vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: DC

Complaint narrative:
This is not my account, my credit file has been frozen since XXXX or XXXX of 2021, therefore this account should not have been OPENED... THIS IS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC.
State: KY

Complaint narrative:
I simply need Access to my robinhood account, they are none existent when needed.ive tried for last 5 months to access my account and them. 
No nothing from them., I'm going to the XXXX next. 
They are responsible for any losses that occur since I been trying to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately : XXXX XXXX-Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: NJ

Complaint narrative:
Someone seems to have access to my personal information and is trying to ruin my credit. In XXXXXX/XX/XXXX, a debt from XXXX XXXX appeared on my credit with a balance of {$7900.00}. this debt has no account number, just a XXXX XXXX XXXX a phone number. I made several calls to them and have gotten nothing more than the classic run around. I have been unsuccessful in rectifying this problem. 

InXX/XX/XXXX, I was rerouted to a collection agency and spoke to a Mr. XXXX XXXX who informed me that I did not have an existing account with their agency and that whatever account it was is either closed or is not with their company. I recorded my conversation with Mr. XXXX XXXX since I kept getting the run around. I have his voice making the statement. 

Both companies are claiming to not have possession of this account so I don't know why it is on my credit report. I need this to be removed from my credit report immediately as this is causing me an enormous amount of stress. Please advise as I do not know what to do.

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 2021-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I financed my car with Santander Consumer USA in XXXX of XX/XX/XXXX. I paid roughly {$15000.00} for it. After 2.5 years into the loan my payoff is {$14000.00}. I called for a payoff last year during this same time and it is still the same amount this time this year. Ive only been credited about {$900.00} into the principal after completing 27 payments. My interest rate is 27 %. So far Ive invested almost {$13000.00} into paying for my car and havent been credited {$1000.00} towards my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXX XXXX  sent me a letter dated XX/XX/2021 indicating they sold an alleged debt to Portfolio Recovery Associates, LLC. I did not give XXXX XXXX  permission to sell my personal information to any natural person, individual or corporation. XXXX XXXX  is committing identity theft by selling my personal information without my consent. The alleged debt is disputed. I do not have a relationship or contract with Portfolio Recovery Associates, LLC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: WI

Complaint narrative:
I received a letter from US Bank dated XX/XX/2021 stating, " We regret that we are unable to establish an account for you at this time because we are unable to verify identification information on the application ''. I did not apply for a credit card from US Bank ( XXXX ) and I tried to call the phone number on the letter ( XXXX ) to inform them and get more information but I was on hold 30 minutes and no one answered my call. I called several times Monday XX/XX/XXXX and Tuesday XX/XX/XXXX with no luck. The REF # on the letter is : XXXX. It stated the creditor and issuer of this card is U.S. Bank National Association.

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 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am writing to file a compliant against PNC Bank PNC Bank Headquarters Corporate Office Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Pennsylvania XXXX United States XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX 

I am not liable for this bank fraud and I did not incur debt for XXXX that occurred on XX/XX/21. This is " Bank Fraud. '' I am not responsible for this debt. PNC failed to help me as I was told " I did not have anything to worry about. '' I later received a letter, stating the account was closed and that investigation was over, returning the cents that were in the account prior to fraud. I wrote a l letter of dispute to XXXX on XX/XX/21 asking for more validity, after receiving a letter 2 months later for debt collection that I did not occur ; after bank told me " I did not have anything to worry about. '' They responded with bank transactions, holding me still responsible. I did not incur this debt. I am seeking a lawyer for counsel for this bank fraud I am being held responsible for. I want to be extricated from this fraud and not be held responsible nor do I want it on my credit report that I worked so hard to keep in good standing. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had an interest bearing account and a non interest account. I had been paying {$250.00} a month on the special account, So when the interest account came on I sent {$350.00}. They applied all of the money on the interest account and nothing on the other account. When I inquired why. They said the government required them to do that. That would put my other account to go into default. So I sent {$1500.00} to pay both accounts in full. This was in XXXX, XXXX. The special account was requires to complete in XX/XX/XXXX.Well they paid the interest account in full. And there was a balance of {$680.00} more than enough to pay the special account before the XXXX end date. They applied this money to a new interest free account not due until XXXX. I am asking for help because the customer service sent me the rules they follow from the government. It states that the interest account must be paid first and then any monies left should be applied to the special account that is within two months of completion. The customer service Mgr. completed the fix and sent it to the next level. This must be someone in XXXX because they erased what the Mgr. did for me and made it worse. I need help. I can not call customer service ant more. I get XXXX who does not understand.

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 monetary relief
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
As of XX/XX/XXXX, TransUnion is reporting an account that was closed on XX/XX/XXXX with a XXXX balance as a " Current '' account with a balance of " {$150.00}. ''

