vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$400.00} XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXXXXXX {$5000.00}

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 2020-08-05 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: AL

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$1100.00} XXXX XXXX {$400.00} XXXX XXXX  XXXX {$1400.00XXXX XXXX XXXX {$5000.00}

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 2020-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called Citibank on XX/XX/2020 to try stop my automatic transfer from checking to savings account. I was put on hold for 30 minutes rep said he was going to be right back and got transferred to another agent. I already went through the verification already with first agent so I asked to supervisor regarding the matter he gets attitude saying I dont know how to do it on mobile app. I explained to him I have XXXX he gets attitude. I told him I am reporting you guys to cfpb and he hangs the phone up on 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 2020-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I have been sent to collections, Merchants and Professional Collections Bureau , Inc., over a {$300.00} bill that XXXX has denied three times. The reason for the denial, according to XXXX, is due to the XXXX XXXX not being certified with XXXX. On Tuesday, XXXX XXXX XXXX, I called and physically went to XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX former place of employment, to pick up all of my medical  records from the XX/XX/XXXX XXXX. XXXX XXXX was the XXXX  for my case and requested the XXXX  XXXX. I was not advised of the potential of having a XXXX XXXX and therefore was not given the opportunity to allow or deny this part of the XXXX. After thorough examination of the records I have received regarding my case, I can find no consent form for the XXXX XXXX from XXXX  XXXX XXXX   XXXX  in my records. I spoke with XXXX, XXXX Billing Director, regarding this case and she stated that I received all paperwork corresponding to this XXXX. She also stated that since the XXXX  XXXX  was not covered by XXXX  that the XXXX XXXX  should have been paid through XXXX XXXX XXXX agreement for payment from XXXX. I take any financial issues seriously and I have spoken to and been advised by a lawyer who stated I should not have been billed as the XXXX should have been vetted through XXXX XXXX prior to the XXXX. The failure of XXXX XXXX and your company to verify coverage before the XXXX  XXXX  took part in my XXXX  has further complicated by the fact that there is no record of my consent to this part of the XXXX. This matter is made even more difficult due to the fact that almost three years have passed, XXXX XXXX no longer practices with XXXX, and the billing director was not at XXXX  when this XXXX  took place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, Georgia XXXX Loan Number : XXXX Re : Hardship/ Payoff XXXX XXXX XXXX XXXX XX/XX/XXXX &XX/XX/XXXXTo  whom it may concern : I would like to say first ; thank you for reading this letter. 

Im nearly XXXX years old and unemployed. I wanted to reach out to Management and explain my situation. Im divorced from the co-borrower, I have no children, and have been on XXXX for the past 11 years, basically, trying to make ends meet with my only 1 source of income now. 

Ive had to move in with a friend. I asked friends and family for help to pay off this car. However, due to the COVID-19 virus, as we know, people are losing their jobs daily. The maximum I can get from friends/family is {$3000.00} ... 

If agreed, kindly mail me an agreed pay-off letter to the address above ( XXXX XXXX ) and I will have a Cashiers Check to be sent to you immediately, then my title for the car to proceed thereafter. 

Im humbly begging, pleading with BBVA/Compass Bank to accept a settlement of {$3000.00} to settle this car. 

I received a call from XXXX on XX/XX/XXXX. She lied to me and stated we dont do settlements, but I can give you some other options. I advised her prior to my sickness, I was a XXXX XXXX and XXXX and Im quite familiar with what can and can not be done. I also advised her I was going to file a complaint and reach out to the Corporate office directly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: TX

Complaint narrative:
Have twice now disputed an incorrect missed payment to Experian regarding a car I traded in in XX/XX/XXXX. My credit report states that I missed a payment in XX/XX/XXXX. I have provided them with proof of the trade in date and they are claiming my documents don't meet their standards. The document provided is the receipt of trade in/ purchase of a new car given to me by the XXXX XXXX with the visible date of XX/XX/XXXX. It is impossible for me to have missed a payment on XX/XX/XXXX. The car was XXXX 's and I was no longer responsible. I honestly don't know what else I could give to them to show them I did not miss a payment.

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 2020-08-05 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: IL

Complaint narrative:
Experian and XXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are not mine.

