vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX I pulled my free annual credit report, after going over my report I discovered someone or persons, has used my likeness to open accounts without my authorization. The following accounts are fraudulent. XXXX XXXX opened XX/XX/XXXX with charges of {$16000.00}, XXXX opened XX/XX/XXXX with charges of {$410.00}, XXXX XXXX opened XX/XX/XXXX with the charges of {$1500.00}, XXXX   XXXX XXXX opened XX/XX/XXXX with charges of {$4000.00}, XXXX opened XX/XX/XXXX with charges of {$6000.00}. I have filed a complaint with the FTC please see attached complaint 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 2020-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
Robo calls at all times of the day and night, Keep asking them to mail support evidence that I owe them anything and they keep opening collections on ghost balances I do not them anything and want them to stop harassment and using my social security number as their dumping grounds. They failed to mail me any supporting evidence and when I tell them to stop they call even more, sometimes it is a person that has a heavy XXXX accent and can not understand them. 
I am sure I am not the only one with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: ID Analytics, Inc.
State: IL

Complaint narrative:
I have been trying on multiple occasions to receive my pin for my credit freeze requested through SageStream since XX/XX/XXXX. I originally requested the freeze through the website electronically and after waiting some weeks, I then requested a freeze via fax on XX/XX/XXXX. It is now XX/XX/XXXX an I have still yet to receive my pin. SageStream does not answer calls nor do they call back after leaving multiple messages on their answering service. There is no live person to speak with regarding this matter. This issue is severely affecting my ability to proceed with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX I paid {$560.00} to XXXX XXXX XXXX AZ for personal training sessions. I was supposed to have 9 sessions to use that never expire. Due to work and scheduling conflicts I was unable to use the training sessions in XXXX and in XXXX the trainer quit so there was no way for me to use these. In XX/XX/XXXX the gym closed down abruptly and I tried multiple times to get a refund for the unused sessions. The gym never contacted me back and so I reached out to my bank which is BBVA on XX/XX/XXXX to file a dispute to get the money back. XX/XX/XXXX I found out that my claim was not filed properly or for the proper amount despite me telling them how much I was disputing and why. I have now had to file another claim for this but my concern is their lack of care in trying to resolve this for me and get my money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Back in XXXX of XXXX, I submitted a formal complaint with Experian regarding credit inquiries that had appeared on my file without consent, and names/addresses that do not belong to me. 

Then sent back their " canned '' response stating " Inquiries are a factual record of file access ''. I then called Experian in early XXXX ( about 9 days after this letter was received ),  which a female on the other end indicated they would " check into it ''. Nothing came to fruition. No personal information changed. 

My information was compromised in several breaches. Experian can not assume that XXXX  data that was stolen will not be used to apply for credit where Experian data is pulled. Furthermore, three of these appear to be business credit products of some sort. 

These inquiries must be removed : XXXX/XXXX - XX/XX/XXXX XXXX , XXXX. - XX/XX/XXXX XXXX- XX/XX/XXXX EXPERIAN XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX, XXXX. - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX Experian does not have my correct address! These are NOT addresses associated with me : XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 non-monetary relief
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
During my brief marriage to XXXX XXXX XXXX of the XXXX, GA area, he fraudulently secured credit cards in my name by forging my signature. I now have a situation where a credit management company is trying to garnish my work wages as a result of this fraudulent activity. The company is : Midland Credit Management Inc. The MCM account number is XXXX and the telephone number is ( XXXX ) XXXX. Filed under my name XXXX XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I responded to an add for a puppy. The company used to deliver the puppy kept asking for all kinds of fees. I paid them then was told my puppy had died at the hands of an experienced vet technician. I was told that my money would be refunded and that the amount the puppy was worth would be refunded 5x the value. I paid for insurance 3x delivery charges 3x and customs charges 3x and never saw a sent every time I was supposed to get the money they kept asking for more.

