vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION
State: AZ

Complaint narrative:
I recently went in and completed an interview for XXXX and we proceeded to run a background check. Everything was fine until i received the results of the background check and found that a XXXX  older than 7 years had been reported to XXXX. I filed a dispute with the company and they denied my request stating that no rule exists and as a result, I received an email today stating XXXX had declined to hire me. From the research I have done the conviction is older than 7 years which is considered " old information '' and should not have been reported. 

I live in XXXX, Arizona. The XXXX I had applied to is located in XXXX XXXX. This has all happened within this month " XX/XX/XXXX''. The dates requested are inside the file I am sending with this. 

The second file I have included shows that I was denied unemployment as a result. 

I have included a copy of the background check. Under search parameters you can see that the background check specified XX/XX/XXXX - XX/XX/XXXX as the search window then and immediately below you can see the disposition date is XX/XX/XXXX which means that there own report acknowledges they exceeded 7 years. 

The name of the background check company is First Advantage. Here is there contact information https : //fadv.com/contact/locations/

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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:
THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.

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 2019-11-21 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:
THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.

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 2019-11-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax ; XXXX and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX   XXXX  - account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I contacted the company when I lost my job. They were not willing to work with me. Automatically withdrew from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
While going thru XXXX XXXX  my son in law stole my card and charged around XXXX. To play a XXXX game from XX/XX/XXXX thru XX/XX/XXXX. I am XXXX and live on social security only. Had XXXX XXXX XXXX and big XXXX XXXX with XXXX inch incision. I would never authorize these charges. I contacted citi bank and first they took charges off but now say I am responsible to pay the charges.

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 2019-11-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
PayPal / Synchrony Bank opened a credit card in my name without my authorization.

I have cancelled my PayPal account, however this account still appears on my credit report. I have had a freeze on my credit for years and do not know how they were able to open an account without my authorization.

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 2019-11-21 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: FACTUAL DATA CORP.
State: TX

Complaint narrative:
1. There is a hard inquiry on my credit from a company named " XXXX ' on XX/XX/XXXX, 2. There is a hard inquiry on my credit from a company named " Factual Data ' on XX/XX/2019 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: CO

Complaint narrative:
I sent a letter asking for accounts on my credit to be removed. 1st letter was verified, second letter its been way past 30 days no response. I have documentation of letters being sent as well as certified mail showing they received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This is not mine please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
i had many issues with my old account being compromised. The last time the PNC bank called me telling me that i needed to go personally to a branch. We opened a new account and the old one decided to leave it open just in case my job and social security administration would deposit the money on the old account, the account had a hold. I would say in XXXX ( cant remember well ) called the fraud department so they can have removed the hold and transfer a balance that I had in my old account so I could close the old account. For my surprised, the person that I spoke with from the fraud department, told me that there was an overdraft of {$220.00}, which I dont understand why is that, when I was having a balance by that time. I went to another branch of pnc to close the old account, the person that I spoke with told me that it was not possible to close the account because of the hold on that old account, but said he would call ( Im not sure where ) to remove the hold so we can close that account and he was going to call me back. Never received the call..for my surprise, the bank transfer over {$200.00} from my new account to old account that had and overdraft ( which shouldnt be any in the first place ). My experience with PNC has been a disaster, not only my old account was comprised many times, my sons, my mothers account, but transfers funds from my new account to and overdraft that again, should have any, and on top of that, I have spoken to a person from the escalations department from PNC and they dont even cant figure out what happened on that account, told me was going to call me and yet im waiting. Im disputing the {$200.00} that was transfer from my active account. If this is not resolved, im willing to contact a lawyer. I dont feel at ease having my money with this bank. One day I have money and the next day my new account is in danger to be overdraft because of the old account? And then the application is showing the {$200.00} back again in my account and in a matter of minutes the money disappears again. Its ridiculous. I have spent hours ( during work ) on the phone trying to get this resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-21 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: FL

Complaint narrative:
XXXX  ; XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX  CARD SERVICE - account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this, however I have not been successful.

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 2019-11-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX  ; Experian and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX  CARD SERVICE - account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this, however I have not been successful.

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 2019-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This is not mine please remove ASAP

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 2019-11-21 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
This complaint is in regards to account with XXXX XXXX XXXX  which was charged off and sold to a debt collector in XXXX. The debt collector was XXXX XXXX XXXX, XXXX. I paid the balance in full and received a letter confirming that my account was closed/paid in full on XX/XX/XXXX ( attached ). I have filed a dispute with Experian to update my account. Experian only updated my account to show that it was placed in collection in XXXX of XXXX ( attached ), which makes matters worse. Additionally, XXXX  will not update my account information ( attached ). I have made all attempts to resolve this matter and will need further assistance.

