vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-26 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. My latest credit report shows credit inquiry/inquiries that I did not authorize nor do I have any knowledge of making these attempts Ally Financial XX/XX/19 & XX/XX/19 XXXX XX/XX/19 & XX/XX/19 XXXX XX/XX/19 & XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 & XX/XX/19 I writing to dispute the following inquiries and asking for their removal from my credit report. 




Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 

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 2019-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My identity was stolen back in 2016 someone used my identity to seek medical attention amongst other things, I have been dealing with this for some time now I have contacted XXXX XXXX XXXX XXXX to inform them that this was not my doing, but nothing has been done about it now they have sent the debt to A collection agency ( XXXX ) I  have also contacted them to let them know that the debt id fraudulent, no one seems to care as a result this debt has been placed in collections and is reporting on my Equifax credit repot, I have also contacted Equifax and let them know the debt is fraudulent and that the two accounts should be taken from my report immediately. I have filed police reports and have any information needed to validate that fraud has taken place. The debt is stems from two accounts Account # XXXX amount XXXX and Account # XXXX amount XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I Have a few errors on my credit report that need some attention. I would like my current and only address to show properly as XXXX XXXX XXXX, XXXX, SC XXXX. Please remove the following addresses XXXX XXXX CT, XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX. There is a account the I do not recognize on my credit from XXXX XXXX # XXXX. I would like the current phone deleted ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX they are not mine please delete from 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 2019-09-26 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: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. My latest credit report shows credit inquiry/inquiries that I did not authorize nor do I have any knowledge of making these attempts XXXX XXXX XX/XX/19 & XX/XX/19 Americredit XX/XX/19 & XX/XX/19 XXXX XX/XX/19 & XX/XX/19 GM financial XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 & XX/XX/19 I writing to dispute the following inquiries and asking for their removal from my credit report. 




Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: IN

Complaint narrative:
In early XXXX, XX/XX/XXXX and on XX/XX/XXXX. I have sent in three FTC/Identity Theft reports, along with the Account Name, Account Numbers and Inquiries that do not belong to me. TransUnion is allowing a XXXX XXXX XXXX ( {$300.00} )  and XXXX XXXX ( {$500.00} ) to continue reporting on my credit file. I do not know where they originated from and I DO NOT possess an inquiry for either account. I have submitted these accounts as fraudulent, sending in the proper documentation and XXXX and Equifax are refusing to remove them. XXXX  is the ONLY bureau that fixed the problem, immediately. Prior to this situation, my credit was stellar and now, both accounts are reporting as late payments and my credit is being ruined. I need this fixed, as soon as possible. 

I did recently move into another apartment, I am not sure if some of my information was stolen. In the past.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/19 someone called Bank of America claiming to be me and asked that a payment be refunded to their account instead of the account the payment originally came from. Bank of America sent {$4000.00} to an account that I do not own or have ever owned or that has ever been associated with my credit card account. 

I discovered this on XX/XX/19 and called Bank of America right away. They cancelled my card, issued me a new card and told me that they were stopping payment on that refund and that the {$4000.00} payment would be put back on my card. 

I received my new cards but they never put the {$4000.00} payment back on my card, so my balance is still {$4000.00} higher than it should be. 

I have spent many hours on many days trying to resolve this with Bank of America. They still have not fixed it as of today.

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 monetary relief
Consumer complaint received 2019-09-26 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I was victim of Identity Theft, followed all of the proper procedures after learning of the the situation. I filed my Police and FTC Identity Theft Report. The error was resolved and removed from my credit report. I recently checked my Experian.com and noticed that Experian has added this account back onto my credit file, it is reporting 3 months late and damaging my score/file. I have a copy of my Police Report, this is the same report that Experian received, earlier in the year when I sent them all of my corroborating documentation.

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 2019-09-26 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: SC

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE DEROGATORY ACCOUNTS OFF MY CREDIT FILE. I HAD NO KNOWLEDGE OF THOSE ACCOUNTS UNTIL I RECENTLY UPDATED MY REPORT, I'M SHOCKED AND IN DISTRESSED BECAUSE THOSE ACCOUNTS ARE AFFECTING ME IN APPLYING FOR NEW CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: FL

Complaint narrative:
FYI.. none of the prior options to select were pertaining to my issue : I received an XXXX Degree from XXXX   XXXX University in XX/XX/XXXX. Shortly after the school was called XXXX ( so have a degree for a school no longer in existence ). I have continually worked for a non profit organization and have paid income based repayments for over the 10 year requirement ( 12 years at this point ). I had initially sent required docs in XX/XX/XXXX to the Department of education so they would know that after my 120 payments, the balance should be forgiven. At that time I received a response that I had not yet made the required payments so to resend info once that part was complete. They mentioned no other issues. Then in XX/XX/XXXX after all required payments were made I sent a new request. I then received a letter stating that I was not consolidated with the right kind of student loan company ( which offers the option on their website ) so I wasn't eligible for the 10 forgives. My loans have increased by over {$10000.00} after paying for 12 years. Since the school switched to XXXX and XXXX failed, allot of students are having the loans wiped out totally. Apparently I don't qualify because my XXXX degree was completed. ( loan balance now XXXX - for an XXXX ). I am simply looking to get the forgiveness that was advertised on my loan holders website. I consolidated with American Education services. Initially was told I keep federal benefits consolidating through them. Working non-profit I have gone without raises for most of the years I have been here and in fact my income has dropped. Was recently told to reach out to CFPB to see if anything can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Hi, Ive submitted a request for debit validation 30 days ago. Today is the first post date and no information has been provided. 

Ive contacted both XXXX and XXXX. 

No letters of validation have been emailed or sent to my home. 

This is unacceptable! 

