vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Scott Fetzer Financial Group Inc.
State: NJ

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this trade mark being reported to all major credit reporting agencies. Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
The end of XX/XX/2019 I called to make arrangements on my Paypal account. I decided to pay instead of doing a payment plan I made the normal payment. At this time the rep informed me that on the payment plan the payments would be late and reported 30 days. Although at the time I was not over 30 days I had surely paid this account after 30 days in the past as it was not being reported to my credit. My issue is that prior to Paypal changing hands I was not properly notified of the change from a non credit reporting account to a now credit reporting account. It appears that the new company I believe called Syncv/PPC brought account history from before they were actually reporting, If I had been notified that the payments would impact my credit I would have ensured the min Pay was made to avoid 30 day reporting. I have had a paypal account for many years, so when I saw in XX/XX/XXXX I was being reported starting back around XX/XX/XXXX and had not been notified I was upset. I called the company and they advised me to do a dispute and then did not fix my issue, or follow up with me. I spoke to the supervisor who was very nonchalant. I would like a copy of the information that was sent out regarding the change in credit reporting. Also if they started reporting in XX/XX/XXXX why are they backdating to XX/XX/XXXX when that is not how it worked in the past. Also This reports as a credit card ad I believe it is a line of credit..

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 2020-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MN

Complaint narrative:
received a letter in the mail from Convergent Outsourcing , Inc. for a reduced balance amount. Creditor listed as XXXX XXXX XXXX, XXXX. Original creditor listed and XXXX XXXX XXXX and I have never had XXXX. 
I called Convergent and they wanted me to confirm my information and I refused. My next step is to contact the original creditor.

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 2020-02-24 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: MD

Complaint narrative:
Equifax has an account on my credit report that does not belong to me. I tried to dispute this information several times with Equifax on line, by phone and mail. Every avenue failed. The account in question is as follows. 

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Account Number : XXXX Current Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$0.00} Type of Account : Revolving Credit Limit : {$2500.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : Actual Payment Amount : Scheduled Payment Amount : Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : 23 Creditor Classification : Activity Description : Paid and Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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 trying to get my son a new vehicle because his broke down. My salesman told me that I would be eligible, but with a very high interest rate due to my credit. I then ask to see my report and realized there was things on there I have never seen. These items need to be removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: ID

Complaint narrative:
XX/XX/XXXX got a letter from Convergent Outsourcing-XXXX claiming I had joined a XXXX XXXX   in XXXX XXXX, Nevada in XX/XX/XXXX and didnt pay the contract-but if i pay {$250.00} it would satisfy the judgement.The original balance was {$1000.00}. But they would settle for {$250.00}. 
This was from XXXX XXXX XXXX , XXXX. 

I actually have never considered joining a XXXX XXXX because of their high prices and arrogant/snobby people that usually go in there. Had i ever joined that gym i surely would pay for it. I have lived in Idaho since XX/XX/XXXX and can prove it.I have perfect credit. This is a clear fraudulent claim/mistaken identity.This gym was in XXXX XXXX, Nevada.I have lived XXXX Idaho for 31 years.

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 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I submitted a request for credit freeze to all three credit reporting agencies around XX/XX/XXXX. I sent the requested information to each. XXXX  and XXXX XXXX sent documents confirming the credit freeze had been placed. Experian sent the same post card you will see with my documents uploaded saying " We were unable to honor your recent request because you did not provide sufficient identification information for us to verify your identity, or that information that you provided was not legible. '' I forgot about the problem until I found the card in my drawer On XX/XX/XXXX, I sent another credit freeze request via certified mail with return receipt ( copy of documents sent included ). A couple of weeks ago, I received another postcard denying my request. As you can see from the attached files, I sent everything requested and it is legible. ( The documents include personal information, so I am attaching redacted copies of the documents ; unredacted copies were sent to Experian. )

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 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have an existing Security Freeze with Experian that was established in 2017. As part of setting up that security freeze I was given a PIN # and phone number to call to conduct temporary removals. 