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 2019-11-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I paid my mortgage in XXXX on the XXXX I was told I would be charged a late fee because of time zone difference the bank is located in the XXXX XXXX. I complained spent wasted time talking to managers and they finally removed the late fee. I'm sure they have charged several others who didn't complain. In XXXX I paid the bill on the XXXX a Saturday. I received a harassing call on Monday evening from the collections department. I spent hours being bounced around trying to determine if the call from Monday was actually from Flagstar Bank. I was concerned because on XXXX  when I returned the call to this unknown unpublished number XXXX. I was asked to give my loan # and XXXX. I of course refused. I then hung up and called a known number for them. I was transferred to collections. I was asked irrelevant questions regarding the matter such as do you live in the property, is it a rental, and is it rented out? I was taken aback by the questions because in all my 30 years of owning property no bank has ever asked me that. I now believe the bank may be providing that personal information to other interested parties/investors looking to prey on the public. I hope this matter is looked into as this is very alarming. I have gotten several unwanted calls from investors who say they have gotten my information from sources like the bank.

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 2019-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I HAVE DISPUTED THESE ACCOUNTS WITH NAVIENT OVER AND OVER AND OVER I HAVE NOT BEEN LATE ON MY LOANS. I HAVE ALWAYS KEPT MY ACCOUNTS IN A POSITIVE STATUS. 

I HAVE ASKED NOW I AM DEMANDING THESE ACCOUNTS BE REMOVED FROM MY CREDIT FILE. I WANT THE LATE PAYMENTS REMOVED AS WELL AS I WANT THE ENTIRE ACCOUNTS DELETED FROM MY CREDIT FILES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
The only service any of the three credit reporting companies offer is the opportunity to dispute information in the credit report, but this complaint is about how the credit score is actually generated. 

Its a programming issue inasmuch as all three companies apparently use the same or similar key factors ( Att 1 p. 1 & 2 ), but in my case those key factors do not track with my credit reports, " Your credit score ... reflects the number in your consumer report '' notwithstanding ( Att 1 p. 2 : X'ed block ). 

For examples, factor 00011/01 : Amount owed on ( Revolving ) accounts is too high is a report Debt-to-Credit ratio of 4 %, 028 Number of Established Accounts is 03 Too Few Bank/National Revolving Accounts IS MY CHOICE, 10/010 : Proportion of Balances to credit limits is a variant of 00011, and 014 length of time accounts have been established is reported as a 21 year average in a 30 year credit history. 

" Know how to get rich? Spend less than you make. ''

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 2019-11-21 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:
THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and BMW/ XXXX XXXX XXXX have reported late payments to the 3 credit reporting agency. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
Ability Recovery services have created a derogatory account on XX/XX/2019 and XX/XX/2019 according to XXXX. On XX/XX/2019 I have sent them, through mail, a letter explaining why I believe that the debt is not owed by me. The company has not responded to the letter. You can also note that there are multiple lawsuits against this company, with the complainants winning their lawsuits. 

The letter was as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2019 CERTIFICATE OF MAILING Ability Recovery Services , LLC XXXX XXXX XXXX XXXX, PA XXXX Re : Your Abusive and Malicious Conduct Dear Sir/Madam : I am disputing the alleged debt to XXXX XXXX. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the City of XXXX XXXX,  verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. 

I dispute this debt because I do not owe this debt. As someone who currently attends University XXXX Pennsylvania XXXX XXXX, it is highly unlike that I would attend XXXX XXXX, a school that is often attended by those without high school diplomas. 

Because I am disputing this debt, please notify the credit reporting agencies that the debt is disputed and delete the tradeline from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. 15 U.S.C. 1692, et seq.

Aside from verifying the debt, do not contact me about this debt. The FDCPA requires that you honor this request. 47 U.S.C. 227, et seq. Thank you.

Sincerely, 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 2019-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: C & M Associates Group, Inc.
State: GA

Complaint narrative:
In the years of XX/XX/XXXX-XX/XX/XXXXsome stole my identity and proceeded to get credit cards taken out under my name. I was unaware until I started to receive calls about money I owed. At this point I check my credit report and found many cards and accounts opened that I never applied for. Next, I went and filed a police report and signed an affidavit stating the charges made under my social number were not mine. The police report is dated XX/XX/XXXX and XX/XX/XXXX case number XXXX ; Agency ID XXXX. If this point I reach out to all the companies that were not my accounts and got letters stating the debits would be removed and I would not longer be bothered. Just to name some of the other accounts that were Identity theft account XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX. All the accounts were closed and never heard from again except for XXXX XXXX   this account was never closed and marked as identify theft since every year since XX/XX/XXXX I have received a call from a lawyers office stating I owe the money and that a judgement is being filed against me. I proceed to send them Police report, Signed Affidavit and letter from XXXX stating they have removed the debt. Normally they say OK and sorry to have bothered you. But now I have another company threating me again saying they have all information and yet are still going to proceed with the judgement so for 17 years I have been harassed by these companies due to XXXX  not standing by the letter they sent us and keep selling off a debt I do not owe. Also I would like to note that when this was all happening my personal information the credit report companies have a lot of misinformation such as wrong birth dated, wrong mailing address, and said I was married and at the time I was not and never had been. At this point I am not sure what needs to be done since I have done everything I was told to do and yet nothing has changed. And finally I have never received an email or letter saying I owe a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
When i paid off my loan with Honda, I was told there was a balance left for taxes and fees in which i paid off in full XX/XX/2019. Then recently i get an updated credit report and they put a 30 late on my credit file for the month of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I am not behind on this company I current use this company and have no outstanding debt.

Company response to consumer: Closed with explanation