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding LLC has listed an account on my consumer credit report. I do not have a relationship or contract with LVNV Funding LLC. LVNV Funding LLC is furnishing false, misleading and deceptive information on my consumer credit report. This alleged debt is disputed and proper validation is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Between XXXX XXXX of this year, I contacted Macy 's credit card department via secure message to inform them of my financial situation. In the first message, I asked to be contacted by email or my mailing address. Each time I sent a message, I received the same message from them. It seemed generated and directed me to call them. Between XXXX XXXX, I submitted another secure message, this time ceasing all telephone communications as per Fair Debt Collection Practices Act ( FDCPA ). Because these messages were being ignored ( continued calling ) & the responses given were all the same, I mailed a CEASE letter to the address provided for correspondence on XX/XX/XXXX. According to the tracking, this letter was delivered on XX/XX/XXXX. With each submitted request, this company was given plenty of time to remove my number from all their communications. Unfortunately, this company has refused to do so and calls have continued. In one day, I receive between 6-8 calls from this company alone. I refuse to answer, and this company can not harass and annoy me to answer. Whatever this company is trying to communicate through these calls can also be communicated in an email or letter sent to my address. I have already communicated with them regarding this debt and provided 2 other ways to communicate with me. These harassing and aggressive phone calls are not going to make money that I do not have suddenly appear. I know this company is within its rights to collect this debt ; however, they can not do it by violating my rights. Again, I have made every legal action and attempt to communicate with this company regarding this debt. by sending a letter detailing my financial situation as well as ways to communicate with me. This company has refused to comply with my written requests to cease all telephone communications. This company does not have the right to continue to violate my rights because they do not like or accept the response given regarding my financial situation and this debt. I am unable to resolve this matter amicably and professionally. This is the next step.

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 2021-11-11 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: NJ

Complaint narrative:
Someone seems to have access to my personal information and is trying to ruin my credit. InXX/XX/XXXX, a debt from XXXX XXXX appeared on my credit with a balance of {$7900.00}. this debt has no account number, just a po box and a phone number. I made several calls to them and have gotten nothing more than the classic run around. I have been unsuccessful in rectifying this problem. 

In XX/XX/XXXX, I was rerouted to a collection agency and spoke to a Mr. XXXX XXXX who informed me that I did not have an existing account with their agency and that whatever account it was is either closed or is not with their company. I recorded my conversation with Mr. XXXX XXXX since I kept getting the run around. I have his voice making the statement. 

Both companies are claiming to not have possession of this account so I don't know why it is on my credit report. I need this to be removed from my credit report immediately as this is causing me an enormous amount of stress. Please advise as I do not know what to do.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: NJ

Complaint narrative:
Someone seems to have access to my personal information and is trying to ruin my credit. In XXXX ofXX/XX/XXXX, a debt from XXXX XXXX appeared on my credit with a balance of {$7900.00}. this debt has no account number, just a po box and a phone number. I made several calls to them and have gotten nothing more than the classic run around. I have been unsuccessful in rectifying this problem. 

In XXXX of XX/XX/XXXX, I was rerouted to a collection agency and spoke to a Mr. XXXX XXXX who informed me that I did not have an existing account with their agency and that whatever account it was is either closed or is not with their company. I recorded my conversation with Mr. XXXX XXXX since I kept getting the run around. I have his voice making the statement. 

Both companies are claiming to not have possession of this account so I don't know why it is on my credit report. I need this to be removed from my credit report immediately as this is causing me an enormous amount of stress. Please advise as I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
They refused to take my fraud complaint about money taken out of my account after they had closed it due to me being XXXX. I spoke to an unidentified woman at BofA at XXXX XX/XX/2021 and she refused to take my fraud complaint, and she refused to accommodate my XXXX when requested. XXXX and XXXX her supervisor in Delaware refused to serve me or accommodate my 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 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I received confirmation from two previous accounts that have been cleared and advised from the collection agencies for the accounts to be deleted off of my credit report in which I sent to Experian and they did not delete from my credit report but they updated their account when they accounts to be deleted immediately

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 2021-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: CO

Complaint narrative:
I was charged for services they were not completed. Never received results XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I was told to go home. I never received a bill for the debt and then was contacted by Americollect about the balance. I told them what happened and they advised the amount would be taken care of. I thought it was fine since no other contact or correspondence was sent.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I was hospitalized I the XXXX due to XXXX. My insurance as an XXXX XXXX member ( civilian ) of 14 years covers my hospital care minus my copay. Everything else is paid including who sees me in the hospital during my stay. XXXX XXXX XXXX ( XXXX XXXX XXXX ) saw me while in the hospital for a total of 5 min each time. XXXX XXXX  paid my hospital claim months before the very same amounts were fraudulently billed twice ( Dates of service XXXX ) but this time XXXX billed and coded them as office visits as if I went to his office when we know that to be false because I was half dead in my hospital bed. Now his office is committing insurance fraud and billing the insurance with duplicate claims knowing any insurance with a conscious would reject them. Once rejected and reprimanded by XXXX they chose to bill me for services that were already paid for by XXXX. Again, insurance fraud. On XX/XX/XXXX they assigned a collection agency Merchant & Prof for claims that were settled by XXXX in XXXX. I have tried to tell both them and XXXX office that Im stuck in the middle of this and I do not have a patient balance. The collection agency rep  XXXX was condescending and rude. He hung up every time I called them. Even after being sent the Explanation of Benefits from XXXX inXX/XX/XXXX showing a XXXX patient responsibility to their client, the agency is still falsely reporting this debt. They continue to defame my name and financial integrity. The issue isnt payment history as my track record is excellent. The issue is that XXXX XXXX XXXX, XXXX XXXX XXXX, and their collection agency Merchant & Prof are committing the crimes of Insurance Fraud and extorting consumers into paying claims theyve illegally duplicated. Which is why the duplicates were rejected by the insurance. Ive disputed on all 3 credit bureaus but XXXX and XXXX are still under investigation. The fact that this level of fraud is allowed by the credit bureaus is a clear indication that consumer protection and security dont exist. How can they allow fly by night collectors to report false tradelines?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient has listed an account on my consumer credit report. Navient is providing false, misleading and deceptive information to credit reporting agencies. Navient has failed to provide a full file disclosure. Navient did not provide an original contract from the original creditor with my wet signature.

Company response to consumer: Closed with explanation