vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$900.00}, {$22000.00}, {$17000.00}, {$7500.00}, {$5000.00}, {$1200.00}, {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13.  See Also 12 C.F.R 226.12 ( b ) -OPEN ACCOUNTS- 1. XXXX with ACCT # XXXX opened on XXXX XXXX with a credit limit of {$900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 






-CLOSED ACCOUNTS- 6. XXXX & XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my 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 non-monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing did not issue a Deed of Reconveyance or Lien release for a HELOC that was forgiven/cancelled on XX/XX/XXXX. 
I contacted Specialized Loan Servicing on XX/XX/XXXX to provide a payoff request or deed of reconveyance for the cancelled HELOC, however, as of XX/XX/XXXX I haven't received any of the documents requested. 
The only communication I received was a letter from Specialized Loan Servicing on  XX/XX/XXXX stating that the Lien release is in the process and " the copy of the lien release will be sent to you under a separate cover ''. 
I have been calling ( on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) to get a status of the lien release. The company is unable to give me a timeline on when I will receive the lien release.

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 2019-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
Sold items on XXXX through PayPal starting XX/XX/2019 all items sold correctly and Buyers all stated they received items. PayPal is holding my money for 6 months now and it has been 2 months already. I have been treated rudely by customer service sometimes 5 hour waits on phone calls. I am XXXX and need my money badly to pay bills etc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX-19 I applied for a car loan at XXXX XXXX XXXX XXXXXXXX. I was prompted with a congratulations you are approved. I went in on my next day off with one of the cars I was interested in from the online portal. Once I arrived a sales man greeted me asking have I been there before. I responded no I was approved online and this is the car I was interested in. I test drove the car and fell in love with it. After he started asking me for my validation of income reassuring me that I was approved. I gave him all the info he needed. And now 10 days later I have 11Hard inquiries. I never approved that. I would never do that to myself. I was planning on buying a house in XXXX. This disgraceful situation has made my credit score go from a XXXX to a XXXX. This by law should be illegal. Sometime highly recommend me to respond to you. Whomever gets this please fight for me and all the other victims of this type of sales tactic. Thank you again for your time and consideration ...

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 2019-09-20 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: MO

Complaint narrative:
My identity has been compromised and misused and in doing so there's unknown and unauthorized accounts appearing on my credit file and I'm respectfully requesting that these accounts be blocked and/ or removed immediately. 

The following accounts are, ( 1 ) XXXX XXXX XXXX {$110.00} ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX {$120.00}, ( 4 ) XXXX XXXX   {$6000.00}, ( 5 ) XXXX XXXX {$760.00}, ( 6 )  XXXX XXXX & 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 2019-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
XXXX XXXX XXXX told XXXX XXXX a false statement said unauthorized transaction get me Owe {$4000.00} to Discover. I can not afford to pay {$4000.00} XXXX XXXX was doing XXXX with XXXX for two months but I'm going to defend discover and my credit report I got proof that XXXX XXXX is doing bank fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: MO

Complaint narrative:
My identity has been compromised and misused and in doing so there's unknown and unauthorized accounts appearing on my credit file and I'm respectfully requesting that these accounts be blocked and/ or removed immediately.

The following accounts are, ( 1 ) XXXX XXXX XXXX  {$110.00} ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX {$120.00}, ( 4 ) XXXX XXXX   {$6000.00}, ( 5 ) XXXX XXXX {$760.00}, ( 6 ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 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: MO

Complaint narrative:
My identity has been compromised and misused and in doing so there's unknown and unauthorized accounts appearing on my credit file and I'm respectfully requesting that these accounts be blocked and/ or removed immediately. 

The following accounts are, ( 1 ) XXXX XXXX XXXX {$110.00} ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX {$120.00}, ( 4 ) XXXX XXXX {$6000.00}, ( 5 ) XXXX XXXX {$760.00}, ( 6 ) XXXX XXXX XXXX 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 2019-09-20 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA

Complaint narrative:
I received an email from One Main Financial saying that i have a credit hard inquiry which impacted my credit score on XX/XX/2019. I have not requested for any loan. However, I received a notification from XXXX XXXX that i am pre-qualified for loan and it also stated that this process will not effect my credit score, but an hard inquiry happened on my account. I request you to please take an action on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Recovery Services, LLC
State: ID

Complaint narrative:
On XX/XX/2019 i received an summons. i was being sued by medical recovery services. On XX/XX/2019 i personal went to the office of XXXX XXXX XXXX XXXX XXXX XXXX, pllc. They explained the debt i owed and the fact that I now owe filing fees, attorneys fees, and legal interest. I paid {$630.00} for everything. On XX/XX/2019 my wife filed chapter XXXX bankruptcy. 
On XX/XX/2019 i received an email from XXXX  saying a new collection account was added to my credit. After reading the email and looking at my credit report. I already paid this account. On XX/XX/2019 I called medical recovery services and they refused to give me information on a collection i already paid. I then filled 2 desputes with XXXX and they keep telling me i owe the debt. This debt is causing a negative impact on my credit for every month that goes by its saying i haven't made any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I consolidated all my Navient loans with XXXX XXXX in XX/XX/XXXX. I received an invoice from Navient in XX/XX/XXXX and contacted them. I called XXXX XXXX agnet and got both company on athree way call, during the call I was told it was an error and it would be corrected. I did not receive any correspondence after the call. Last month while trying to get a loan, i was informed I had an outstanding loan with navient. I have contacted them on numerous occasions to get a resolution to this error but it hasn't been fixed. 

