vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Controlled Credit Corporation
State: OH

Complaint narrative:
Have repeatedly asked this company to stop contacting me and they still continue to do so. Most recently contacted them on XX/XX/XXXX at XXXX XXXX ( please see attached screenshot ) to yet again tell them to stop contacting me. They said my account was noted. Today I received yet another letter in the mail ( XX/XX/XXXX ) dated for XX/XX/XXXX, a day after I asked them yet again to not contact me. Please see attached screenshots. They have called my work repeatedly after requesting them not to. They constantly call my phone and send me letters in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: SC

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-03-01 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have repeatedly disputed a collection from a collection agency to Experian that is not a the amount is {$2600.00} from 2016.

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 2020-03-01 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THOSE ACCOUNT AND I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT. BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THE ACCOUNTS WERE NOT AUTHORIZED BY ME.

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 2020-03-01 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THOSE ACCOUNT AND I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT. BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THE ACCOUNTS WERE NOT AUTHORIZED BY ME.

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 2020-03-01 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THOSE ACCOUNT AND I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT. BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THE ACCOUNTS WERE NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NJ

Complaint narrative:
Company : Flagstar Bank , FSB. XXXX, MI Date : XX/XX/XXXX Action : - Requested a pay-off statement, to pay down the rest of my mortgage balance. 
- Received a pay-off statement on XX/XX/XXXX, valid through next day XX/XX/XXXX, which stated the amount I need to pay Flagstar Bank , FSB to payoff my mortgage. 
- Made an over the phone payment of full amount, from my bank a/c, on XX/XX/XXXX. 
- Specialist on the phone said no further action on my part is necessary. 
- My mortgage has been paid down in full. 
- Monthly auto-payments from my bank would be stopped, Further Actions, 2 months later in XX/XX/XXXX : - Received 3 calls, from collections, saying that I did not make monthly payments on my mortgage in XXXX. 
- When I tried to explain, that I can't have an outstanding balance on a fully paid down mortgage, the agent on phone said they don't want to hear about it. They need me to make a payment. 
- Received a letter, by mail, that if don't make monthly payment by end of XXXX, my a/c would be in default and subject to reporting to credit rating agencies. 
- I called customer service 3 times & explained the situation. 
- They said they can print a new pay-off. But the statment contained interest payments on outstanding balance and fees which I have already paid.

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 2020-03-01 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: NC

Complaint narrative:
I had subsidized and unsubsidized loans with Navient from XXXX to XXXX. When I signed on in XX/XX/XXXX it said the student loans had been paid in full. I never received any correspondence from the company again. I thought it could be part of the lawsuit where loans were being excused. Fast forward to approx XXXX my loans are now almost {$18000.00}, and were bought out by another company. So that is almost {$5000.00} more, and I was also considered in default. I do not believe this is fair! I can hardly afford the payments as is! They should not have been allowed to do this and not notify me! I work hard, and still can not afford the payments.Why should I have to pay all this extra interest and fees?!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
I am behind a few payments on a personal loan. This company despite trying to work with me over the phone continues to send me threatening letters saying they are accelerating my loan if all past due amounts arent paid. They said theyd do it by XX/XX/XXXX now they are saying theyll do it by XX/XX/XXXX. This is despite me making payments and trying to bring my account current. Their reps tell me 120 days until a charge off but their threatening letter say otherwise. Aside from this, repeated calls and emails to an excessive level. This is a very unprofessional company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I made a complaint against bank of america on this website. They uploaded documents with a title that made it seem as though my personal information was redacted. In fact, even titled " enclosures redacted. '' I was shocked to find the information enclosed was 100 % not redacted and my bank is not only incompetent in all other regards but now is sending out documents with my personal information. As the complain for the previous issue gets posted publicly on CFPB I now have serious concerns about the security of my personal information. I think it clearly states to de-identify submissions which I did with my uploads. Despite this website 's scrubbing process, someone may be able to identify me based on their carelessness! Please contact me asap regarding the breach of privacy.

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 2020-03-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Two hard inquires are showing up on my Equifax credit report. They are both dated XX/XX/20. Neither of the named entities had authorization to pull my credit report and I want these two hard inquiries removed. I also want the personnel responsible for initiating these two hard inquiries prosecuted since this is a violation of the FCRA. The two hard inquiries at issue are : 1 ) Credit Inquiry - XX/XX/2020 - XXXX XXXX AND 2 ) Credit Inquiry - XX/XX/2020 -   XXXX XXXX XXXX I did not authorize either of these entities to do a hard ( or soft ) inquiry on my credit file. When I attempted to submit a complaint through the Equifax website, it would not accept my complaint and instead an error message came up stating that it could not confirm my identity ( so it wouldn't accept my complaint ) even though I answered all of the verification questions correctly. All of the verification questions dealt with non-existent accounts. 

