vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
Have written National Credit System about the debt they are trying to collect I did not live in this apartment after the XX/XX/XXXX I am being charged for 6 days in XXXX for rent along with water, sewer, and trash, and pest control and 2 months of break lease fees totaling {$1300.00} The apartment was rented by someone else in XX/XX/XXXX. 
I sent a copy of where I had the lights turned off on XX/XX/XXXX I personally went in to the office and gave the assistant manager the keys to the apartment on the XX/XX/XXXX I received a letter stating that if I do not pay they have the option of garnish my wages, level my bank account, put a lien on my property and have reported me to the 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: NY

Complaint narrative:
I guess someone got hold of my information and opened up an account with this company by the name of XXXX XXXX, which I knows nothing about. Because I never opened that 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 2020-04-29 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 informed by my car salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to shoe me my report and there was a list of items that are not mine. Please remove these items from my report as soon as possible.

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 2020-04-29 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 informed by my car salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to shoe me my report and there was a list of items that are not mine. Please remove these items from my report as soon as possible.

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 2020-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I am trying to verify my PNC account with this account so I may transfer funds and save money in this account. 
It seems I am unable to due to some rule you have in place. 
Is there a way to " allow '' this account access?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX XXXX called me everyday for months. They would call and ask me for personal information. I did not want to give them my SSN, birthdate or anything else. I offered to verify what they have. I also asked for a written notification. Instead they hung up and called back every day and did the same thing. They also repeatedly called my office phone without permission and any records they bought would have a do not call work on file. They must have looked up my new employer. 

When I finally received a letter, I called to make arrangements on XX/XX/2020. The agent I spoke with offered a settlement of one payment of {$700.00}. I agreed to a payment on XX/XX/2020. This is recorded. The agent instead, processed an immediate payment on XX/XX/2020 and scheduled a second payment of {$700.00} for XX/XX/2020 for a total of {$1400.00} and not the {$700.00} of the agreement. 

I called the next day to explain the payment had been processed sooner than I agreed. The representative informed me she would refund the {$700.00} and mark my credit that I failed to comply with a negotiated settlement even though she clearly understood her company had misrepresented the situation. I asked for another agreement in writing this time and was told it is their business practice not to offer any agreements in writing until AFTER the payments are made. 

This type of company is the reason consumer protections had to be created in the first place.

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 2020-04-29 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: GA

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX  XXXX {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: OH

Complaint narrative:
Disputed account XXXX XXXX - XXXX not mine disputed multiple times XX/XX/XXXX and XX/XX/XXXX sent copy of police report and identify theft report # XXXX this is a collection agency I never gave hippa authority and this is not mine. Would like for XXXX  trans union and XXXX  to remove this promptly. Also XXXX XXXX  is reporting inaccurate info this account is closed and never late Still reporting as open

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 2020-04-29 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: NY

Complaint narrative:
I guess someone got hold of my information and opened up an account with this company by the name of XXXX XXXX, which I knows nothing about. Because I never opened that account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: NY

Complaint narrative:
I guess someone got hold of my information and opened up an account with this company by the name of XXXX XXXX, which I knows nothing about. Because I never opened that 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 2020-04-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
verybad experience i received my target redcard credit card everytime i want to place an online order it wont go through i will get an email cancelling my orders immediately saying technical issue when i call no one knows why their system keeps flagging my orders but if i use a different card it doesnt get canceled and ships

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I have disputed a charge on my VISA card with the USAA FSB from the XXXX XXXX XXXX which forced me to book a different flight than the one I originally purchased. 
On XX/XX/XXXX I received a voice message from the USAA stating that according to the Airline the ticket was used ... the services were rendered ... there were no cancellations involved. In the voice message USAA representative XXXX informed me essentially that they have to go off of the information provided by the Airline. 
I disagree. I was not allowed by the XXXX XXXX XXXX to use my ticket for the original flight and was forced to pay extra to book a later flight. At that time I was informed by the XXXX that my ticket was cancelled. I provided to the USAA FSB copies of my boarding passes for the original flight. 
Neither the XXXX XXXX XXXX nor USAA is treating me fairly, The supporting documentation I provided to the USAA confirms the cancellation of my ticket.

The USAA is failing repeatedly to conscientiously review the information I provided to support my dispute.

