vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
There have been several hard inquiries that have shown on my credit report. I have not applied for anything in several months due to the fact I am trying to clear out my credit debts and raise my score to purchase a home this next year. There are companies that I don't even know who they are that are showing a hard inquiry on my account. My identity was stolen in 2016 and I now have to apply for a PIN every year to do my taxes. Please make sure these are removed as soon as possible. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: WA

Complaint narrative:
I opened a new XXXX XXXX credit card in XX/XX/XXXX and made few purchases. In XX/XX/XXXX account representative XXXX XXXX blocked my account without explanation. In conversation with me he said that I " don't use the account '' but my explanation that I use the account for purchases on XXXX wasn't considered an acceptable explanation. 

Right now the card is remaining blocked and I can not make purchases on the card. 

XXXX XXXX asked for additional information regarding me ( social security card, driver license and business license ) but he refuses to reactivate the account.

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 2018-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARS National Services, Inc.
State: TX

Complaint narrative:
My late husband ran up huge debts, some in his name, some in my name. He XXXX XXXX in XX/XX/2015. My was XXXX XXXX, according to Texas law. I am being threatened by ARS, a company in California, for a XXXX card. I did not use, and was not even aware of that card. Apparently, XXXX XXXX XXXX " dumped '' an overdue card of his own, probably an XXXX XXXX card, onto a card in my name. I wrote a letter explaining this to XXXX, when I discovered the debt on my credit report. Now, almost three years later, I received a letter from ARS, threatening me, if I do not pay them, for outstanding debt of that card. I have sent a letter to them, as well, with a more lengthy explanation, and other supporting documentation. I will attempt to attach a copy here, without the other attachments, but will supply those, as well, if necessary. The most important this is : THIS IS NOT MY DEBT. If I am sued, I will fight this. I never used that card. I am XXXX. I sold my house to pay off any debts that might have been mine. I do not own a car. I think these people will be ruthless, and I am afraid, because, as I said, THIS IS NOT MY DEBT, and I am in very poor health.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
To whom it may concern, This letter is to inform you that XXXX XXXX XXXX/Resurgent Capital Services have failed to validate a debt collection that is being reported on my credit reports. On XX/XX/XXXX I sent a letter via certified mail disputing a XXXX XXXX account in the amount of {$1200.00}. This letter stated, as per the FDCPA, I have the right to request a VALIDATION of this debt. This letter also requested that an original agreement with their client to collect on this account, an agreement that bears signature of the alleged debtor and a complete payment history is to be included in their response to VALIDATE this debt. And that non-compliance of this validation request will require their collection agency to cease collection activities and reporting the information to my credit report as per my rights under the FCRA. On XX/XX/XXXX I received a response from Resurgent Capital Services that did not include the requested information or ANY type of VALIDATION. Instead, they included some sort of account summary with an invalid name and my current address. I know for a fact the original address reported along with this collection is an address that I never resided at. Also, this original account was opened when I was underage, which is against XXXX XXXX ' [ original creditor ] policy. In conclusion, I would like to state that this account is in fact not a debt owed by me, and is being reported incorrectly on my credit reports which is seriously affecting my right to enjoy the benefits of good credit. Please address this issue immediately. As my rights have been violated as per the FDCPA as well as the FCRA and I may be forced to take legal action against Resurgent Capital Services and XXXX XXXX XXXX if this issue is not resolved. I have attached the appropriate documents pertaining to this complaint. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/XXXX I applied for a new XXXX XXXX personal card. I was approved. Later that month customer specialist XXXX XXXX blocked my card citing " verification purposes ''. 

Since XX/XX/XXXX XXXX XXXX asked for multiple pieces of information from me -- social security card, driver license, business license. All information was sent as requested. The account wasn't reopened and was closed on XX/XX/XXXX citing " violation of cardholder agreement '' however, there was no violation. 

I submitted a complain via CFPB about improper actions by XXXX XXXX requesting account to be reopened. The response was that I needed additional piece of information ( my social security card ) which I faxed again. The account wasn't reopened and customer representative couldn't cite the reason for it. The answer is same " unverified information '' however the bank can't say what information is needed. 

The bank refuses to honor cardholder agreement and refuses to explain their actions.