I have made numerous attempts to do a temporary removal of security freeze but am unable to get in contact with anyone. The phone number given to me when I set up the security freeze only direct me a a phone tree. The only options give in the phone tree are to permanently remove the freeze or to purchase products. I have been give no mean to talk with a representative and provide my information or PIN #.

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 2020-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: GA

Complaint narrative:
Lending Club Has Created Barriers to Consumers Receiving Basic Information about Their Loan Accounts : 1. I have a loan with Lending Club.

2. The loan was on autopay to a checking acct.

3. I closed the checking acct a few month ago.

4. I asked the acct. to be removed from autopay at the time, and it was.

5. I revoked permission for Lending Club to call me after receiving incessant calls, and Lending Club did stop calling me.

6. I called for a few months to make manual payments as well as sent in one check payment.

7. About a week ago, I attempted to update my bank acct. information online and the Lending Club website said it was down for maintenance.

8. On today, the account was two days past due.

9. I went online and updated my bank acct. information to new checking acct.

10. I also scheduled my monthly payment, which was two days past due, for today.

11. I wanted to see if ( a ) adding the new bank account information caused the autopay to be turned back on ; and ( b ) this caused a duplicate payment to be scheduled.

12. I spoke with XXXX  in Member Support, who, said my account was on autopay ; and then, after allowing me to expend much time and energy explaining my questions to her, said she would have to transfer to another department, " Payment Solutions. '' 13. XXXX  placed me on hold.

14. XXXX  came back from hold and said it would be a lengthy wait time.

15. I asked why I was being transferred. I stated I had, in fact, wanted autopay to be turned back on. And so, if she was saying it had been turned back on, why did I need to be transferred?

16. She admitted she wasn't sure whether autopay was turned back on.

17. I asked for supervisor. Transferred to XXXX  ( no ID #, said she was only XXXX  ), a Manager in Member Support. XXXX  said the autopay was not on, which means the previous agent was incorrect.

18. XXXX again said she could provide no other information about my account. She said that agents in that department " can't even see the number '' ( an internal number ) of the account when the account is past due.

19. I asked whether, as a general matter, if accounts are not on autopay, whether there would be a duplicate payment to a manual payment being scheduled. She said as a general matter, no.

20. I asked to cancel my payment, and she said she could not do so.

21. I said I had considered giving Lending Club new permission to call me, but that I decided, based on today 's experience, not to give such permission because they do not seem set up to provide productive communication to consumers.

22. Calling Lending Club today thinking you all would appreciate me wanted to have clarity and manage my account, and that I'd be able to resolve this in two minutes, was a big mistake. What a nightmare. You all ruined my Monday morning.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-24 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:
To whow This may Concern ; I decided to check my credit and i notice that my scores was down, so i look futher into the the situation and i notice that there are Accounts that i did not Authorize on my credit which i cant understand so this report is to help me reslove this matter

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 2020-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: MN

