vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-17 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I was approved for this credit card with the following terms : Free interest on all purchases for a year. Barclaycard did not honor these terms, so after I paid all charges I owed, I closed my account. Barclaycard then proceeded to charge interest charges and late fees. I contacted CFPB and they investigated and Barclaycard agreed to XXXX  my account. Currently, Barclaycard is reporting to all credit bureaus that this account is delinquent for {$310.00}. ( XXXX, XXXX, XXXX ). I have sent Barclaycard, XXXX, XXXX, and XXXX  copies of the following : The terms and conditions of the credit card, last statement of my credit card showing when I paid all my charges, and a copy of my bank statement reflecting this payment. Please help me to resolve this issue. The credit card number was XXXX. I closed this account on XX/XX/2016. 
I can be contacted at the following address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX-XXXX. Best regards,

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 2020-02-17 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:
As I went to my tax professional to get my taxes filled, my consultant told me that I was not able to file my taxes due someone using my identity. As I'm trying to get that taking care I decided to get my credit report pulled. When I got my credit report there was a numerous list of things that I have never applied for in my life. Please remove these things off my credit as soon as possible. 

XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$260.00} XXXX  XXXX XXXX  XXXX XXXX {$19000.00} XXXX/XXXX  XXXX {$470.00} XXXX  XXXX {$1600.00} XXXX  XXXX {$3700.00} XXXX  XXXX XXXX XXXX {$77000.00} XXXX/XXXX  XXXX {$140.00} DEPT OF EDUCATION/XXXX  XXXX {$32000.00} XXXX  XXXX XXXX  XXXX {$500.00} XXXX  XXXX   XXXX {$23000.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX  XXXX XXXX {$8700.00} XXXX/XXXX  XXXX {$460.00}

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 2020-02-17 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:
As I went to my tax professional to get my taxes filled, my consultant told me that I was not able to file my taxes due someone using my identity. As I'm trying to get that taking care I decided to get my credit report pulled. When I got my credit report there was a numerous list of things that I have never applied for in my life. Please remove these things off my credit as soon as possible. 

XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$260.00} XXXX  XXXX XXXX  XXXX XXXX {$19000.00} XXXX/XXXX XXXX {$470.00} XXXX  XXXX {$1600.00} XXXX  XXXX {$3700.00} XXXX  XXXX XXXX XXXX {$77000.00} XXXX/XXXX  XXXX {$140.00} DEPT OF EDUCATION/XXXX XXXX {$32000.00} XXXX  XXXX XXXX XXXX {$500.00} XXXX  XXXX   XXXX {$23000.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX {$8700.00} XXXX/XXXX  XXXX {$460.00}

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 2020-02-17 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: Kriya Capital, LLC
State: MI

Complaint narrative:
They have violated the FDCPA. They did not provide adequate validation of this debt. 
I have all communications in writing and everything was sent certified mail. I tried to upload the documents but it would not allow me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XX/XX/2018 {$430.00} reported fraudulent account due to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My XXXX year old XXXX  brother does not have a credit file. I have requested that he have a freeze placed on his social security number. They do not seem to understand or be able to do this but can sell a lock product. Does he have protection from XXXX?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My XXXX year old XXXX  brother does not have a credit file. I have requested that he have a freeze placed on his social security number. They do not seem to understand or be able to do this but can sell a lock product. Does he have protection from XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I believe that I have been victimized of Transunions " inquiry issue. '' I do NOT recognize these inquiries and am requesting that they are deleted immediately as they are having a negative effect on my credit score. I contacted Transunion customer service and they would not help or take care of these negative inquiries that are being reported.

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 2020-02-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
In 2016, I be came very sick which resulted in me becoming XXXX   forcing me to retire on Social security XXXX. I immediately contacted my creditors and was told about various programs that could help. I applied for a loan modification for my home equity. To qualify I had to go on a trial period for a number of months to show I could at least make the new payments. Unbeknownst to me I was still being held responsible to make the higher original loan payment at the same time. I couldn't afford to pay both payments thats why I was applying for modification. My credit suffered, over 30, over 60 and over 90. 

