vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: WA

Complaint narrative:
In XX/XX/XXXX, I received a collection notice from Linebarger Goggan Blair & Sampson in the amount of {$92.00} for XXXX XXXX XXXX State toll collection charges. I immediately called to dispute the charges, and let them know that my XXXX account was closed in XXXX when I moved out of state to XXXX state. I let them know that I physically had not been or driven any vehicle in the eastern seaboard in a decade, and this was not my charge. I asked them to verify or remove the charge and they refused. I subsequent received a second collection notice and called them again on XX/XX/XXXX. I once again called them to say that it was not my charge. They again refused to verify the debt or remove it. They gave me the information that the toll was incurred by an XXXX car with XXXX license plates in XX/XX/XXXX. I let them know that I never owned nor drove an XXXX car, nor have I ever owned a car registered in XXXX XXXX. Additionally, I was not in or near XXXX XXXX state in XXXX. My vehicle is not an XXXX, has XXXX state plates and has never been in or near the east coast. They continued to still refuse to work with me, and refused to verify the debt. I believe that this is predatory collection practices as it's clear that this is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: VA

Complaint narrative:
I Filed a dispute with transunion to correct inaccuracies in my credit report. Rather than investigate the evidence I submitted in connection with my claim ( XXXX letter showing account was not in delinquency ). XXXX  provides false statement indicating that XXXX ( the reporting entity ) verified account status currently being reported is accurate. When its not. 

Per the letter issued by XXXX  in support of my claim, the account was in forbearance. And Transunion in violation of the fair credit reporting act did not update account nor conduct fair and detailed investigation into my claim and evidence submitted. 

I provided XXXX. with evidence ( a letter issued by XXXX  ) showing dates currently being reported by XXXX as inaccurate. Account was not late, account was in forbearance as listed by XXXX ( the originator of the information ).

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 2019-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sound Collection Services
State: TX

Complaint narrative:
Re : Personal Business Matter XXXX XXXX XXXX XXXX Fri XX/XX/2019 XXXX XXXX  Claims, Disputes, Receipts To : Customer Service ( XXXX ) ; To help protect your privacy, some content in this message has been blocked. To re-enable the blocked features, click here. 
To always show content from this sender, click here. 
Per my attorney, and the the FTC.gov, put your complaint in a letter and mail it. I will not be downloading any PDF files, nor uploading any of my personal info. Stop emailing my business, or you will be blocked. Have a good one. 
From : Customer Service XXXX Sent : Thursday, XX/XX/2019 XXXX XXXX To : XXXX Subject : Personal Business Matter Your eDocument is best viewed using the latest version of the Adobe Reader - get it here XXXX Welcome to eNotice - Please review this email carefully. This email has been automatically generated. 
Use the link in the contact us section to send an email response. 
XXXX Authenticate Your Details : XXXX XXXX XXXX Dear XXXX XXXX XXXX, Our records indicate that we have your permission to communicate with you via email at the following address : XXXX To open your secure enotice document : 1. Open the PDF attachment. 
2. Please type the last 4 digits of your Social Security # to open the secure enotice pdf. 

We are committed to customer satisfaction. If you have any questions, please reply to this email or call Customer Service at XXXX. 

Sincerely, Customer Service XXXX Your eDocument is Secure This eDocument is encrypted for your protection. To view the document Please type the last 4 digits of your Social Security # in the Password field of the PDF. 

XXXX Get Adobe Reader You'll need the Adobe Reader to view your secure eDocument. Get it now. 
You may contact us at : Customer Service Department XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX Email : XXXX Unsubscribe Instructions If you do not wish to receive these emails please unsubscribe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The following account I have been disputing for years. It does not belong to me. 
LNVN FUNDING LLC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX, XXXX, serviced by XXXX XXXX XXXX are representing fraudulent accounts on my credit report that are hurting my credit history and my credit score. I've applied to multiple creditors and I have been denied because of XXXX XXXX, XXXX serviced by XXXX XXXX XXXX. I addressed these concerns with XXXX XXXX, XXXX, serviced by XXXX XXXX XXXX and my requests for correction have been ignored.

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 2019-05-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX, XXXX, serviced by XXXX XXXX XXXX are representing fraudulent accounts on my credit report that are hurting my credit history and my credit score. I've applied to multiple creditors and I have been denied because of XXXX XXXX, XXXX serviced by XXXX XXXX XXXX. I addressed these concerns with XXXX XXXX, XXXX, serviced by XXXX XXXX XXXX and my requests for correction have been ignored.

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 2019-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ditech Financial LLC
State: SC

Complaint narrative:
This alleged debt was already removed from my credit report. I request documents from this company that I never received. What I did receive was a letter stating that the debt was mine and they have updated their internal records.I explained to Ditech that I am aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, until Ditech provides me with proper validation of this debt, they are not allowed to pursue any collection activities, including reporting this information on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The following account I have been disputing for years. It does not belong to me. 
XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 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: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Specialized Loan Servicing currently reports a foreclosure for a trade line that has no foreclosure event.

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 2019-05-15 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: NY

Complaint narrative:
I would like my fraud alerts removed from my Experian Credit report.