Complaint narrative:
received a letter in the mail from XXXX XXXX XXXX XXXX for a reduced balance amount. Creditor listed as DeVille Asset Management, LTD. Original creditor listed and XXXX XXXX XXXX and I have never had XXXX. 
I called XXXX and they wanted me to confirm my information and I refused. My next step is to contact the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have talked to the company, and sent police report along with notarized statement that the account was fraud. I filed a dispute with credit companies. Spoke with a representative on XX/XX/XXXX and disputed the account-the account was removed on XX/XX/XXXX. I spoke with a representative on XX/XX/XXXX and she indicated the account was placed back on the report. I relieved a letter from the credit company and Northstrom that account was being removed. This a fraud account, all of information was taken and three accounts were opened on the same day. 
My XXXX  confirmation XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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 trying to get my son a new vehicle because his broke down. My salesman told me that I would be eligible, but with a very high interest rate due to my credit. I then ask to see my report and realized there was things on there I have never seen. These items need to be removed 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 2020-02-24 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 trying to get my son a new vehicle because his broke down. My salesman told me that I would be eligible, but with a very high interest rate due to my credit. I then ask to see my report and realized there was things on there I have never seen. These items need to be removed 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 2020-02-24 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 bills I kept receiving in the mail. I have never heard from the place before. Therefore, I suspected identify theft. When I received my report I was caught by surprise with a couple of things I have never heard of. The things on this application do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I contacted SunTrust in XXXX asking them what the deal was with my property taxes since the county had not split the property. The person I spoke to assured me that this was not abnormal and that the county would issue a new bill in XXXX. This was thoroughly untrue. Property taxes were due on XX/XX/2020. My taxes were unpaid by SunTrust. I contacted SunTrust in XX/XX/2020. I was given just about every reason including that SunTrust had paid the taxes. The representative merged in a representative of the XXXX County Tax Office who assured her taxes were due on the XXXX, they had not been paid, there was a late fee. The representative kept saying she needed a bill in my name and the XXXX County Tax Office assured her no bill for XXXX would be in my name but that taxes were still due. XXXX County offered a bill showing the unpaid taxes. SunTrust could only accept it by mail or by fax. XXXX County could only email it. I received the email and forwarded it by fax to SunTrust on XX/XX/2020. I was told it would be resolved within 10 days. To date, my taxes are unpaid. My property has unpaid taxes yet SunTrust has an escrow account with nearly {$12000.00} in it. My unpaid taxes are {$7800.00} plus a late fee of {$540.00}.

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 non-monetary relief
Consumer complaint received 2020-02-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: CO

Complaint narrative:
We had selected to make the minimum payment on our Fortiva credit card and since XXXX they have charged us the full amount multiple times resulting in overdraft fees. We have taken our banking information off of the online site and they still have charged our account the full amount. We have tried contacting them multiple times to get it fixed and every time they say it takes 2-3 business days to speak with a manager resulting in us NEVER getting called back. When we spoke to a manager one time back in XXXX he had told us that they were going to delete our banking information and send us a sheet to fill out so we can set up a payment arrangement. None of this was done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: FL

Complaint narrative:
To whow This may Concern ; I decided to check my credit and i notice that my scores was down, so i look futher into the the situation and i notice that there are Accounts that i did not Authorize on my credit which i cant understand so this report is to help me reslove this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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:
To whow This may Concern ; I decided to check my credit and i notice that my scores was down, so i look futher into the the situation and i notice that there are Accounts that i did not Authorize on my credit which i cant understand so this report is to help me reslove this matter

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 2020-02-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/2020 i received notificaitons from several different credit monitoring applications i use that a hard inquiry from PP/sync had appeared on all 3 of my credit bureaus. I contacted the creditor and learned that some type of online had been approved for me in the amount of {$750.00}. I informed them that I DID NOT apply for any form of credit with their company and that this was a fraud. They advised me that the line of credit was opened online and that my name and ss # were used however the address and phone did not match mine. He assured me that the line of credit had been closed furing our call, and it had not be used as of yet. He stated that they would begin a full investigation. I immediatley contacted all 3 bureaus and put a credit freeze and fraud alert on my social. 3 days later XX/XX/XXXX I again begin receiving notificaiton from my credit monitoring companies. The account had begun reporting on my bureau with a {$30.00} balance dropping my credit score significantly. I called back to learn that the first fraud specialist i spoke with had actually NOT completed my claim and the account was not closed. Now for the second time, I'm to trust that this creditor is handling my dispute properly

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 2020-02-24 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: U.S. BANCORP
State: VA

Complaint narrative:
Filed dispute for refund not provided as a result of merchant not providing the service paid for. Received a request for information in mid-XXXX and supplied the information. Received letter dated XX/XX/2020, my case was closed due to not receiving information. Called, they said info received. Case manager called me and left message. Two attempts to call back were not returned by case manager. Spoke to general customer service who requested additional details which were provided. About one week later received letter saying case is closed due to insufficient information. However, as described all requested information has been provided.

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