vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i ask to have my credit freeze removed from Experian credit co. with certified mail twice and been a month and still frozen! i have tried for days to get threw to them! I am a XXXX  senoir citizen and need to buy my lease out! i got a month before turn in! please help! these people got everything on info possible!

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 2020-05-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I had a payment with American Honda Finance scheduled on XX/XX/2020 The payment never went through and I was never notified by the company. Now, I am unable to qualify for a mortgage because of the late payment reporting on all three bureaus ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
I have 2 credit cards with Continental Financial Co. I've have tried repeatedly to enter bank info to pay one of the cards, and repeatedly been denied. This company tells me I must give them my banking info over the phone. This company already has my info for another one of their cards. Refuse to use it, again telling me I must give out my info over phone. I am now being charged late fees because their system doesn't work.

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 2020-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for CITI BANK credit cards or have I used this card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called CITI BANK XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my  exact name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for XXXX XXXX credit cards or have I used this card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since 1998. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called XXXX XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14 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: NY

Complaint narrative:
XX/XX/2019 I C system become a injury on my credit report. XXXX XXXX I attempted to pay and colllect Information on what company Imay have owe money to. I C systems could find my address or corrected  name my social security number was provided and another name pop up on there end I would like to report this as fraud and I would like this removed off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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:
In XX/XX/2020, I was notified by XXXX  through XXXX that 2 hard inquiries were placed on my credit report to open new lines of  credit with XXXX & XXXX XXXX in Michigan - a state I have never even visited or resided. These inquiries were flagged as potentially fraudulent & I was immediately notified. I responded to the messages, confirmed my identity to XXXX, XXXX & XXXX XXXX, fraud alerts were placed on all 3 credit reports and XXXX  immediately removed those hard inquiries from my account ( I can provide documentation, if requested, but will not upload at this time, as it contains NPI ). XXXX  notified XXXX  & TransUnion, to which neither took action nor contacted me. I pulled my TransUnion  report on XX/XX/XXXX and noticed there is a hard inquiry from XXXX XXXX from the date in which the fraudulent activity occurred. I tried to file an online dispute, but can not dispute hard inquires online. I was able to dispute online, and successfully remove, the fraudster 's phone number from my TransUnion  report ( it was a XXXX area code ). I have been on hold for a " specialized fraud agent '' to handle this dispute for over 4 hours now. Once XXXX XXXX  EST comes, they will shut off the phone lines, regardless of those in queue. Additionally, since these are hard pulls, they negatively impact my credit 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 2020-05-14 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: UT

Complaint narrative:
Couple issues : Major being to take or place a credit freeze on account. Not being able to correct anything except by paper and my information for questions is incorrect in Equifax system. 
I placed a freeze and then tried to remove freeze with questions and it locked it. The only way to unlock is by mail, paper. Which is this day is not timely when you are looking for places to live. Placed on hold for over an hour to talk to someone is not acceptable use of time. The information for the questions was also incorrect. 
I personally know there are other people with my name and travel with a letter from the government because of this. I am worried they are getting in formation confused. 
Other issue is the information is not up to date and the scoring is different from other companies. Why is this? 
I would like timely answers to questions and pick up of calls to be quicker. This is affecting peoples lives because they use this company that was breached not long ago. I do not feel comfortable having them responsible for credit if they are unable to answer questions timely and provide accurate information. Makes me question the credit system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$1900.00} XXXX   XXXX {$450.00} XXXX XXXX {$3100.00} XXXX XXXX {$3800.00} XXXX   XXXX  XXXX {$760.00} XXXX   XXXX {$5600.00} XXXX  XXXX  XXXX {$1100.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-05-14 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:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$1900.00} XXXX   XXXX {$450.00} XXXX XXXX {$3100.00} XXXX XXXX {$3800.00} XXXX   XXXX XXXX {$760.00} XXXX   XXXX {$5600.00} XXXX XXXX  XXXX {$1100.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Sent collections agency ( Credence Resource Management ) 609 letter to validate the debt. I did not receive any of the information  requested. The letter was dated XX/XX/2020. This well past the 30 days. XXXX  advised me that I needed to contact CFP for some resolution. Below were the information that I asked for. 

Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for SYNCHRONY BANK credit cards or have I used this card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called SYNCHRONY XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.