This complaint should be split into two, one for each unauthorized creditor listed above ( XXXX XXXX and " XXXX XXXX XXXX '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
To whom it may concern RE : XXXX XXXX Account XXXX This is the 3rd time a 3rd party debt collection such as yourself ( MIDLAND CREDIT MANAGEMENT ) has  attempted to collect on this account that was never verified under OHIO LAW 1319.12 ORC Taking assignment of Debt. 
( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency.

( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection.

( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Initial disputes for 3 fraudulent charges on my Bank of America Visa card on XX/XX/XXXX & XX/XX/XXXX. 
Notified Bank of America & they resolved by crediting the fraudulent charges & cancelling my credit card & issuing me a new credit card. 
Next statement with new credit card, there was another fraudulent charge of {$200.00} for an on line purchase from one of those same companies, XXXX XXXX. 
This time when I notified Bank Of America of the additional fraudulent activity, I was told they probably gave XXXX XXXX my new credit card information which doesn't make any sense to me. They told me to contact the vendor, XXXX XXXX, to resolve even though I never dealt with them before. 
I contacted XXXX XXXX through email & she cancelled the fraudulent account that some one set up with my credit card information. She said she couldn't credit me for the {$200.00} fraudulent charge because a package was sent to me even though I never ordered or received anything. She told me to notify Bank Of America of the fraudulent charge, which I did. 
Bank of America never identified the second charge as fraudulent & even charged me interest on the disputed portion of my statement. 
The next month, I paid the disputed charge so that I wouldn't be charged any additional interest or late fees. 
On XX/XX/XXXX, I sent Bank of America a final letter advising them of this & asked to have my credit card cancelled because of this. 
I have copies of all correspondence to verify my claims.

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 2020-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I been a Synchrony bank/ Amazon store card customer since XX/XX/XXXX. Ever since the account was opened, the conditions of the account have been followed and every payment has been made on the timely bases. In any case, as of XXXX of XXXX I been unable to use the account despite the account having an available credit of {$5000.00}. I have updated and recheck the card information several times and everything appears to be in order. However, synchrony bank/ Amazon has continued to decline my orders and as with many of their credit cards issued by them.Synchrony bank/Amazon has engaged in what I consider to be a questionable practice, one which I consider to be in violation of my civil rights and any law that appeals to fair credit practices. I have filed complaint before and the issue doesn't appear to be going away in fact it appears to be getting worse. I have included account snap shot with the order information and dates. Also note that the last intended use of such account was XX/XX/XXXX and for reasons unknown to me continues to be denied up till this date.

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 2020-03-01 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: DISCOVER BANK
State: MI

Complaint narrative:
I have reach out to company directly via mail, email and via the XXXX. I recently lost my wallet 3 months ago and now notice several things on my credit report. I have advise Discover it is not mine they reply with : upon investigation an credit application was submitted. '' I do not understand what that mean or how this investigation was conducted to verify the validity of this application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: C&H INVESTMENTS, INC.
State: TX

Complaint narrative:
I purchased a new XXXX motorcycle in XXXX for {$20000.00}. I paid on the bike until the summer of XXXX  at which time the bike was returned to the lender. My payments were approximately {$530.00} a month.I paid over {$15000.00} on the bike, they have the bike in their possession ( since XX/XX/XXXX), they are stating I owe them over {$5000.00}. They also have inaccurate information on all 3 of my credit reports, XXXX, XXXX  and XXXX. They did not provide any written information that the bike was Commercially sold, auctioned, nor did they provide a Balance Deficiency Letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN SEVERELY HINDERING MY CREDIT WITHOUT MY KNOWLEDGE. THOSE ACCOUNTS HAVE BEEN REPORTING INACCURATELY AND I REQUEST THAT THOSE DEROGATORIES BE INVESTIGATED AND BE REMOVE 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 2020-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I am in debt with a clothing store, I have answered the phone calls and I have kept my same phone number the entire time. Out of no where I got a call from my grandmother who was livid about the debt. She left a voicemail which I do have as proof, I will have to find it to have the exact time and date of everything. But it is proof due to the fact that the debt collector told my grandmother of the SPECIFIC AMOUNT I OWED AND IF SHE COULD PAY IT. 

This is extremely illegal. I asked the company aka Portfolio about the situation and they couldnt have been bothered to help. They only filed a complaint. With not taking any responsibility behind it. This was extremely personal and embarrassing. I am planning on suing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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