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 2019-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
Upon receiving my Year End Interest Statement, I realized that the address the mortgage company had on file as my primary home address was in a different state than where I live. I have emailed the company and made numerous calls in an effort to resolve this but I am not getting anywhere with them. I have explained that I live in Texas which is where my loan originated from, I have never lived in Tennessee which is the address that now shows up on my statements. This caused me to to have to get an extension to file my Income Tax and now I'm in danger of losing my XXXX health insurance as it is a requirement that i file my taxes. I've been battling XXXX XXXX and can not afford to be without health insurance. I tried explaining this to a supervisor after being transferred several times and she finally agreed to make the correction and fax me the form but that was over a week ago and I never received it. Also, I changed my homeowners insurance to a less expensive one and they claim that they never received payment. One week later I verified that payment was received but they are still charging me the higher premium that they slapped on my loan which increased my payment by more than {$200.00} per month. I don't understand how a mortgage company can change the address on my file without my authorization and increase my payment PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: GA

Complaint narrative:
I have contacted this company on numerous occasions to validate the account that they are reporting on my credit report. Have contacted my certified mail. Company refuses to validate debt and prove ownership but constantly update credit report in an attempt to continue collecting the debt. Have requested numerous times to delete this tradeline from my credit report as this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
Two separate issues. 
# 1.With American Honda.. I co signed on my daughter 's loan. They had incorrect info on her loan of 2 late payments. Honda had her info removed from her report after discovering it was an error. But XXXX and other two C. U. failed to remove her incorrect info from my report. # 2.Returned leased XXXX to XXXX dealership XX/XX/17 in perfect condition to GM at XXXX XXXX XXXX, in XXXX. We asked if we owed anything else as per our agreement. GM stated NO. We looked for another vehicle on their lot to purchase, had a new salesman who left us on lot, stating he was too hot. We went in and tried to tell XXXX XXXX ( OWNER ), what happened as we had no ride home. He told his GM to tell us he was too busy and ignored us. We called dealership across the freeway, XXXX dealership and they picked us up and we bought a car from them that night. My perfect XXXX credit score was ruined when XXXX reported me to all Credit Union 's, due to not purchasing from them.We TRIED to. I talked to Owner XXXX XXXX '' s assistant, XXXX XXXX,XXXX, explained what happened, she apologized and promised she would have it removed.She never returned calls nor removed.Credit score took HUGE hit. I have never missed or made late payment in over 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I attempted to make a purchase at a grocery store on XX/XX/2019, using a Chase issued Visa credit card. The 2 attempts to pay for my purchase resulted in the transaction being denied. I then used a XXXX XXXX   Visa card, and there was no issue. I called Chase customer service to determine the reason. The customer service agent insisted it was nothing Chase had done or physical the card itself. I was made to feel like a XXXX and XXXX by how I was treated by Chase Customer service. Chase customer service also has horribly long wait times, when a customer calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: VA

Complaint narrative:
AFTER REVIEWING A COPY OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT WAS PLACED ON MY REPORT WHICH IS CAUSING TREMENDOUS HARDSHIP ON MY CREDIT. THOSE ACCOUNTS DOES NOT BELONG TO ME AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED.

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 2019-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX I opened a Care Credit account with Synchrony Bank. I made all payments on time, usually ahead of schedule and paid off the account, although it remained open in case I needed additional dental work. The experience improved my credit due to the timely payments and the addition of {$1500.00} to my total credit ( impacting the ratio ). 
In XXXX I began receiving daily calls regarding a Penny 's account that I do not own. When I called the number in the message to clear it up, I found it was a Synchrony card. Since my social security number wasn't attached to the card, I was unable to speak with anyone about the problem and had to submit a secure message.. 
I simply asked that they remove my phone number from the account, making clear that the Penny 's account was not mine. I also warned that this could be a sign of fraud and they should investigate. 
I received confirmation of the complaint on XX/XX/XXXX ( attached ) I began receiving letters saying they would get to it soon. I was never asked any questions, nor was it ever clear that an investigation had taken place. 
On XX/XX/XXXX I received a letter ( attached ) stating that they had determined that my Synchrony care credit account had not been opened by me! It most certainly had!! 
They had closed the account and said I wasn't responsible for anything. I had monthly payments for nearly a year and they all disappeared. 
I tried to contact Synchrony by phone, finally speaking with XXXX on XX/XX/XXXX. I explained the situation and requested they open the account and make sure that the good credit acts were all attributed to me. She said she would check with fact finding and I should call back. 
I called back today, XX/XX/XXXX and was told that they could not reopen the account. 
I want my credit intact -both on the report and the credit extended. Furthermore, they need to change their investigation process. 
Please investigate Synchrony 's investigation process, internal practices, and provide some redress.

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 2019-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been a victim of identity theft and it seems that this is never ending miserable issue for me. The credit cards with Department Stores National Bank/Macys with account ending XXXX was opened fraudulently not by me. I disputed this account with the original creditor and they had told me that this account was already closed due to fraud and the accounts was deleted from my credit file. I submitted a federal trade commission identity theft report that they had sent me years ago for this fraudulent account as well. Now, this account is in collections and I don't know how it was transferred to a collection with wrong information when it was closed due to fraud. I have even forgotten how many years back this account was opened and closed due to fraud and removed off my consumer credit report. This is not only frustrating but it is also causing a negative impact to my name for an account I never had opened to start with.

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 2019-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I applied American Express Platinum credit card on XX/XX/2018. 
They advertised that you will get XXXX Membership Rewards bonus after spend XXXX USD in the first 3 month. 
I met the requirement for the welcome bonus but I haven't got the bonus. 
I talked with American Express agents for several times and they response that I applied through a third party link which was not qualified for the bonus. I searched multiple times on the internet trying to find a third party link that is not qualified for the bonus but I just can't find one. I asked the agents to show me an example of such link and they said they are not allowed to do so. I asked for some XXXX search hints or directions for finding such a third party link and they refused to provide any information about such third party link. 
I have the screenshot I took when I applied the card. The screenshot has information about what American Express advertised about the card I applied. 
I have the previous correspondence with Amex agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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:
I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. I have filed a report with FTC and contacted the police. I'm doing this on my own behalf. There are still items on my credit that are not mine. Bankruptcy Chapter XXXX-discharged, FOR YOUR EYES ONLY, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Account with no name but a account number # XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. Thank you

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