vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-17 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XXXX XXXX/XXXX XXXX XXXX {$830.00} XXXX XXXX XX/XX/XXXX {$530.00} I pulled my credit in XX/XX/XXXX and i noticed accounts that were on my credit report that were not mines. I reached out to each credit card company as well as all 3 credit bureaus and reported i was a victim of identity thief. Each company request i fill out and fax back the affadavit form they mailed out to me which i did and also attched a copy of my FTC report as well. I also wrote dispute letters to them and the credit bureau asking for original proof with something with my signature on it. the credit card companies sent me a copy of monthly statements that i nevered recieved before.I also recieved a letter from XXXX saying that that account was open fraudulent and that it was gon na be removed then they changed their minds about it. The credit bureau hasnt sent me any proof with my original signature on it as well, but keep saying the account is varified. Ive been dealing with this issue since XX/XX/XXXX and i havent recieved any original documents or my signature saying these accounts are mines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17 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: TX

Complaint narrative:
From XX/XX/XXXX through XX/XX/XXXX I had 17 requests for bank loans, credit cards, and lines of credit when XXXX and XXXX lifted my freeze alerts without my authorization. XXXX, XXXX, and XXXX also did this in XXXX and XXXX. At no time did they attempt to contact me by phone or mail to confirm that I wanted the freeze alerts lifted. I don't know why they issue a pin number if they don't request it when someone besides myself request that a freeze alert be lifted. Then the nightmare begins trying to contact all these companies, and then the credit bureaus in an attempt to clarify the dilemma. Trying to clarify this with the credit bureaus is almost impossible, taking me two to three hours with each if I was lucky. It seems the hackers have quicker access to my accounts than I do. 
What protection does the average citizen have with these three credit bureaus? 
How can one avoid this from happening again? What does our government do to protect the average citizen from this abuse? 
It seems that our government has allowed XXXX, XXXX, and XXXX to have cache blanche to do what they want without the consumers having any protection 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 2019-04-17 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: CO

Complaint narrative:
Equifax and XXXX  are incorrectly reporting me as an Authorized User on XXXX XXXX XXXX  partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called XXXX  XXXX XXXX and let them know that I did not give permission to be added as an Authorized User to this account. They removed me as an Authorized User on XXXX  however Equifax and XXXX  have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17 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: AL

Complaint narrative:
Apparently someone with a similar name to mine filed bankruptcy in the XXXX XXXX XXXX Alabama, and it appeared on my credit report. Through the dispute system I recently filed a dispute stating that someone with similar name had filed this public record and it was not mine. Unfortunately, it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: NV

Complaint narrative:
I recently filed an Identity Theft complaint with the FTC. I subsequently forwarded that filing along with items that were a part of the identity theft. Although following all procedures, there is still an inaccurate tradeline reporting on my credit file. XXXX XXXX is a result of Identity Theft. This tradeline WAS INCLUDED in my original FTC filing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: CO

Complaint narrative:
XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX XXXX XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User to this account. They removed me as an Authorized User on XXXX however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming 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 2019-04-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Texas Guaranteed
State: OH

Complaint narrative:
I was fired from my job XXXX of this year and just received notice from the IRS that they are taking my tax refund to pay an unpaid federal debt. I checked my credit report and my student loans are all in good standing. 

So I tried calling the phone number listed on the screen and the answering system stated that the company I was calling was a debt collector Trellis Company any information obtained would be used to collect the debt. I was never notified by Trellis Company that they were taking my refund. The one and only notice that I received was last week from the IRS after they finally approved my refund. Which puts me in worse financial hardship because now I have no way to pay my rent nor buy food.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
Under the FDCPA Section 807 ( 8 ) : XXXX XXXX XXXX XXXX, Specialized Loan Servicing ( SLS ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ALL have failed to report a disputed debt to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Someone spent XXXX on my Citibank master card on XX/XX/XXXX. As soon as I noticed the charges on XX/XX/XXXX I notified Citibank that was fraudulent activity. This person bought several cruises on my card. I have never heard of the cruise company and I have never ever spent XXXX in one day. I can not understand how this is not flagged as suspicious activity. As of today XX/XX/XXXX the charges are still showing on my statement and every time I call Citibank I get the run around.

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 2019-04-17 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: NC

Complaint narrative:
XXXX is reporting incorrectly to Equifax and XXXX an account balance of {$2300.00} on the XXXX partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
My wife and I leased a new vehicle and were told to wait for documentation from Chase auto regarding the payments. We waited, nothing came, I started getting several calls a day, I answered, the automated calling system immediately asked for my account number ( which has not been provided yet ) or my social security number. I call the number back and have the same options. I will never provide my SSN to an automated system so I'm not sure what they expect me to do. I did get through to an agent who confirmed my address was correct ( I have also received plenty of mail from the dealership ) and advised that I need my initial billing statement to know where to send my payment, how much is due, etc. I keep getting calls and want to pay but I will not compromise my identity or banking information in the process. 