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 2018-03-12 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: FL

Complaint narrative:
I sent for credit report from all 3 major credit bureaus after receiving a notice from my auto insurance about my payment going up due to my credit report. I haven't purchased anything or applied for credit in years. Upon receipt of my credit reports I discovered that someone else has been obtaining credit cards, vehichles and apartments using my name. However on my credit reports, it listed more than one social security number which indeed wasn't mine, SEVERAL addresses in which not only have I never lived at, but also have never even been to, jobs that not only have I never worked at but also never heard of, my date of birth wrong and former names wrong. I have disputed open and closed accounts that were written off due to non payment to the credit bureaus as well as NUMEROUS inquiries for credit that I have NOT done nor even heard of most of them! I have filed police reports, been to my bank, went to my insurance agent, called some of the actual creditors, contacted Federal Trade Commission, contacted the XXXX XXXX XXXX XXXX who called me and told me to contact the Consumer Financial Protection Bureau, I still have to contact the Florida Division of Drivers License to put a flag on my drivers license. This whole ordeal has not only been stressful but time consuming with SEVERAL hours on the phone to creditors, banks, credit bureaus, etc. and emails, letters, and certified mail which is also costly. I just want to make sure I cover all of the bases in which I have been requested to do. I do believe by going through all of the proper channels and being diligent in getting this resolved and with my faith and trust in XXXX XXXX that this whole NIGHTMARE will be resolved. Any help or any assistance that your company or organization can offer will be greatly appreciated! I DO NOT have a bunch of credit cards I have not paid, I HAVE NOT lived in multiple places, I have lived at my current residence now for 17 YEARS!!! In that time, I have worked at one establisment which is no longer in business and I now am self employed and work from my home! In 17 years, I have applied for 2 vehichle loans and the last one was in 2007. I am not late on any of my current bills and haven't been in 17 years! I have 1 HOME and am making mortgage payments on it and I have 1 HUSBAND and is the only spouse that should be on my reports!!! I have 1 SOCIAL SECURITY number and in my name now and it hasn't changed for 17 years!!!! I just want all of my CORRECT information on my credit reports and for all of the other to be REMOVED!!! Sincerely,  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent for credit report from all 3 major credit bureaus after receiving a notice from my auto insurance about my payment going up due to my credit report. I haven't purchased anything or applied for credit in years. Upon receipt of my credit reports I discovered that someone else has been obtaining credit cards, vehichles and apartments using my name. However on my credit reports, it listed more than one social security number which indeed wasn't mine, SEVERAL addresses in which not only have I never lived at, but also have never even been to, jobs that not only have I never worked at but also never heard of, my date of birth wrong and former names wrong. I have disputed open and closed accounts that were written off due to non payment to the credit bureaus as well as NUMEROUS inquiries for credit that I have NOT done nor even heard of most of them! I have filed police reports, been to my bank, went to my insurance agent, called some of the actual creditors, contacted Federal Trade Commission, contacted the XXXX XXXX XXXX XXXX who called me and told me to contact the Consumer Financial Protection Bureau, I still have to contact the Florida Division of Drivers License to put a flag on my drivers license. This whole ordeal has not only been stressful but time consuming with SEVERAL hours on the phone to creditors, banks, credit bureaus, etc. and emails, letters, and certified mail which is also costly. I just want to make sure I cover all of the bases in which I have been requested to do. I do believe by going through all of the proper channels and being diligent in getting this resolved and with my faith and trust in XXXX XXXX that this whole NIGHTMARE will be resolved. Any help or any assistance that your company or organization can offer will be greatly appreciated! I DO NOT have a bunch of credit cards I have not paid, I HAVE NOT lived in multiple places, I have lived at my current residence now for 17 YEARS!!! In that time, I have worked at one establisment which is no longer in business and I now am self employed and work from my home! In 17 years, I have applied for 2 vehichle loans and the last one was in 2007. I am not late on any of my current bills and haven't been in 17 years! I have 1 HOME and am making mortgage payments on it and I have 1 HUSBAND and is the only spouse that should be on my reports!!! I have 1 SOCIAL SECURITY number and in my name now and it hasn't changed for 17 years!!!! I just want all of my CORRECT information on my credit reports and for all of the other to be REMOVED!!! Sincerely,  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/XXXX I applied for a new XXXX XXXX BUSINESS visa card. I was approved. Later that month customer specialist XXXX XXXX blocked my card citing " verification purposes ''. 

Since XX/XX/XXXX XXXX XXXX asked for multiple pieces of information from me -- social security card, driver license, business license. All information was sent as requested. The account wasn't reopened and was closed on XX/XX/XXXX citing " violation of cardholder agreement '' however, there was no violation. 