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 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
This information reporting on my reports and to third party creditors I dont know the addresses or information listed on the report it is not mine. And my name is even inaccurate.I couldn't obtain XXXX or XXXX  they wouldn't give me my free report they report to outside agencies. I am disputing this information. Its preventing me from getting proper housing. 
XXXX, XXXX, OH XXXX, XXXX, TXXXXX-XXXX, XXXX, NCXXXX- XXXX, XXXXXXXX , TXXXXXXXXX-XXXX, XXXX  , TXXXXX-XXXX, XXXX , TXXXXXXXXX-XXXX, XXXX , FLXXXX-XXXX, XXXX , FLXXXX-XXXX, XXXX , NCXXXX XXXX, XXXX , OHXXXX XXXX, XXXX , NC 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 Never done business with these companies XXXX # XXXX CHOICE RECOVERYINC # XXXX ,XXXX listed twice with misspelled name

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: CA

Complaint narrative:
I have been trying since XXXX to get my XXXX XXXX Card Services ( Visa account ) added to my Trans Union Credit Report. Both XXXX  and XXXX have included it correctly on their reports. In fact, their entire reports are correct. I have 3 letters from XXXX XXXX  showing that they have contacted Trans Union regarding this matter. NOTHING EVER HAPPENS! Year after year I request a new report and Trans Union sends one. However, My XXXX 's account is NEVER ADDED. Trans Union is also missing my XXXX XXXX XXXX XXXX XXXX account. I have not taken up that issue, since the problem has been going on since only XXXX. If I can't get the XXXX XXXX account corrected in eight ( 8 ) years, what chance do I have in getting a somewhat more complicated ( more paperwork needed ) issue completed in a mere four ( 4 ) years. I'm almost XXXX years old. I back-off from this issue every so often because I lose faith in the hope of actually getting it completed. My scores are fine, but I'd like the agencies to ALL reflect my accounts accurately. Is that too much to expect? Please tell me what I can do about this issue. Thank you in advance for your help.

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 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX I pulled my free XXXX XXXX XXXX. After going over my report I discovered someone or persons, has used my likeness to open accounts without my authorization. The following accounts are fraudulent. XXXX  account opened XX/XX/XXXX with charges exceeding {$5000.00}, XXXX XXXX opened XX/XX/XXXX with charges of {$1300.00}, XXXX XXXX XXXX opened XX/XX/XXXX with charges of {$6100.00}, XXXX XXXX opened XX/XX/XXXX with charges of {$1100.00}, XXXX opened XX/XX/XXXX with charges of {$410.00}. I have filed a complaint with the FTC, please see attached complaint report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXX I pulled my free annual credit report.  After going over my report I discovered someone or persons, has used my likeness to open accounts without my authorization. The following accounts are fraudulent. XXXX  account opened XX/XX/XXXX with charges exceeding {$5000.00}, XXXX XXXX opened XX/XX/XXXX with charges of {$1300.00}, XXXX XXXX XXXX opened XX/XX/XXXX with charges of {$6100.00}, XXXX XXXX opened XX/XX/XXXX with charges of {$1100.00}, XXXX opened XX/XX/XXXX with charges of {$410.00}. I have filed a complaint with the FTC, please see attached complaint 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 2020-03-02 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: FL

Complaint narrative:
On XX/XX/2020 I submitted my annual repayment request to renew my income based payment. I submitted my paystub that was dated within the 90 day period. I also receive social security income. The letter I received from social security does not have a date on top of the letter stating the date the letter was issued. However, the body of the letter details the payment amounts for 2020 beginning on XX/XX/2020, which is well within 90 days of the XX/XX/2020 application date. I received correspondence from Navient advising that they are rejecting the letter from social security since there was no date on top of the letter. I called and spoke to a representative on the phone on or about XX/XX/2020. The representative advised that I was correct and the letter body contained the necessary information and submitted a request to have the reps re-review the document and accept it and if not, they would base my payment amount on my paystub income. She told me to look out for the document that would advise of my new payment amount. However, the letter the I received rejected the document again and then increased my monthly payment to over {$1000.00} per month, which is almost equivalent to my monthly income based on their rejection of my document although I can not require the social security administration to include a date on the top of my letter. When I asked what documents they would accept, they advised employer letter on employer letter head, pay stubs or W-2s, none of which are issued by the social security administration. I am jsut trying to be completely honest and transparent regarding my income so that I can pay the proper amount and they are doing everything in their power to reject my efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: DISCOVER BANK
State: SC

