vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Consumer Recovery Solutions, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX I received a phone call stating that a XXXX XXXX had received my file via fax and she was going to serve me court papers on Friday XX/XX/XXXX. They also left this same voicemail with my name on three other peoples phone. I called the number back and spoke with a guy who said I owed XXXX from XXXX. He said it was for a bank account and I asked him to send me information on what I owed. He said the only way I could see that is if I didn't pay and got sued. Then I could ask for it from the Judge. I told him I would not pay this without seeing what the charges were for. They have called me 2 more times today.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-05 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian reduced my score over the course of 1 month ( report dated XX/XX/XXXX to report dated XX/XX/XXXX ) by 52 points ( XXXX to XXXX ). I called and asked why this happened so suddenly, considering that there was very little change in my credit profile from month to month. There have only been minor changes to my credit profile including closing 1 account and a reduction in my overall debt by {$400.00} and an inquiry for a mortgage pre-qualification. I do not consider a 52 point reduction for these items as an appropriate image of my credit, especially when my wife and I are in the process of buying a house. In comparison, my wife, who has had less overall credit history, has a score much higher than mine, so the factors Experian presented to me as potential negative factors are not logical or consistent. Please advise on how action can be taken against Experian to correct 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 explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: C & M Associates Group, Inc.
State: AZ

Complaint narrative:
At XXXX PST on XX/XX/19, " XXXX XXXX XXXX with XXXX , XXXX , and XXXX  threatened to take legal action against me for a XXXX debt that does not belong to me. Would not give me any information, and hung up on me twice. Stated " there was a claim out against my social security number and they would pursue against me ''. I have never owned a XXXX card in my life. This is a fictitious debt that I have already taken legal action over in the past. I will do it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: MI

Complaint narrative:
XX/XX/2019 XX/XX/2019 XX/XX/2019 Transunion has been practicing illegal tactics against me and its effectively slowing down my well being. They are reporting a bankruptcy/public record on my credit report. They are using third party companies to report this information. Which is illegal. I have been asking for a METHOD of verification and they will not provide me with any accuracy of information Ive asked of them. I have a letter from the the Michigan bankruptcy court stating that they DO NOT provide credit bureaus with such information or third party credit reporting agencies. My XXXX report is also saying thats theres no bankruptcy reporting. Please make them remove this bankruptcy public record and all accounts included. 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 2019-06-05 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
CYBER CRIME : In the summer of XXXX, I was a victim of Identity Theft. PayPal ended up enrolling me without knowing how or why, I was enrolled, only to discover unexpectedly I actually had an account opened for me. In XX/XX/XXXX, I received a bill from PayPal alleging I owed {$7.00} for an XXXX ride. I contacted them and disputed the bill. They investigated and alleged the bill was truly mine. I never signed up for this PayPal Credit, given them any info, and now have a balance in my name and in collections. I did not open this account, nor should my name be any part of it. I demanded PayPal close the account as it was fraudulent. In XX/XX/XXXX, I received another bill. I called PayPal again and disputed the bill again informing them again that I was a victim of Identity Theft. I was asked to file a police report which I did. The report was faxed to XXXX on XX/XX/XXXX. On or about XX/XX/XXXX, I received another bill from PayPal. I have been trying for months to have them resolve this. It is impossible to use their ticketing system, their phone operators are useless and rude, and it has been a total nightmare to remove this credit account from my name. I was told to fax the report, that it would be resolved in 3-5 business days. No resolution. I have gotten nothing but bills. You would think this company would be proactive about fixing their mistakes. Besides the effort and lack of communication, the worst part of this, is that the lender they are reporting I owe the money too has no record of this debt/credit account! Synchrony corrected the other accounts that were fraudulently affected by this theft but PayPal refuses to solve this issue. Had they completed an accurate investigation, this matter would have been resolved a long time ago. I will be seeking compensation due to their negligence. Payments have never been made as this is a fraudulent account. The Customer Service representative erroneously read notes to me while on the phone that " someone '' has been calling in to make payment arrangements yet they will not disclose info to 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 non-monetary relief
Consumer complaint received 2019-06-05 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: ID Analytics, Inc.
State: WA