I'm also not certain this is not a SCAM attempt at this point. I receive calls from ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: NV

Complaint narrative:
I recently filed an Identity Theft complaint with the FTC. I subsequently forwarded that filing along with items that were a part of the identity theft. Although following all procedures, there is still an inaccurate tradeline reporting on my credit file. XXXX XXXX is a result of Identity Theft. This tradeline WAS INCLUDED in my original FTC filing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: IA

Complaint narrative:
Professional Bureau-Collections Address : XXXX XXXX XXXX, XXXX XXXX, CO XXXX Phone : ( XXXX ) XXXX the creditor that for my student loan debt. I called in XXXX XXXX to set up a payment plan and see what I needed to do to get out of default They told me {$100.00}, and I set up a recurring payment from my checking account. I paid on time, every month for 6 months and then i recieved a letter stating that my federal taxes were being OFFSET due to non payment. I paid on time and the amount they told me to pay. I would have been paying more if i knew. I filed a complaint and asked for a hearing with XXXX XXXX XXXX XXXX, I contacted this collector and mailed in my pay stubs, my lease, copies of all my bills, social security cards and every single documentation that they could possibly need in XX/XX/XXXX, still no response. I call at least twice a week and sit on hold and then am redirected to another useless person who gives me a different response and a different way to handle this. I just want to set up the correct payment and these people have been absolutely horrible

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: NV

Complaint narrative:
I recently filed an FTC report for Identity Theft. I then submitted the CRA 's a copy of that filing and a list of items that were included in my FTC affidavit that should be removed from my credit profile. There are several tradelines still reporting fraudulently on my report. These companies include XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: TX

Complaint narrative:
There is a consumer statement included in my credit report that I believe should have been removed years ago. Transunion added a comment beneath the statement saying that " this statement has no expiration date. '' The statement is in reference to an entry that has previously been removed by Transunion in XXXX of XXXX ... removed over 3 years ago, as the result of a complaint filed with the Consumer Financial Protection Bureau. I believe that once an entry has been removed, that all information or statements related to the entry should also be removed at the same time. 
Note : I wrote a letter to Transunion trying to get this issue resolved on XX/XX/XXXX and on XX/XX/XXXX, Transunion responded by sending me a response where they denied my request to remove the statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I explained to this Experian company plenty of Times This was a Gap Refunded Check that the company said that they refunded by error this wasnt no line of credit are a loan I had this removed by the other credit companies because this was false information to put this on my credit I will fight this over and over to remove this of my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
I received a collections letter for a 6 year old medical debt. Besides being right at the statue of limitations for collections in Ohio the bill is a billing error on behalf XXXX XXXX provider XXXX XXXX XXXX. I have confirmed with my insurance carrier, XXXX XXXX, the the physician never billed my insurance. Upon calling XXXX hospital billing to rectify this, I was informed that XXXX doctors perform their own billing. I am not responsible for this billing error. The physician can not provide any statements proving they billed my insurer and therefore are attempting to collect from me to cover their error. I was also advised in writing, by the collection agency, that consumer reporting agencies have been notified of this collection and ruining my good credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: NC

Complaint narrative:
XXXX is reporting incorrectly to XXXX and Experian an account balance of {$2300.00} on the XXXX partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CT

Complaint narrative:
XX/XX/XXXX - Collections from Rash Curtis & Associates from XXXX, CA shows up on my credit report. I have never been contacted by these people. 

XX/XX/XXXX - I call them and request my account information. I give them my new mailing address and request a physical copy of my account information so that I can determine if the debt is mine. They also email me a file, but the email ZIP file is corrupted and doesn't open. They tell me over the phone that the debt is allegedly from XXXX XXXX XXXX, but I have lived out of state for nearly two years and nobody from XXXX XXXX XXXX ever contacted me despite having both my phone number and email address. 

XX/XX/XXXX - Nothing has come in the mail. I email client services and request a new emailed account information and ask about the status of my physical copy. They do not reply. 

XX/XX/XXXX - I call and ask about the status of my physical mail and they have not sent to the new address I gave them. They try to bully me into paying right then and there saying they have an EOB from an insurance company and give me the date of the care that allegedly happened. I say that I do not recall what insurance I was using at the time and that I want my physical copy of my account information. The representative hangs up on me. I call back and talk to somebody else. They pressure me to pay as well and send me another email attachment that doesn't open.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America is claiming that I owe them {$740.00} due to a " duplicate deposit. '' On XX/XX/2019 I made a mobile deposit that cleared my account. Over a week ago I was in the process of making another deposit and noticed my account was overdrawn. I tried contacting Bank of America by calling the XXXX number and was told I needed to visit the branch because they were not able to provide me with an explanation other than a duplicate deposit was made. I was finally able to obtain a local number and called them and they insisted I needed to come in. I took time off of work and met with a representative which is stating that the same check was deposited on XX/XX/XXXX and that XXXX XXXX XXXX ( issuer ) have retrieved this amount from BOA because this check had already been paid. My employer contacted XXXX XXXX and was told that this check was only claimed on XX/XX/XXXX and they do not have any record of the check being cashed twice. I relayed this information to BOA and they continue to fail to provide me proof that this check was credited twice to my account and thus justify this debit or chargeback on the XXXX. I did not receive this money twice, it does not appear as a credit or deposit twice and actually was just notified this week of the issue in writing by BOA after I expressed the concern. Now, I have automatic debits going into my account for which I am incurring overdrafts charges for because I refuse to deposit my payroll in this account. BOA continue to take my money without an explanation and/or correction of this error. My account was not credited twice for this amount nor does XXXX XXXX show that this check was " cashed '' twice. I have made multiple attempts and I have taken time off of work to address this with BOA to no avail. I respectfully request your assistance with this issue.

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