Complaint narrative:
I had my Discover credit card stolen during holiday season. The first charges beginning on XXXX XXXX  of XXXX. During a 2 week span over 3,000 dollars was taken off of the card. Once I received notification that some charges were suspicious, I went online ( after having to reset my password because I could not login ) and froze my card and reported it lost/stolen. I was unde the assumption that once I report the card loss/stolen the company would reach out to me. After a couple of days of not hearing from them, I chatted with customer service which told me I needed to call fraud protection. I called and reported what happened and later agreed to signing a form to consent to investigation and to contact the police. I signed the form sent it in. I spoke with the police they said that due to the holidays and the crowds it would be difficult to track down the exact person and it would take time. Fast forward to XX/XX/XXXX I received a letter saying there wasnt any fraudulent activity. I spoke with a lady on the investigation team is saying it has to b someone close to me and is pushing me to press charges even after I told her there is no one that admitted to doing anything. She is saying that that is the only way that I would avoid having to pay the card back. Theyre not wanting understand my case because of the amount. I dont know who did this to me and I may never know but I dont want to be held responsible for something I did not do! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX I pulled my free annual credit report,  after going over my report I discovered someone or persons, has used my likeness to open accounts without my authorization. The following accounts are fraudulent. XXXX XXXX opened XX/XX/XXXX with charges of {$16000.00}, XXXX opened XX/XX/XXXX with charges of {$410.00}, XXXX XXXX opened XX/XX/XXXX with the charges of {$1500.00}, XXXX XXXX XXXX opened XX/XX/XXXX with charges of {$4000.00}, XXXX opened XX/XX/XXXX with charges of {$6000.00}. I have filed a complaint with the FTC please see attached complaint report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX I pulled my free annual credit report, after going over my report I discovered someone or persons, has used my likeness to open accounts without my authorization. The following accounts are fraudulent. XXXX XXXX opened XX/XX/XXXX with charges of {$16000.00}, XXXX opened XX/XX/XXXX with charges of {$410.00}, XXXX XXXX opened XX/XX/XXXX with the charges of {$1500.00}, XXXX XXXX XXXX opened XX/XX/XXXX with charges of {$4000.00}, XXXX opened XX/XX/XXXX with charges of {$6000.00}. I have filed a complaint with the FTC please see attached complaint 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 2020-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I had a car loan with XXXX XXXX XXXX XXXX in XXXX of XXXX for my new XXXX XXXX XXXX which matured after paying on time for 6 years. On a Sunday morning, XXXX of XXXX after my account showed that it had matured, XXXX XXXX sent a repossession tow truck to come get my vehicle stating that I still had a balance on a loan that was paid off and took my vehicle. I did pay whatever I owed which was late fees to get my vehicle back and now XXXX XXXX and all three credit bureaus are reporting my vehicle as a repossession which is now causing me to not be able to obtain credit on another vehicle. I did owe some late fees in which I had all intensions of paying, however, this doesn't justify a repossession on late fees. I need this investigated as I am now frustrated with the damage that it is causing to my credit as well as trying to resolve it on my own and calling XXXX XXXX XXXX XXXX and getting nowhere and being continuously hung up on.

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 2020-03-02 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: NJ

Complaint narrative:
I had a car loan with XXXX XXXX XXXX XXXX in XXXX of XXXX for my new XXXX XXXX XXXX which matured after paying on time for 6 years. On a Sunday morning, XXXX of XXXX after my account showed that it had matured, XXXX XXXX sent a repossession tow truck to come get my vehicle stating that I still had a balance on a loan that was paid off and took my vehicle. I did pay whatever I owed which was late fees to get my vehicle back and now XXXX XXXX and all three credit bureaus are reporting my vehicle as a repossession which is now causing me to not be able to obtain credit on another vehicle. I did owe some late fees in which I had all intensions of paying, however, this doesn't justify a repossession on late fees. I need this investigated as I am now frustrated with the damage that it is causing to my credit as well as trying to resolve it on my own and calling XXXX XXXX XXXX XXXX and getting nowhere and being continuously hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: NJ

Complaint narrative:
I had a car loan with XXXX XXXX XXXX XXXX in XXXX of XXXX for my new XXXX XXXX XXXX which matured after paying on time for 6 years. On a Sunday morning, XXXX of XXXX after my account showed that it had matured, XXXX XXXX sent a repossession tow truck to come get my vehicle stating that I still had a balance on a loan that was paid off and took my vehicle. I did pay whatever I owed which was late fees to get my vehicle back and now XXXX XXXX and all three credit bureaus are reporting my vehicle as a repossession which is now causing me to not be able to obtain credit on another vehicle. I did owe some late fees in which I had all intensions of paying, however, this doesn't justify a repossession on late fees. I need this investigated as I am now frustrated with the damage that it is causing to my credit as well as trying to resolve it on my own and calling XXXX XXXX XXXX XXXX and getting nowhere and being continuously hung up on.

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 2020-03-02 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I was o my credit monitoring site and I noticed a fraudulent account that I had no knowledge of I would like for this accounts that I'm gone put in this complaint that I had no knowledge of I would like for this account to be removed off my credit report because its affecting my credit.

Company response to consumer: Closed with explanation