Complaint narrative:
This is in regards to a company called SageStream , LLC. My credit score is XXXX and my XXXX is XXXX yet they report we have serious delinquencys and other false claims! We can't have excellent credit and have the things they are claiming! I have seen so many complaints about them! They need to be stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: TX

Complaint narrative:
I been dealing with the credit bureaus for months now I have sent in all the documents that have ask me to send in to prov that i was a victim of identity theft.The accounts are still on my credit I would like for them to come off

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 2019-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TIDEWATER FINANCE COMPANY, INC.
State: AL

Complaint narrative:
Tidewater Finance has continue to report this to the credit reporting agencies stating that i owe them this debt for a credit card from XXXX XXXX XXXX which i have never received no card nor furniture from them. I have sent in validation letters to show proof of this debt, police report, affidavits, and proof of supporting documents for myself but they have responded that everything matches and that this is my debt which it is not. I have been a victim of identity theft since 2016 and have notified the CRA about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: KY

Complaint narrative:
In XXXX I got my credit report online and realized XXXX, XXXX  and Trans Union are all reporting the same account twice. Once for the Original creditor ( XXXX Bank ) and once for the Collection Company ( XXXX XXXX XXXX ). I am aware that no account should be reported twice or duplicated on my credit report. 

On XX/XX/XXXX I mailed my dispute notifying each of them of this error. When my online account updated on XX/XX/XXXX, I see that both accounts are still reporting.

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 2019-06-05 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: KY

Complaint narrative:
In XXXX I got my credit report online and realized XXXX, Experian and XXXX XXXX are all reporting the same account twice. Once for the Original creditor ( XXXX XXXX ) and once for the XXXX XXXX ( XXXX XXXX XXXX ). I am aware that no account should be reported twice or duplicated on my credit report. 

On XX/XX/XXXX I mailed my dispute notifying each of them of this error. When my online account updated on XX/XX/XXXX, I see that both accounts are still reporting.

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 2019-06-05 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: OR

Complaint narrative:
I applied for XXXX XXXX 's pre-approval on their website, which clearly states " Checking your rate won't impact your credit score ''. I was given an approval of {$1500.00} at 100 % interest and decided not to move forward. 

On XX/XX/2019 I contacted XXXX phone support ( XXXX ) XXXX to find out how to cancel the Better Cash pre-approval I had received so that I could take out my XXXX XXXX {$500.00}, no credit check loan. 

( XXXX XXXX & XXXX XXXX are apparently the same company and you can't have a pre-approval with XXXX XXXX and get the no-credit check loan with XXXX unless you cancel the pre-approval. ) If they listen to the phone call recording for my account at XXXX Pacific on XX/XX/2019, theyll hear that the representative at no time warned me that by going through the application process to Decline and Cancel the XXXX XXXX loan offer, would I incur a hard credit inquiry. 

She consistently told me to continue clicking through the options, not to bother reading anything ( as it wouldnt apply ) until I got to the option to decline the offer. 

HOWEVER, after clicking through the options, and finally getting to the page that offered the Decline button, I began receiving notices from XXXX XXXX and other similar services I use to monitor my credit, that XXXX XXXX DID IN FACT check my credit report with a hard inquiry.

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 2019-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter to XXXX/ transunion/ XXXX/ XXXX XXXX XXXX/XXXX XXXX XXXX/ XXXX  XXXX/ XXXX/ XXXX XXXX on XX/XX/2018 requesting to remove the inaccurate accounts of my credit report. amounts are XXXX XXXX and 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 2019-06-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter to experian/ XXXX/ XXXX/ XXXX XXXXXXXX XXXX/XXXX XXXX XXXX/ XXXX XXXX/ XXXX/ XXXXXXXX XXXX on XX/XX/2018 requesting to remove the inaccurate accounts of my credit report. amounts are XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2019-06-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hi i requested a dispute on XX/XX/XXXX for services i paid for but were not provided to me. 

On XX/XX/XXXX and after calling several times on XX/XX/XXXX, Wells Fargo bank said there is no way they can help me with a dispute because the transaction was done with XXXX and they don't have any dispute rights and to call XXXX. 