I have attached the loan amount navient claims i borrowed and the factual amount that was listed on the nslds website which shows the full balance of the loan has been paid by XXXX XXXX during the consolidation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony bank, has placed late fees on every month even if I pay a day before. Their excuse is that they need the payment 5 days before is due. That is not what the contract says. Now they are trying to collect money on an account and won't send me proof of the account. They are affecting my credit and won't provide validation.

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 2019-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
Online access is restricted upon checking USAA claiming I have filed too many complaints and the company is exercising its right to terminate the relationship with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have no idea who LVNV FUNDING LLC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. LVNV FUNDING LLC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

I have requested information from LVNV FUNDING LLC via certified mail and they did not respond to my request and no information was provided. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor }  authorized LVNV FUNDING LLC as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ LVNV FUNDING LLC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to LVNV FUNDING LLC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have no idea who LVNV FUNDING LLC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. LVNV FUNDING LLC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2017. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested information from LVNV FUNDING LLC via certified mail and they did not respond to my request and no information was provided. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized LVNV FUNDING LLC as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ LVNV FUNDING LLC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to LVNV FUNDING LLC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. * Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XX/XX/XXXX, TransUnion put false, incorrect derogatory Chapter XXXX bankruptcy info about my XXXX/XXXX   account in my credit file, reporting it was closed, on a payment plan, no payment history, etc., which dropped my credit score way down, over 100 points. I have disputed and requested that they correct their OWN error 5 times and they refuse to correct any part of their falsely reported lies to this account. XXXX/XXXX  states my account with them is in good standing, has never been closed, was never in any Chapter XXXX bankruptcy payment plan, did not provide any derogatory remarks to TransUnion at all. My XX/XX/XXXX credit score with XXXX is XXXX, XXXX   is XXXX, and TransUnion is XXXX, so the irresponsible management of incorrect derogatory remarks are/were from within TransUnion 's own issuance, bec XXXX and XXXX have continued to receive correct in good standing status from XXXX/XXXX. I expect TransUnion to fix, correct, remove their damaging fraudulent totally untrue remarks. Bec they inflicted their errors and have refused to do the right thing to correct their wrongdoing, I won't be given the appropriate automobile insurance premium for the good credit scores of XXXX and XXXX, bec the auto insurance industry uses the criteria from TransUnion 's credit file to assess premiums, and bec of TransUnion 's lies and XXXX score, I will be penalized to pay a higher premium, through no fault of my own. It's not right to be punished for TransUnion 's irresponsible falsely recorded errors. It has caused me much anguish and more XXXX and unnecessary anxiety each time I dispute their untrue status of my XXXX/XXXX acct and they won't fix their wrongdoing. Why should I have to suffer and pay more for auto insurance due to their fault, not for anything I did to cause such a negative score?

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 2019-09-20 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: NC

Complaint narrative:
I have had very little interaction with the credit bureaus over the years, but with the recent crisis regarding identification theft, I have decided to keep a watchful eye over my personal information. My challenges and concerns have consistently been with Equifax. While Equifax 's customer service is superior, no one is resolving my issue. 

I have 4 inquiries on my XXXX report, 7 inquires on my XXXX report and 27 with Equifax! When I call Equifax to address this concern, they either redirect me to the listing company or try to promote one of their products. I have tried both and those recommendations have proven ineffective. The companies advise me to dispute it. Equifax keeps sending me back to the company. I just want this fixed! 

I do not have an account with the following listed companies. Any access to my credit report by these companies were unauthorized by me, and they are only showing up on my Equifax report : XXXX Mortgage Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX I do have an account with XXXX XXXX, but this inquiry is for auto financing. I did not authorize this inquiry. 

XXXX  XXXX XXXX from XX/XX/XXXX Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
at end of lease, turned vehicle in at XXXX XXXX, XXXX calfornia. car was in perfect condition. 

Dealer claimed vehicle to be in " great condition '' subsequenlty, BMW financial services charged me {$400.00} for undescribed " excess wear '' Tried to contact BMW financial, no success. 

at beginning of lease, had purchased policy to cover " excess wear ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX has failed to complete an investigation begun by Equifax in response to CFPB COMPLAINT XXXX regarding XXXX XXXX XXXX, account # XXXX. 
By function of credit law and procedure this fraudulent account should have been removed from this bureau 's report as it was done on XXXX and XXXX, long ago. 
THE EQUIFAX REPORT AS ATTACHED SHOWS THIS ACCOUNT '' UNDER INVESTIGATION '' YESTERDAY AFTER CLOSURE OF THE 30 DAY DISPUTE PERIOD begun by the response to the noted CFPB complaint above.EQUIFAX IS NOT HANDLEING THEIR WORKLOAD AND VIOLATES THE FCRA, to my detriment.

Company response to consumer: Closed with explanation