protection service.

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 card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Received 3 emails on Monday, XX/XX/2019, between XXXX to XXXX PST from Synchrony Bank : 1. Action required on your application 2. A trial deposit has been successfully made 3. A trial deposit has been successfully made to your Amazon Creditbuilder. 

I never applied for any Amazon credit cards. Contacted Amazon and they told me to contact Synchrony Bank. Synchrony Bank is impossible to contact as either none of their phone numbers work or their automated system won't let you talk to a human. 

This is fraud and I want it dealt with, however, this bank appears to be less than standard since even trying to directly contact their fraud department runs me into the same issue where I can not get a number to work or they throw me off the automated line.

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: FL

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$220.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had scheduled a time for XXXX XXXX to come and do the installation however, their technician was a no-show. I immediately contacted customer service with XXXX XXXX  and told them that their technician never bothered to show up and never communicated with me why he was a no-show. I cancelled my service and I was told by the representative at XXXX XXXX since their technician failed to show up for his appointment that cancelling would not result in my owing any money on this account and that this account was in fact closed. I did not know that XXXX XXXX had sent me to collections until I obtained a copy of my credit report. This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NPAS, Inc.
State: VA

Complaint narrative:
I received service at the XXXX XXXX XXXX in XXXX, VA in XX/XX/2018. 
I was billed wrongly but after disputing the initial bill, XXXX XXXX XXXX adjusted the cost and sent a new bill. 
My insurance company paid their portion and I received my EOB ( Explanation of Benefits ) from my insurance Company that I owe XXXX XXXX XXXX {$510.00}. 
I sent a check to XXXX XXXX XXXX in the full amount of {$510.00}. 

I started getting calls from XXXX XXXX XXXX that I still owe an additional {$80.00}. 
I called my insurance company ( XXXX ) and they had me on the line and called XXXX XXXX XXXX to let them know how much I was to pay them. 
XXXX XXXX XXXX asked my insurance company to fax my EOB which they did. 
Few weeks later, XXXX XXXX XXXX called again to say I still owed them money. I disputed it and they asked me to fax them another copy of my EOB which I did. 
Months later, and subsequently afterwards, I kept getting calls from NPAS on behalf of XXXX XXXX XXXX saying that I owed them money. 

I have since faxed another copy of my EOB and mailed another to their P.O. Box but the calls woud n't stop. 

This is my complaint of harassment by the XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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:
TODAYS DATE:XX/XX/XXXXXXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX   system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian  ), and Richardson v. Fleet, Equifax  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXXr system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: FL

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$220.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had scheduled a time for XXXX XXXX to come and do the installation however, their technician was a no-show. I immediately contacted customer service with XXXX XXXX and told them that their technician never bothered to show up and never communicated with me why he was a no-show. I cancelled my service and I was told by the representative at XXXX XXXX since their technician failed to show up for his appointment that cancelling would not result in my owing any money on this account and that this account was in fact closed. I did not know that XXXX XXXX had sent me to collections until I obtained a copy of my credit report. This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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