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 2020-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for CAP ONE credit cards or have I used this card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called CAPITAL ONE XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for XXXX XXXX XXXX XXXX credit cards or have I used this card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called XXXX XXXX XXXX XXXX XX/XX/XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: NC

Complaint narrative:
On XX/XX/XXXX, I signed a contract with XXXX XXXX XXXX in XXXX   XXXX, NC to use their venue located at XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX for my XX/XX/XXXX wedding. At the time of the contact signing, I used my Discover card and charged a deposit of XXXX ( This was the first payment charged on my Discover Card dated XX/XX/XXXX ) subsequently I made three more payments on my card as follows : DATE AMOUNT XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX In early XX/XX/XXXX, I received notification that the company ( XXXX  ) had filed for bankruptcy and closed their locations permanently. After receiving this information, I attempted to contact XXXX  and was unsuccessful. I received communication from XXXX   attorneys asking if I would consider using the venue if it was under new management, I agreed, but was later told that the company was unable to find another owner and would remain closed. I was also told that I would not receive a refund. At that time I contacted Discover and requested a dispute on the basis that I paid for a service that I could not use. I spoke with a representative and the dispute was initiated on XX/XX/XXXX. The representative told me that they would start the dispute and the company as a certain about of days to dispute the claim if they did not respond accordingly, I would receive a credit, in the meantime they offered me a temporary credit. 
On XX/XX/XXXX the credit was revoked, and I was told that I could not dispute it because the contract stated that there were no refunds. I pointed out the contract stated you could use another XXXX location if the consumer requested to cancel the event. I did not cancel my weeding, the location shut down. Then I was told that that the charges were to outdated for me to request a dispute. I replied that I contacted Discover as soon as I was made aware and had attempted to work things out with the business. Then I was told that they ( Discover ) could not fight the company themselves because they do not have anything that shows that I was entitled to any refund. I submitted a document from XXXX attorney that illustrated that I was due reimbursement. I have not heard anything from the company ( Discover ) since then. I have complied and produced everything that has been asked of me and I feel as if I have been getting the runaround from the credit card company. I think there should be some relief and protection for the customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I opened an online savings account with Marcus by Goldman Sachs XXXX and deposited $ XXXX. They dropped their XXXX and I attempted to move my money to my XXXX XXXX account. I was later notified by XXXX XXXX that the transfer was cancelled. When I sent to log onto my XXXX account, it said my account was locked and that I had to call XXXX to get it unlocked. I called the number the morning of XX/XX/20 and after waiting on hold for XXXX minutes, finally spoke to a person named XXXX. I asked that my account be unlocked and he said he would not. He said I needed to get on a conference call with one of their specialists and someone from XXXX XXXX. I told him to forget about the transfer and that I wanted immediate access to my money. XXXX refused. I asked for his last name and XXXX refused. XXXX would not unlock my account. I then asked to speak with XXXX 's supervisor. I was again placed on hold for more than 10 minutes. I eventually spoke with XXXX supervisor XXXX. I asked XXXX to unlock my account. He too refused. I asked for XXXX last name or his identification number and he also refused. I asked for his phone number and XXXX refused. I asked to speak to his supervisor. XXXX said his boss is a XXXX XXXX XXXX but that I would not be able to speak to him. Currently, my account is locked and I do not have access to my $ XXXX and I have no way of directly communicating with XXXX or XXXX or anyone else at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
To who it may concern : My name is XXXX XXXX I received letter stating that my unemployment benefit money has been loaded onto a prepaid card. I however, have not received the prepaid card nor have I received any money. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Hello, I have filed a complaint with Truist bank about funds that I did not receive. I paid for a trip through XXXX using my debit card. It was used as credit since a pin was not entered. I approved the charges but bookit cancelled my trip, without my authorization, and telling me to get refunded through my bank. Im unable to reach the merchant by phone or email since they have suspended all transactions. XXXX keeps telling me I have to go through the merchant to get refunded but they have disconnected their phones and email. This is services not rendered and am asking truist to please open my dispute back up. They keep denying my claim saying to go through the merchant. Many other customers have gotten their money back through their banks for services not rendered and used their debit card as well. Even if their trip was months away they have gotten their money back since XXXX  went and cancelled their trip and are not refunding anyone back. I have attached what XXXX is telling customers to do and how to get their money back. My trip was XXXX XXXX XX/XX/XXXX. 
Thanks, 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