I submitted a complain via CFPB about improper actions by XXXX XXXX requesting account to be reopened. The response was that I needed additional piece of information ( my social security card ) which I faxed again. The account wasn't reopened and customer representative couldn't cite the reason for it. The answer is same " unverified information '' however the bank can't say what information is needed. 

The bank refuses to honor cardholder agreement and refuses to explain their actions.

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 2018-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Green & Sons Agency, Inc.
State: MD

Complaint narrative:
PLEASE RE SUBMIT TO XXXX THE REMOVAL ACCOUNTS ARE STILL ON MY CREDIT REPORT ACOUNT # XXXX FOR THE AMOUNT {$150.00} AND HAVE NOT BEEN REMOVED. ACCOUNTS OPENED UNDER MY NAME AS A RESULT OF IDENTITY THEFT. I SENT THE POLICE REPORT TO XXXX  AND NOW I AM SUBMITTING THIS FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Innovis
State: MO

Complaint narrative:
There have been several hard inquiries that have shown on my credit report. I have not applied for anything in several months due to the fact I am trying to clear out my credit debts and raise my score to purchase a home this next year. There are companies that I don't even know who they are that are showing a hard inquiry on my account. My identity was stolen in 2016 and I now have to apply for a PIN every year to do my taxes. Please make sure these are removed as soon as possible. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
There have been several hard inquiries that have shown on my credit report. I have not applied for anything in several months due to the fact I am trying to clear out my credit debts and raise my score to purchase a home this next year. There are companies that I don't even know who they are that are showing a hard inquiry on my account. My identity was stolen in 2016 and I now have to apply for a PIN every year to do my taxes. Please make sure these are removed as soon as possible. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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: TX

Complaint narrative:
I have sent multiple letters to the CRA and the Collection Agency for Validation of this Account that is being reported to the CRA on my credit report. Neither the credit bureau nor the Debt collection agency has made any attempt to send the legal Account validation or any correspondence regarding this account it has been over 30+ days since I have reached out to both and neither have sent anything responding with my contract in writing with the Debt collector. If I can not get any feedback by posting this complaint with the CRA or the debt collection agency I will be seeking legal action to have this matter taken care of.

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 2018-03-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have been going through Navient for my student loans for a few years. I have consolidated my loans so that I could try and start paying them. I am a single mother of XXXX children with no help from family or their dad. I have asked them about my options over and over and what would be best for my situation since I am not working and when I am I barely get by. The only solution they offered was the income based payment plan that still gains an extremely high amount of interest. I have received calls from the companies that say I can have most of my loans forgiven if I pay so much money for 3 months then I can get on a XXXX $ payment plan like the income based but it lasts 240 months and I have no job. Navient hasn't tried to help me pay back my loan only keep the interest building so I owe more money in the end. My loans are now up over XXXX $ and I'm afraid I will never be able to pay them off. I would love to go back to school and finish my education and be able to get a good job but with these loans I can't afford anymore and I can't make a life for my kids without a good job. I need to know how they get away with keeping poor people poor and making it to where they can't even do anything to make a better life. I thought these places are suppose to help people so we can get back on our feet and make a life worth living.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear Sir or Madam, I am writing you to report a total injustice of my credit report being pulled 18 times for one vehicle loan. I only gave XXXX XXXX permission to pull my credit on one occasion. I checked my report and it had been pulled a whopping 18 additional times plummeting my credit score to the 500 range. I did not authorize the below 18 inquiries.

Please place yourself in my shoes and stop this egregious practice from dealerships damaging consumers lives.

I am requesting that the 18 inquiries listed below be completely removed from my credit report within 30 days. I appreciate you assisting me in contacting the below 18 companies to have the hard inquiries removed from my credit. I have disputed this atrocity through credit bureaus with no results.

List of 18 companies below to be removed from my report : Automotive, XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX from XX/XX/XXXX + Automotive XXXX XXXX   Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX   Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX   Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX Please feel free to contact me with any questions or additional information at XXXX or XXXX. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Payment was made via phone on XX/XX/2018 and my payment was due on XX/XX/2018. The customer Wells Fargo service dept says the payment was scheduled the XX/XX/2018. Therefore the payment was late. I did not schedule the payment on the XX/XX/XXXX. Customers should not be charged late fees when a payment is made before the due date.

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