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 2020-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I send a FTC report to all three major credit bureaus on the XXXX of XXXX letting them know I have been a victim of identity theft. The unauthorized Account still remain on my credit company name XXXX XXXX amount {$190.00} date of charge off XX/XX/XXXX XXXX XXXX XXXX XXXX amount {$870.00} date of charge off XX/XX/XXXX XXXX XXXX XXXX amount {$450.00} charge off date XX/XX/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 2020-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX ( auto financing ) was included in my chapter XXXX bankruptcy filing. They were paid in full ( 100 % ) by my trustee employed by The Ohio XXXX District ( XXXX Ohio ) Federal Bankruptcy Court. 
The Chapter XXXX Bankruptcy has been successfully discharged. They continue to report on my Transunion credit report as this account being " open '' after attempts by myself thru the online dispute option. I have plenty of documentation showing they were my auto finance company, they were paid in full thru the Ohio Federal Bankruptcy Court, and that they were notified and informed of the completion and closure of the case by the courts.

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 2020-08-05 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$23000.00} XXXX XXXX   XXXX {$190.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XX/XX/2020, Received my monthly statement from Lowe 's home center as administrated by SynchronXXXX Bank with a balance of {$8800.00} before a payment of {$350.00}. I then called Customer service ( XXXX ) for a pay off amount and was told that amount was {$7800.00} if the payment was received by XX/XX/2020. I then asked if payment could be made in two payments and it was agreed, I made payment one with my personal check # XXXX for {$2800.00} payment two by proceeds of a loan of {$5000.00} from my bank transfered electronically all before the deadline date. 
I assumed that payoff was on time and complete for Lowe 's special finance program, again I received the XXXX statement and it showed a new balance of {$11000.00}. Called customer service again and was told that it would take up to three billing periods to show a corrected statement. Assumed that the account was settled and made no further payments. 
Received XX/XX/2020 statement and it showed an oustanding balance of {$3900.00} again called customer service and was assured that a correction was in order, while the clerk I spoke with was very pleasant she had to bring the matter to superiors. 
Received current statement showing a payment arrears of {$380.00} and a Balance of {$4000.00}, called customer service again and discused the repeteing problem and was put on hold so clerk could review problem with superiors and after a considerable wait time was disconnected. 
It appears that this is an attempt at profiteering on the part of Syncrhrony management.

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 2020-08-05 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: TX

Complaint narrative:
Have twice now disputed an incorrect missed payment to XXXX   regarding a car I traded in in XX/XX/XXXX. My credit report states that I missed a payment in XX/XX/XXXX. I have provided them with proof of the trade in date and they are claiming my documents don't meet their standards. The document provided is the receipt of trade in/ purchase of a new car given to me by the XXXX XXXX with the visible date of XX/XX/XXXX. It is impossible for me to have missed a payment on XX/XX/XXXX. The car was XXXX XXXX and I was no longer responsible. I honestly don't know what else I could give to them to show them I did not miss a payment.

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 2020-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$23000.00} XXXX XXXX   XXXX {$190.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2020-08-05 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$23000.00} XXXX XXXX   XXXX {$190.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2020-08-05 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXXXXXX XXXX {$170.00} XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX {$510.00} XXXXXXXX XXXX  XXXX {$100.00} XXXX XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX {$93.00} XXXX XXXX XXXX {$540.00} XXXX  XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AL

Complaint narrative:
IM trying to set up an invoice system with XXXX XXXX and I need them to have access to accept payments and then transfer those payments to my PNC account. Can you please authorize XXXX XXXX to doing those transfers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX XXXX {$11000.00} XXXX   XXXX XXXX {$2000.00} XXXX XXXX XXXX {$760.00} XXXX  XXXX {$790.00}

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 2020-08-05 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: AR

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX XXXX {$11000.00} XXXX   XXXX XXXX {$2000.00} XXXX XXXX XXXX {$760.00} XXXX  XXXX {$790.00}

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 2020-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX  XXXX XXXX {$170.00} XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX {$510.00} XXXX XXXX XXXXXXXX {$100.00} XXXX XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX {$93.00} XXXX XXXX XXXX {$540.00} XXXX XXXX  XXXX {$220.00} XXXX  XXXX XXXX XXXX {$2000.00}

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 2020-08-05 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: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX  XXXX XXXX {$170.00} XXXX  XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX {$510.00} XXXX XXXX XXXXXXXX {$100.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXXXXXX {$440.00} XXXX XXXX {$93.00} XXXX XXXX XXXX {$540.00} XXXX XXXXXXXX XXXX {$220.00} XXXX XXXXXXXX XXXX XXXX {$2000.00}

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