I called XXXX and they said is incorrect, this is their response : " I fear Wells Fargo is mistaken : If the funds were taken from your bank account, you have the ability to dispute those charges with your bank. If you file a dispute with your card-issuing bank, XXXX will work with them as they decide the dispute. Disputing a charge on your statement is within your right as a cardholder. '' " I am really sorry for the experience you are having with your bank. They can and should be willing to help you begin the Dispute process. '' " At this point, XXXX will work with your bank to resolve the dispute. " I again called the bank, i have done that several times and explained to them that they are violating my rights and they just dont care, they said they dont have dispute rights. 

I was a victim of a fraud, i need the wells fargo bank to help me with this and i need your help

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 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Performance Settlement, LLC
State: CA

Complaint narrative:
I begin using Performance Settlement in XX/XX/2016 in which they promised to dispute wrong information, to settle debts, and increase my credit score. The company never settled any debt and they never increase my score. They took {$5600.00} and no debt were settled as promised and they offered to give me a loan for {$2400.00} to take an advance which is illegal in California. The company never disclose everything they were trying to settle were charged off and it would not increase my score but might hurt my score. They were suppose to save the money in an account until it was enough to settle. When asked how much was in account was {$1.00}. A refund was requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: NJ

Complaint narrative:
Please see CFPB Compliant ID XXXX and my response : I did not get satisfaction nor were anyone from XXXX XXXX XXXX ever available to take my calls or to return them. I want the CFPB to see the response from XXXX XXXX XXXX and note under the bullet points, XXXX XXXX of XXXX XXXX XXXX states : " Your Chapter XXXX  statement of intent lists XXXX as 'retain and pay ' ''. I did this and I paid off the carload early which should have been reported to all the credit bureaus. I was never late in paying off the loan and in fact, paid it off months early. If I had not paid it off, XXXX would have repossessed the car. The fact that I told them I was keeping it and acknowledged the debt by paying for it ahead of the the XXXX  month requirement is evidence enough that I should have a positive report off this on my credit report and I ask that the CFPB INSIST AND REQUIRE XXXX TO LIST THIS POSITIVE CAR PAYOFF ON MY CREDIT REPORTS.

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 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: First Data Corporation
State: CA

Complaint narrative:
I attempted to pay for food items at XXXX XXXX in XXXX California on XX/XX/19 for $ XXXX.They ran the check through Telecheck who declined the check do to possible fraud.I then phoned Telecheck at ( XXXX ) XXXX at was told that they declined my check because their system had no information on me and that I had not written a check to this merchant since XX/XX/2019.This made no sense to me and I then talked to a supervisor who told me the same thing. I then told the Telecheck supervisor that this checking account has been open since XX/XX/XXXX and has an average balance of {$5000.00} and that we write over 300 checks per year.She could not give me any other answer other then their systems algorithm reconized my {$42.00} check as a possible fraud. She further stated that now that I had given Telecheck   my name ( and spouse ), mailing address and telephone number this decline should not happen again, but only after seven days which their system needed to refresh.I have always known Telecheck as a negative date base for bank accounts that merchants could use to cut down on bad checks.It now appears that they decline checks without any negative report of an issue in order to have people give them their personal information.My hunch is that they then market this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: I.C. System, Inc.
State: TX

Complaint narrative:
I C system is a collection for XXXX XXXX.I lived in XXXX, texas XXXX XX/XX/2016 I XXXX with XXXX and moved to XXXX, texas this is my present home.upon moving here in XX/XX/2016 XXXX XXXX was NOT available in my location!!! I then called the cable company and had cable tv installed.I am on a collection {$320.00} for not continuing my service with XXXX??!! I had this collection removed from my credit report two years ago but now I C Systems a new collection company once again placed this derogatory information in 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 2019-06-05 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I tried today from transunion and XXXX to get my credit report.They tell me my information is incorrect or there are some kind of technical difficulties. I have not been able to get my credit score or a report for about 5 years. I want to see what debt I owe and what my score is but I can not obtain the information. I have tried every year and they continue to tell me something is in error. Please help me get my information it is my legal right. 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 2019-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections
State: WA

Complaint narrative:
I have never received notification of debt from original creditor. My first alert was the hit to my credit report. All I have ever received from debt collector were cryptic phone messages which said they could not discuss matter over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Ditech bought out my mortgage from XXXX XXXX which was later bougth out by XXXX XXXX. It shows I have 2 open mortgages and my credit card companies are lowering my credit or closing my accounts. I called and emailed Ditech and I have gotten no answer. This needs to be removed quickly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation