vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XXXX XXXX my driver license, my social security, my passport, and other personal items including my husband documents were stolen. At that time my credit history was starting, so when I reported to the credit bureaus they put an alert for 6 months. 
On XX/XX/XXXX somebody got a credit card from Discover, using my identity. 
I discovered that on XX/XX/XXXX when I downloaded the App XXXX. 
Since that date I have been trying to remove this false account directly with Discover, but have been impossible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Social Finance, Inc.
State: MD

Complaint narrative:
SoFi lending pulled my credit report and and offered me a refinancing option for my student loan. After weeks of back and forth they approved my refinance loan. Then out of nowhere after providing many and many document their loan officer withdrew my application without my consent. I called and asked to speak to their management team. I spoke to XXXX XXXX who seemed to try to help me. She ensured me that they will not be pulling my report twice. Still sofi pulled my credit report again within my consent or permission and after another round of weeks of asking for documents have denied my application. Their initial loan officer who withdrew my application without my consent was very discriminative towards me. She never responded to me when I asked. She made a comment about me having an accent and she withdrew my application without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I bought a ring and got financing through XXXX XXXX XXXX XXXX. I spend over {$3000.00} for the ring and was told I would get promotional financing which is 14.99 percent apr low for 36 months and told by the associate I would receive. It was a while till I realize I'm getting a finance charge every month! I called comenity bank who issues the card and filed a dispute and after they stated it was correct. Never get financing through XXXX  they're deceptive and liars

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-11 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I received a notice from Chase that there was a purchase on my card on XX/XX/2020 at XXXX XXXX XXXX DC in the amount of {$1000.00}. Chase asked me if this was my purchase via text and email. I told them I did not make this purchase. I locked my card and Chase sent me a new card. 

On XX/XX/2020, Chase posted a {$850.00} " adjustment '' to my account with the transaction date of XX/XX/2020. There is no feature to dispute this adjustment, no method to securely contact Chase, and Chase has no one working its fraud telephone number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I was sent to collections by a medical office for debt that was paid. In XXXX of XXXX I had applied to refinance my mortgage. I was surprised to learn that I had been sent to collections for what was then an amount of {$120.00}. This was surprising to me as the dates of service in question had come well before I had stopped going that that office for ongoing issue. My visits to that office continued through XXXX of XXXX, and not once was I told I was not current, and would pay any balances that I was told upon each visit. 

I spoke to the billing office on XX/XX/XXXX at XXXX. During that conversation the billing office could not find any balances that I owed, agreed with that they had been paid in full and that there was no outstanding amounts. They also verified they had received my payments on the dates my records show as being made. I was told I would get a letter directly from the Doctors office showing all debts had been paid, and that they would discuss it with the debt collector to remove it. I never received the letter and called back on XX/XX/XXXX, to follow up. I was told that I would have the letter emailed to me that week. It never came. 

I also sent a letter via certified mail to the debt collector, explaining it was reported in error. That letter was sent on XX/XX/XXXX as well, with proof of payment via credit card statements. 

1 month later I received a letter from the debt collector saying that new dates of service in question had changed. That while I had paid all debts, the dates I had paid were later dates. They now had a bill from 3 years prior, date of service of XX/XX/XXXX ( which again no one had ever asked me to pay ) and a date of service of XX/XX/XXXX. This was very confusing because the bill that I had been given dated XX/XX/XXXX, showed every thing was current and the amount owed of {$110.00} was paid via my next visit to the office in person. I have the credit card receipts to prove it. In addition the date of service of XX/XX/XXXX was not even on the bill that showed everything was current. 

In summary, I have a bill dated XX/XX/XXXX, that shows all my charges are current. A credit card receipt showing payment made in full on XX/XX/XXXX, for all charges on the bill. The doctors office acknowledged the payment was made. Yet I am sent to collections in XX/XX/XXXX, for a bill that was paid in full and never shown as past due. 

I had sent all this documentation to the debt collector twice. Yet they still refuse to remove it from my credit report, which is hurting my ability to get credit and my overall credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax reports " There is a serious delinquency on my credit report '' For two years I have been trying to get a correction, I have never missed or been late with any account, Equifax just ignores my efforts to get a correction. All my accounts have perfect pmt records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-05-11 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: AR

Complaint narrative:
I recently reached out to the credit bureaus in regards to several fraudulent accounts being reported on my credit file. I completed and submitted an identity theft report which included XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX for some reason still remain on my credit file. I have yet to receive and correspondence or documentation since from Transunion, XXXX, XXXX XXXX, XXXX XXXX XXXX, or XXXX. Report # XXXX also included addresses, names, and inquiries that were never initiated by me as well. Under the Fair Credit Reporting Act neither Transunion, XXXX, or XXXX  has provided accurate verification and should remove the fraudulent accounts immediately. Neither XXXX XXXX   XXXX  or XXXX XXXX has provided any initial 5 day communication has violates the Fair Debt Collection Practice by continuing to report fraud related accounts.

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 2020-05-11 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:
In the Spring of 2019, I was forced to abruptly move from my apartment due to an a series of unexpected health setbacks. During my tenancy, my utilities ( electricity and gas ) provider was XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). During my transition to a new home, XXXX was absorbed absorbed by another power company, XXXX XXXX. 

While tying up loose financial strings after the move, I noticed that both companies, XXXX XXXX XXXX and XXXX, and XXXX XXXX, were reporting on my credit that I owed a past-due balance in the amount of {$180.00}. I immediately logged onto the the website of XXXX XXXX XXXX and made a payment using my previously established credentials. 

At the same time, I filed a dispute with the Equifax Credit Bureau notifying them that the utilities account was listed twice -- once under each company. I mistakenly assumed that the duplicate listing was an oversite that would easily be corrected. I was dismayed when I received the updated results keeping both tradelines on my credit report. This updated reporting seems to be a willful and malicious violation of the FCRA. The current reporting makes it seem like I have two separate derogatory accounts with this company. I would like this taken care of as soon as possible and and I will contact everyone I am able to, including the South Carolina Attorney General, to get this satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
Sentry Recovery & Collections are falsely reporting debt for an apartment that I never lived at which is now hindering my ability to move because it shows an eviction status. According to XXXX XXXX it was from an apartment called XXXX XXXX XXXX XXXX for a short time in XXXX for a total of {$980.00}. I do not know who Sentry Recovery & Collections or the company that they are representing. There is no way possible I had those two places at the same time. My identity was stolen. I tried to contact the company directly multiple times by showing proof of where I had my utilities installed to show verification.

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 2020-05-11 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: AR

Complaint narrative:
I recently reached out to the credit bureaus in regards to several fraudulent accounts being reported on my credit file. I completed and submitted an identity theft report which included XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX for some reason still remain on my credit file. I have yet to receive and correspondence or documentation since from XXXX, Equifax, XXXX XXXX, XXXX XXXX XXXX, or XXXX. Report # XXXX also included addresses, names, and inquiries that were never initiated by me as well. Under the Fair Credit Reporting Act neither XXXX, Equifax, or XXXX  has provided accurate verification and should remove the fraudulent accounts immediately. Neither XXXX XXXX XXXX or XXXX XXXX has provided any initial 5 day communication has violates the Fair Debt Collection Practice by continuing to report fraud related accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: AR

Complaint narrative:
I recently reached out to the credit bureaus in regards to several fraudulent accounts being reported on my credit file. I completed and submitted an identity theft report which included XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX for some reason still remain on my credit file. I have yet to receive and correspondence or documentation since from XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, or Experian. Report # XXXX also included addresses, names, and inquiries that were never initiated by me as well. Under the Fair Credit Reporting Act neither XXXX, XXXX, or Experian has provided accurate verification and should remove the fraudulent accounts immediately. Neither XXXX XXXX XXXX or XXXX XXXX has provided any initial 5 day communication has violates the Fair Debt Collection Practice by continuing to report fraud related accounts.

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 2020-05-11 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: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I recently reached out to the credit bureaus in regards to several fraudulent accounts being reported on my credit file. I completed and submitted an identity theft report which included LVNV Funding, XXXX XXXX, and XXXX XXXX XXXX for some reason still remain on my credit file. I have yet to receive and correspondence or documentation since from XXXX, XXXX, LVNV Funding, XXXX XXXX XXXX, or XXXX. Report # XXXX also included addresses, names, and inquiries that were never initiated by me as well. Under the Fair Credit Reporting Act neither XXXX, XXXX, or XXXX  has provided accurate verification and should remove the fraudulent accounts immediately. Neither XXXX XXXX XXXX or LVNV Funding has provided any initial 5 day communication has violates the Fair Debt Collection Practice by continuing to report fraud related accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
Medical Data Systems/Medical Revenue Services,  XXXX, FL, attached a debt of {$1300.00} to my credit report for a debt owed to XXXX XXXX XXXX, Tx by my XXXX yr old daughter, whom I had no contact with from XXXX, and lived XXXX miles away in XXXX Texas XXXX since XXXX. 

Services were performed XX/XX/XXXX and I never received a bill or statement from XXXX XXXX XXXX. I did not know it existed. 

In XX/XX/XXXX, I received a collection letter from Medical Data Systems, XXXX, FL aka Medical Revenue Service. 
I called them when I received the collection letter in XX/XX/XXXX and spoke with an agent that said she would verify the dispute with XXXX XXXX XXXX. I never heard back from her. Repeated attempts got nowhere. 

In XX/XX/XXXX, I opened a notification from XXXX Credit Reporting and Medical Data Systems aka Medical Revenue Services had attached the debt to my credit report as a negative debt. That was pretty bold of them, and since I am married to a XXXX XXXX  of a XXXX XXXX agency myself, I know my consumer rights. To put their company in that position is extremely unwise. I called one of our favorite attorneys who specializes in these matters for my husband 's employer and indeed, was advised that I have been violated once they reported it to the credit bureaus. 

I disputed with XXXX twice, whom doesn't even have my birth year correct. Whatever they " investigated '' wasn't much and insists the bill is " relevant ''. It isn't relevant to me at all. I was never there and this is an adult child who is very capable of paying her own bills. 

I will also be filing a formal complaint against XXXX  as well since they can not prove the bill is mine, but I have proof that it isn't. 

Now that Medical Data Systems aka Medical Revenue Service has attached a bill that has nothing to do with me, nor was signed or authorized by me in any way, with full proof of my location XXXX miles away, on XXXX XXXX Location and a GPS app, I have been violated under the FDCPA and have retained an attorney to sue for damages. 

My daughter is an adult, insured by my ex husband through XXXX XXXX, XXXX XXXX and she is not my responsibility. 

I have also made a formal complaint against Medical Data Systems aka Medical Revenue Services, XXXX FL, with the Texas Attorney General, XXXX XXXX 's office. 

My attorney is : XXXX XXXX XXXX XXXX XXXX  XXXX, MD

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 2020-05-11 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: AR

Complaint narrative:
It has been nearly three months since I first reached out to XXXX, XXXX, and Transunion about fraudulent activity pertaining to credit file. I have sent XXXX, XXXX, and Transunion several pieces of supporting documentation to validate my claim. I still have the same fraudulent addresses reporting on Transunion, XXXX, and XXXX   after I specifically sent a notarized request asking them to be removed. Several inquiries still remain on my XXXX, XXXX, and Transunion report. I submitted an report from the Federal Trade Commission which included all of the accounts in question. XXXX  recently sent me a response requesting that I send in a copy of my drivers license, social security card, etc for identity purpose. I was sure to include all of those documents with my initial dispute and after speaking with a representative I was informed those documents had been received which makes this letter or automated response inaccurate. My rights under the Fair Credit Reporting Act have and continue to be violated and the bureaus must be held accountable per section 605, 609, and 611.  Accounts XXXX   XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX were never established or opened by me and are the direct result of identity fraud and or theft.

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 2020-05-11 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: AR

Complaint narrative:
It has been nearly three months since I first reached out to XXXX, Equifax, and XXXX  about fraudulent activity pertaining to credit file. I have sent XXXX, Equifax, and XXXX  several pieces of supporting documentation to validate my claim. I still have the same fraudulent addresses reporting on XXXX, Equifax, and XXXX   after I specifically sent a notarized request asking them to be removed. Several inquiries still remain on my Equifax, XXXX, and XXXX   report. I submitted an report from the Federal Trade Commission which included all of the accounts in question. XXXX  recently sent me a response requesting that I send in a copy of my drivers license, social security card, etc for identity purpose. I was sure to include all of those documents with my initial dispute and after speaking with a representative I was informed those documents had been received which makes this letter or automated response inaccurate. My rights under the Fair Credit Reporting Act have and continue to be violated and the bureaus must be held accountable per section 605, 609, and 611. Accounts XXXX   XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX were never established or opened by me and are the direct result of identity fraud and or theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: AR

Complaint narrative:
It has been nearly three months since I first reached out to Experian, XXXX, and XXXX  about fraudulent activity pertaining to credit file. I have sent Experian, XXXX, and XXXX  several pieces of supporting documentation to validate my claim. I still have the same fraudulent addresses reporting on XXXX, XXXX, and Experian after I specifically sent a notarized request asking them to be removed. Several inquiries still remain on my XXXX, Experian, and XXXX   report. I submitted an report from the Federal Trade Commission which included all of the accounts in question. Experian recently sent me a response requesting that I send in a copy of my drivers license, social security card, etc for identity purpose. I was sure to include all of those documents with my initial dispute and after speaking with a representative I was informed those documents had been received which makes this letter or automated response inaccurate. My rights under the Fair Credit Reporting Act have and continue to be violated and the bureaus must be held accountable per section 605, 609, and 611. Accounts XXXX   XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX were never established or opened by me and are the direct result of identity fraud and or theft.

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