vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-12 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
For over a year, I have disputed Accounts being reported for over 7 years, duplications, etc.. and cited the seven year reporting law. It not only continues, but XXXX  verifies account. CLOSED STATUS AND DATES ARE IGNORED.. 
Some of these accounts were closed by me, have a XXXX  balance, never late, and these accounts continue to appear, and the duration stated that they will continue to appear, are years into the future. 
1. TJ Maxx/syncb Opened:XXXX, closed by me, with a XXXX  balance XX/XX/XXXX. Eight years since I closed it. 
2. XXXX XXXX XXXX Closed by me, in XXXX, 9 years ago, with XXXX balance. 
3. The same situation for XXXX XXXX XXXX XXXX XXXX. 
4. XXXX XXXX XXXX, paid as agreed, closed seven years ago. 
5. XXXX XXXX XXXX, opened and never used. Forgot I had it. Closed account due to inactivity. 
6.XXXX XXXX  Over 7 years. Closed and paid in full. 
. 
THIS ACCT NO. APPEARS TWICE on some reports. 
7. XXXX  XXXX Charged off, written off and now reports past due. Seven year deadline has past on this Account. 
8. XXXX XXXX : Cllosed. 
Opened in XXXX. Exceeds seven years. Wrote off, charged off and sold to XXXX XXXX. Both XXXX XXXX and XXXX XXXX appear on report, in XXXX separate sections for same account. XXXX XXXX, XXXX has growing balance, late payments, and No Bill 's received. I see this as double dipping. 

The list goes on and XXXX  fails to have the seven year deadline enforced, etc.. The person at these toll free numbers don't recognize account because too old : XXXX, XXXX, etc., and can not help. 

9. Note : when my wallet " stolen, '' I called it in, and new account numbers were issues with replacement cards, some of which are the multiple XXXX XXXX cards, and XXXX XXXX cards fall. Count II : over seven years. 

10. The same account can not appear twice : XXXX XXXX, charged off, wrote off and sold my account, profited by selling it to XXXX XXXX, XXXX, who increases my balance, treats the account as open, and states late. 
XXXX  XXXX : over 7 years of Reporting. 

Law requires seven year reporting to Credir Bureaus. Immediate removals are required to All three : XXXX, XXXX  and XXXX. 

XXXX  is tremendously lower than other two. That should not be. Told huge pint increases, over 70 points, in some, yet the SCORES do NOT REFLECT THE INCREASE, as it should. I can not get an apartment because of this. 
I can't build credit because of this. Damages are accruing. 
Please review and require immediate correction.

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 2020-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I wanted to try to transfer and withdraw my funds but my account got locked. I have bills that need to be paid and I will be homeless  and I won't be able to feed my children. This needs to be resolved immediately. I contacted cash app on XX/XX/2020 at XXXX XXXX. On cash app they say it will take 24 to 48 hours to contact me back and they haven't done so. I tried to send XXXX to a colleague of mine and it declined. After it declined and I tried to withdraw then that's when they locked my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I attempted to first close my Citi Bank credit card online and was not able to do so. I kept getting the message to contact us. This is usually an attempt to high pressure you into keeping the card. I am no longer interested and keeping the card I wanted it to state closed as XXXX by customer on my credit report. My first call to an female rep. is where she hung up on me pretending to have a bad connection or something. I hung up and called again. This time I got an male, I explained I would like to close my account. He than went into a song and dance, he needed this and that. Asking the name of my pet! I do not have a pet all this I guess, for security reasons. I have never been through anything of this nature trying to close an account in good standing. In my heart of hearts, I believe it was a build up to pressure me to keep the card. I would like help in closing the credit card and I really do not care to deal with these people again. i will pay the balance off as fast as possible. Thank you for you 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 2020-07-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Unauthorized inquiries on my XXXX  report, I have written to companies and no results taken XX/XX/XXXX XXXX XXXX I did not authorize this inquiry XX/XX/XXXX to auto finance I did not authorize this inquiry XX/XX/XXXX XXXX XXXX  action I did not authorize this inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize this inquiry Capital one XX/XX/XXXX I did not authorize this inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Please be advised I have requested validation and " verification '' of 5 items reported by FirstPoint Collections Resources for XXXX XXXX. 