After successfully completing the trial I was offered the modification with late fees that had accrued were waived. I carefully read through the document there was no mention of late fees or time they would accrue going forward. 

So as my social security benefit went to my bank I was able to pay the agreed upon amount. 

Now that this loan was given to Specialized Loan Servicing and later sold to another investor. I am being charged a {$39.00} late fee for a payment made in the same manner as I did in the past. The terms in the agreement supersede all others. So why now am I know being charged fee when here is NO mention of it in the agreement I signed? 

I tried calling customer service at Secialied Loan Service but could never tell my story because the asociate keep talking over me and would not listen to the problem. The manager I asked for never returned my call. 

Attached are statements showing I was NOT charged a late fee.

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 2020-02-17 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:
My mom informed me that I received a letter at her house where I use to live about a debt owed. I immediately looked into this debt and I do not owe child support. This person who owes this debt is not me. Someone has used my name and social security number to not own up to there own responsibility. I need this removed as soon as possible. Please get this unknown debt off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I recently got a phone call from a debt collector asking for money for an account that I never authorized to be opened. That call prompted me to take a look at my credit report and that's when I realized that my identity had been stolen and my personal information had been used to open several fraudulent accounts. The fraudulent accounts currently reporting on my credit report are some medical service bill that I never authorized or received medical services for that totaled {$740.00} from XXXX XXXX XXXX. That debt is being collected by a company named XXXX ( XXXX    XXXX XXXX  ). I advised them that I never had any medical services done by XXXX, and they said there was nothing they could do but to continue to try to collect the amount owed. The second fraudulent account that is being reported on my credit report is a loan that some criminal applied for using my personal information with XXXX XXXX XXXX XXXX XXXX for {$820.00}. I tried calling XXXX XXXX XXXX XXXX XXXX and just kept getting transferred until I got frustrated and hung up. The third fraudulent account being reported is some type of loan with a company named XXXX XXXX XXXX for {$3700.00}. I have no idea who this company is and when I called them and advised them the I am a victim of identity theft and that I didn't authorize the use of my personal information to obtain this debt the representative laughed and said that I have to pay them or they will continue to report it to the credit bureaus.

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 2020-02-17 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:
Experian, I have contacted you several times about this and i am very upset that these inquiries still remain on my credit report that i stopped paying for my monthly credit report with your company since you don't care. 
These inquires below are not mine! I have contacted the business phone numbers on my credit report and the businesses say they are NOT reporting! Please remove these inquiries. 
WHO ARE THESE PEOPLE? WHY ARE THEY ON MY CREDIT REPORT?? 

EXPERIAN XXXX CRED Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX   XXXX XXXX XXXX, CA XXXX XXXX  XXXX   XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX   XXXX  XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX/XXXX  Finance  Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX  XXXX   XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX THESE BELOW ARE FROM MY BANK ON THE SAME DAY! I SHOULD HAVE NOT HAD TWO INQUIRIES FOR THE SAME THING ON THE SAME DAY! I'M ALLOWED TO HAVE 1 INQUIRY FOR 30 DAYS FOR SAME BUSINESS. 