Apparently, the USAA feels they have to go off of the information provided by the airline. There is, however, no evidence that I was able to use my original ticket and boarding passes and to fly on the original flight. There is evidence ( receipts ) that I had to pay the XXXX additional {$110.00} to book a later flight. 
USAA continues to fail to provide a reasonable resolution of my dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I was under the impression that when my loan reach 78 % loan to value ratio based on actual payments the servicer would be legally obligated to remove the PMI. They are choosing to require a valuation and 2 years of payments first.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: GA

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX {$2700.00}

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 2020-04-29 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: GA

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX  XXXX {$2700.00}

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 2020-04-29 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
My purpose for submitting this complaint today is because, in my attempt buy my first home, I have run into an unforeseeable issue with a debt collection company that has brought this prospect to a complete halt, and I believe has potentially infringed on the rights granted to me by the FCRA. 
Quite some time ago, XXXX of XXXX to be exact, I opened a secured credit card with TD Bank. Unfortunately, not long after opening the account I was laid off from work and underwent a period of financial hardship ; and I could no longer keep up with the payments. I received a notice from TD on XX/XX/XXXX informing me that my account was charged off and owing in the amount of {$890.00}. At that time I simply couldnt afford to pay that amount. I later received a letter on XX/XX/XXXX from XXXX XXXX XXXX XXXX, stating that they were collecting the {$890.00} debt on behalf of TD, and I decided to just go forth and pay it as I was beginning to look into purchasing my first home, as well as possibly financing other endeavors, and could no longer afford for there to be this stain on my credit record. Arrangements were made with XXXX to settle/resolve the debt, and to my knowledge, that was that. 
I spent the next year or so saving money for a down payment and preparing myself for the new financial venture that is purchasing your first home. So, when I recently went to go apply for a mortgage, I was baffled when the loan officer reported back that I would have to pay that same very debt to TD in order to get approved. I went back to the XXXX website, the collection agency to whom I made the payment, and found my account with a {$0.00} balance. I went forth and filed a dispute with all three credit bureaus. This only resulted in the past due balance being updated to a more recent month on my credit report and having an even worse impact on my score than it had before. This debt is now past the statue of limitations for Pennsylvania ( 4 years from the date of last payment, reported as XX/XX/XXXX ) but is somehow still actively hindering my ability to buy a home for my family to this very day. I searched XXXX on the XXXX   and found similar consumer complaints. It appears they may have a history of not forwarding payments back to the original creditors they are servicing the debt on behalf of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: TN

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Went to account on the website to pay off found the total at {$5200.00} on XX/XX/20 and paid that amount in full believing my account was taken care of. Subsequently saw an email regarding my account and found another {$960.00} due. Contacted company XX/XX/20 through website disputing this amount they responded XX/XX/20 stating this was more interest that had accrued but my statement of {$5200.00} on XXXX showed it included {$940.00} AND {$1200.00} had been assessed XX/XX/20. I again disputed XX/XX/XXXX they responded XX/XX/XXXX AND assessed a late charge and more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
One of our checks was stolen from a payees mailbox and cashed. Bank of America ( BOA ) insist ed we close the accounts ( checking and savings ), which we did. The new accounts show the correct balance but payments are declined if we drawn on those accounts, my debit cards are declined and BOA has not been able to provide access to the funds we have in our accounts. We can not pay bills, or pay for goods with our debit cards. The fraud resolution process at BOA is so broken, it is worse that fraud. I believe that the only solution is for the government to impose regulatory oversight over the fraud resolution process. The level incompetence in the fraud department is staggering.

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 2020-04-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I had a credit card I got when shopping for a mattress at mattress firm. I opened the Synchrony account 2 years ago. After 2 limit increases my final limit was {$7500.00}. NEVER late, NEVER over the limit. Current balance {$0.00}. Out of the blue, I get a notification from MyFICO that my new limit is now {$250.00}. Who tf can purchase anything for {$250.00}? I called and they said we periodically check your credit, and your score must have gotten lower. So you lower my limit because Im utilizing other cards and my balances have increased?! Especially during this global pandemic. They are not consumer friendly. I told the lady close the account all together.

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 2020-04-29 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: TN

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

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 2020-04-29 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: TN

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

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 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Beginning in XXXX of 2017 I noticed that my checking account balance was at times, lower than what it should have been. I found that someone had taken my checks and endorsed them in my name, and then cashed them. I reported this to the bank as they were also handling my my investment account. At the time, they told me not to worry about it. They did not offer to investigate it, in fact they brushed it off. At the time, I was starting a " XXXX XXXX '' business and was well over my head and that of course distracted me and I did not pursue the matter further. Of course, I am in need of the funds that were fraudulently taken out of my account. I would like the bank to open up a fraud case and explain to me why they cashed checks that clearly have a signature that is not mine. Also, I would like the bank to explain why they had me fill out a signature card upon opening the checking account, yet never measured the fraudulent checks against the signature card. If they had done so, to the very least, they could have brought this to my attention and right then and there we could have avoided the fraudulent checks from being cashed. I will attach to this complaint, a copy of a spreadsheet that clearly outlines the fraudulent checks, proof of a proper signature and all supporting detail.

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 2020-04-29 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: GA

Complaint narrative:
I have made several attempts to have unverified information deleted from my credit report from transunion and XXXX. According to the FCRA if the information disputed is not verified its supposed to be deleted. I wrote a letter to the court asking if they provide information to the credit bureaus and they wrote back saying they do not provide information to the credit bureaus. How do you verify without providing proof? Please advise.

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