FirstPoint Collections Resources did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I will proceed with legal action as prescribed by law against the above named original account holder and collection agency should these items not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have submitted a letter of cease and desist to Portfolio Recovery on XX/XX/2020 after receiving about 100 calls in the last 6 months, to only contact me by mail communication. I have been constantly receiving harassing calls from this company from different local area codes, I have made them aware of the letter that was sent to them and they have neglected my plea. I recently found out that I am able to file a complaint with the FTC. I have documented numerous calls with times and dates and some of the representatives names to keep for my records : XX/XX/2020 at XXXX XXXX  XXXX XXXX, XX/XX/2020 at XXXX XXXX  XXXX XXXX, XX/XX/2020 at XXXX XXXX  XXXX XXXX XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX. Please help me resolve this situation. I have also requested a debt validation under FDCPA sec. 809 ( b ), and they have failed to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
I checked my credit to see an account from the receivables for XXXX. Lost my job and became unemployed. Fell behind on payments and account went to collections.

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 2020-07-12 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: PCR Group
State: MI

Complaint narrative:
account adjustment beareu showing a collection that they stated to me over the phone as closed, but still reflects on my credit report the debt should be closed on my report because I filed for bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Valentine and Kebartas, Inc.
State: NY

Complaint narrative:
The company is Valentine and Kebartas LLC XXXX XXXX  XXXX XXXX, MA XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX They lied to me and said they had a gift and great news for me and then she said it was illegal not to pay my bills. I explained to them that both my cards were stolen from XXXX XXXX XXXX  and they did not help me resolve the balance and this company said they did not care and threatened to put the account on my credit report although XXXX XXXX has charged the account off. 

If the account is charged off why is this company harassing me and i had nothing to do with them. I am XXXX  and XXXX and on XXXX so can not pay XXXX XXXX back but offered to make payments and not they are saying it is too late because the accounts are charged off. 
XXXX XXXX XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: TX

Complaint narrative:
Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Automobile Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 83 Months Monthly Payment {$480.00} Responsibility Individual XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor 12 XXXX  XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$450.00} High Balance {$450.00} Remarks Placed for DEPTEDXXXX Account Type Student Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Balance {$1900.00} Highest Balance {$1700.00} Payment Status Current Worst Payment Status 90-119 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due XXXX XXXX  Times XX/XX/XXXX Days Late XXXX ALL ACCOUNTS FROM STUDENT LOANS ARE FTC AND ACCOUNTS

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 2020-07-12 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: TX

Complaint narrative:
Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Automobile Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 83  Months Monthly Payment {$480.00} Responsibility Individual XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor 12 XXXX  XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$450.00} High Balance {$450.00} Remarks Placed for DEPTEDXXXX Account Type Student Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Balance {$1900.00} Highest Balance {$1700.00} Payment Status Current Worst Payment Status 90-119 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due XXXX XXXX Times 30/60/90 Days Late 0/0/ ALL ACCOUNTS FROM STUDENT LOANS ARE FTC AND ACCOUNTS

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 2020-07-12 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: TX

Complaint narrative:
Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Automobile Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 83  Months Monthly Payment {$480.00} Responsibility Individual XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor 12 XXXX  XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$450.00} High Balance {$450.00} Remarks Placed for DEPTEDXXXX Account Type Student Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Balance {$1900.00} Highest Balance {$1700.00} Payment Status Current Worst Payment Status 90-119 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due XXXX XXXX   Times 30/60/90 Days Late 0/0/ ALL ACCOUNTS FROM STUDENT LOANS ARE FTC AND ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To whom it may concern There are a few accounts that are on my credit report that should not be there. The credit bureau stated that they did an investigation and the information was Verified. I sent them additional letter a few weeks ago requesting verification information ; such as the person who verified the information, their position with the company and the date and the phone number so I can follow up with said person who verified it.