XXXX/XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX   Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I was scammed by a company called XXXX XXXX. The company was supposed to cut my student loans in half after I was accepted into the program but instead they just switched my loans to a new provider and stole almost {$1500.00} of mine. I was told I was very lucky to have gained access to their program and I was one of the last ones to be accepted. The company employee had told me that I just needed to pay the first 5 months at a certain amount that was around {$260.00}. Then after the 5 months I would have my payments dropped to affordable payments and I would only owe half of what I had originally. I have gotten emails saying that the government is suing the company for unlawful things and I can not get ahold of the company. When I call it says the company is suspended and wont be back until who knows. I just want to get my loan right and not feel like Im getting scammed for making payments every time because thats what has already happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/2020 my paypal account was charged XXXX - I did not purchase anything in that amount or transfer money to anyone in that amount. I do not know the person the money went to. I submitted this to Pay Pal and they let me know today XX/XX/XXXX that they deemed this charge to be in line with my past history. Which is not true, I have transferred money to people for games and trades my son is has related to video games but the most spent was {$27.00} dollars with exception for a purchase I made in the amount of {$300.00}. With that said the person 's pay pal account that my money went to is XXXX XXXX XXXX and it says I will see " XXXX '' on my credit card statement. I tried to let Pay Pal know after their decision that I absolutely did not authorize this payment and the case is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Called XX/XX/XXXX ( Portfolio Recovery Associates ) to inquire about an account and amount reflected on my credit report. Representative said she would transfer the correct department. Transferred Representative stated that he was in the " Litigation Department. '' Confirmed account information, and stated that " my account has NOT been reviewed by an attorney. '' Then asked whether I was calling to make a payment. I asked him, what do you mean " it has NOT been reviewed by an attorney. '' Then representative stated - " I apologize in advance, the account has been reviewed by an attorney. '' I asked him to provide me with the attorney 's name. The representative declined. After I asked to speak with supervisor, he restated the same information, and warned me that the case has been filed in XXXX, GA. I asked by whom. He again refused to disclose name. Transferred me to supervisor, and supervisor explained more misinformation and finally provided XXXX names of attorney 's along with their state bar license numbers. 

I never had any contractual obligation with Portfolio Recovery Associates, and I believe that this company is making representations that I have in fact had a prior relationship with them ( " last time you paid on the account was XXXX '' ). However, the company purchased my information XX/XX/XXXX, and attempting to blemish my reputation and file erroneous information to courts of law. I believe Portfolio Recovery Associates to be in violation of the Due Process Clause of the 14th Amendment to the United States Constitution, Fair Debt Collection Practices Act, and Unfair, Deceptive and Abusive Acts/Practices ( Dodd-Frank Act ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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:
My mom informed me that I received a letter at her house where I use to live about a debt owed. I immediately looked into this debt and I do not owe child support. This person who owes this debt is not me. Someone has used my name and social security number to not own up to there own responsibility. I need this removed as soon as possible. Please get this unknown debt off my 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 explanation
Consumer complaint received 2020-02-17 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:
My mom informed me that I received a letter at her house where I use to live about a debt owed. I immediately looked into this debt and I do not owe child support. This person who owes this debt is not me. Someone has used my name and social security number to not own up to there own responsibility. I need this removed as soon as possible. Please get this unknown debt off my 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 2020-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
XX/XX/2019 {$220.00} reported fraudulent account due to identity

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 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Key 2 Recovery, Inc.
State: MI

Complaint narrative:
I sent them a debt validation letter and their response was not an adequate validation of the debt. 
I have tried to upload the many documents I have including the certified mail tracking. It will not let me upload. Please contact me to get these documents for your investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IL

Complaint narrative:
The incident happened between XXXX XXXX  to XXXX XXXX   CST on XX/XX/2020. I deposited {$300.00} in cash using the PNC bank ATM inside the XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX. The debit card I was using is a XXXX  XXXX XXXX debit card. The machine took my cash and threw an error message. ( Can not remember the details, but it was something like " Transaction can not be processed and have to be done at your financial institution ''. 

Contacted PNC Bank customer service on phone, told me to contact XXXX  XXXX XXXX. XXXX  XXXX XXXX customer service told me there is no deposit record on my account, and told me to contact PNC. Told the same PNC customer service the situation clearly again. She became really rude and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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 online and I applied for a personal loan, that I got due to a low credit score. I wondered for days how was this possible if I have always had good credit. I got my credit pulled and saw I was a witness of identity theft. Most of these accounts that were open under my name are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX XXXX {$540.00}

Company response to consumer: Closed with explanation