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 2020-07-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Social Finance, Inc.
State: AZ

Complaint narrative:
A complete fabrication of so called " help '' during the Covid-19 Worldwide Pandemic, and taking advantage of their borrowers. SOFI does NOT care if you are in hardship due to Covid-19. Their only concern is to make more money. At first, they offered no help/forbearance at all, but buckled under pressure after Federal Student loans offered help while Private Student loans did not. So they changed their tune to " want to help '' by allowing a 2 month Forbearance, however on the caveat that you would still be accruing interest every day and only get a break on 2 months principle on the back end ( that tells you something right there ). The SOFI reps ( 2 reps, 2 calls ) were very clear that the interest would be paid be paid over the length of the loan. A 3rd rep also had that understanding. XX/XX/XXXX we find out - surprise! Interest payments to be up PAID front over the next 3 months to the tune of an add'l ~ {$1400.00}! And they raid the monthly payment on top of that! They flat out LIED to us. Be cautious. We have been with them for 5 years ( XX/XX/XXXX), with 2 Loans ( Parent & Student ) that started at $ XXXX. They have made a TON of interest ofs of us in those 5 years. We have seen the progression from a Company with XXXX founders, that seemed to really want to help ( Social Financing ) to another greedy large-scale Corporation, making more money off the backs of our youth and future of this Country. XXXX is their cohort, we found that out as we struggled to fight for our rights with them. At the end, they & XXXX do not care to stand by their word, or help their borrowers in need during a worldwide PANDEMIC. They said they may consider that in the future, but for now sorry nothing we can do about it. Yes, that is true. Maybe thats how you pay for a new SOFI XXXX Stadium in LA and for all those commercials on TV. Shame on them!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques
State: CA

Complaint narrative:
The only source of communication of this lawsuit was by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To whom it may concern There are a few accounts that are on my credit report that should not be there. The credit bureau stated that they did an investigation and the information was Verified. I sent them additional letter a few weeks ago requesting verification information ; such as the person who verified the information, their position with the company and the date and the phone number so I can follow up with said person who verified it.

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 2020-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To whom it may concern There are a few accounts that are on my credit report that should not be there. The credit bureau stated that they did an investigation and the information was Verified. I sent them additional letter a few weeks ago requesting verification information ; such as the person who verified the information, their position with the company and the date and the phone number so I can follow up with said person who verified it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: DE

Complaint narrative:
Unauthorized inquiries on my equifax credit report that I did not authorized XX/XX/2019 XXXX XXXX, I did not authorize this inquiry. 

XX/XX/2019 XXXX XXXX XXXX  XXXX, I did not authorize this inquiry XX/XX/2019 XXXX, I did not authorize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: OH

Complaint narrative:
contacted the credit and to notify them of the fraud on my credit report. they werent attempting to help me solve the problem and get the items removed as they should be. The accounts are hurting me and not being able to obtain credit at this time due to the enormous amount of the accounts and they keep saying the claims are frivolous or cant identify me when Ive mailed them my id and social security card multiple times please help me solve this issue please Ive attached my social and my drivers license

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 2020-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has allowed XXXX/XXXX  XXXX XXXX  to add an account to my credit report that was removed 2 years ago. This item was added on credit report as of XX/XX/2020.

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 2020-07-12 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: Advanced Resolution Services Inc.
State: OH

Complaint narrative:
contacted the credit and to notify them of the fraud on my credit report. they werent attempting to help me solve the problem and get the items removed as they should be. The accounts are hurting me and not being able to obtain credit at this time due to the enormous amount of the accounts and they keep saying the claims are frivolous or cant identify me when Ive mailed them my id and social security card multiple times please help me solve this issue please Ive attached my social and my drivers license

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: CBC Companies, Inc.
State: OH

Complaint narrative:
contacted the credit and to notify them of the fraud on my credit report. they werent attempting to help me solve the problem and get the items removed as they should be. The accounts are hurting me and not being able to obtain credit at this time due to the enormous amount of the accounts and they keep saying the claims are frivolous or cant identify me when Ive mailed them my id and social security card multiple times please help me solve this issue please Ive attached my social and my drivers license

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The only source of communication of this lawsuit was by mail.

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