Both companies have given me a harsh time and are not presenting information I requested, so therefore this items needs to be deleted off my credit report! 

If they can not foster the agreed upon terms they will need to follow protocol and fix this situation. 

Ive been yelled at by 3 different agents. 

Ive attached some documentations Also, Porfolio recovery services has my account listed as open. I do not have any contract with them. 
Thanks in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: KY

Complaint narrative:
I have noticed that the balance of my loans has more than DOUBLED out of the blue. I went from XXXX to over XXXX!! That is IMPOSSIBLE and I cant get anywhere with the lenders. I would have to have gotten a ridiculous number of degrees to have this even be feasible. 

Please help!! This is also concerning ; XXXX reported each course as a single loan?? This MEANS it looks to the world like I was awarded many dozens of single loans. THIS RUINS credit scores NO MATTER how good my credit is otherwise! I am beyond upset and overwhelmed and do not know where else to turn for guidance and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
I have a Certificate of deposit at SunTrust which matured on XX/XX/XXXX. I called their customer service line ( included in their letter to me ) and they said I couldn't do anything until XX/XX/XXXX - even though the letter says in 3 places that the renewal date is XX/XX/XXXX ). On XX/XX/XXXX I went to the local branch ( XXXX XXXX/XXXX ) and was told that there was no reason I couldn't have withdrawn the $ $ $ over the phone on the XXXX. Then they said although the CD is for $ 87,000+, their new rules say they can't authorize more than {$25000.00}. This means they are keeping my money without giving me interest and keeping me from withdrawing it and re-investing it at another institution with better interest rates.

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 2019-09-26 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: NJ

Complaint narrative:
I got a copy of my credit report and wanted to dispute some accounts. I sent a letter to Equifax disputing the bankruptcies on my report on XX/XX/2019. I was disputing them according to Section 609 ( a ) ( 1 ) ( A ) -Equifax is required by law to verify through the physical verification of  the original signed consumer contract- any and all accounts they post on a credit report. They failed to provide Verifiable Proof ( as original Consumer Contract with my Signature on it ) Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed on the dispute. 

I received a response from Equifax on XX/XX/2019 stating that they verified all accounts and the items is being reporting correctly.. I did not agree so I sent a second letter to Equifax on XX/XX/2019 requesting they show proof, because they had not provided me a copy of ANY original documentations required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE ALL INFORMATION WHICH CAN NOT BE  VERIFIED. I got no response from them. So I sent them no response letter on XX/XX/2019 because it has been more than 30 days and I had not received a response. I received delivery confirmation that Equifax received my letter on XX/XX/2019. In accordance with s.1629 ( 8 ) of the debt collection practices act, which clearly states that any  information known to be false, can not be reported to any credit bureau. I requested that they immediately delete the disputed information from my credit report. 
I got a response on XX/XX/2019 from Equifax. They had removed only ONE of the bankruptcies off my credit report. I did not understand why only ONE of the bankruptcies was removed from report. SO I sent another letter to Equifax on XX/XX/2019 disputing this bankruptcy. I am now filing a complaint because Equifax should follow the law when reporting to items to people credit reports. I would like items to taken off my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom it may concerns : After several attempt phone calls with Chase freedom Credit Card dispute department, Customer Service, and branch visits my issue still pending since XX/XX/2019. I purchase sunglasses from XXXX XXXX XXXX  on XX/XX/2019 and returned them to company via XXXX on XX/XX/2019. Merchant received returned sunglasses on XX/XX/2019. Merchant did not return the money or refund me back claiming that he issue a credit to the bank. Since XX/XX/2019 until now I open dispute claims for the charges and provide bank with XXXX proof that merchandise was returned and still I am not going any where. Dispute department at chase they are so hard to deal with what hurt is that they keep asking for a proof that I return the merchandise and I keep sending it and always they say we did not get it on a timely manner and ask me to open a new dispute ... I am sure money is somewhere with chase and they do not want to refund me back my money. Please help I have family and I can not afford to pay for something that I do not have nor using.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am a victim of Identity theft and I first contacted Comenity Bank regarding four accounts that were opened and utilized by the individual who stole my identity on XX/XX/XXXX. They replied to me and stated that even after I provided a notarized Identity theft affidavit that they see no basis of my claim and that the debt of all 4 accounts belongs to me. I have also contacted the credit bureaus regarding these accounts and both XXXX and XXXX have honored my claim but XXXX has not. I contacted Comenity Bank again XX/XX/XXXX and I have only received a decision regarding one of the accounts however they have not acknowledged the remaining 3 and all 4 accounts are still being reported by XXXX to date. I am also still receiving collection calls and letters regarding one of the accounts that was sold to XXXX XXXX XXXX. It is well beyond the allotted 30 days since it was confirmed that my letter was received and these accounts are still negatively impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diverse Funding Associates LLC
State: FL

Complaint narrative:
On XX/XX/2019 My mother was contacted by a company DNF Associates? regarding further termination of working with XXXX XXXX? Stating that my PARENTS needed to verify ALL of their information, INCLUDING their social security numbers in attempt to send a notice to ME. 
First of all, my parents NOR me are associated with XXXX XXXX in any way. 
I believe they use this as a tactic to be called back. 
When contacted, the company had MY social, MY address, and MY phone number, and I have NO idea how they got me parents information. I am NOT a minor, and the debt they are claiming to try and claim, is not associated with my parents in ANY way. 
When on the phone, the guy was very rude and abrupt and stated that IF he sent ANY sort of validation, that I could not settle the debt and the attorney would take this to court. I asked was it not my right to see what they said I owed? Very rudely, he said yes, he could mail my a validation but then it was out of his hands and there was no way he could help me and I would be sued. 
In addition, to being rude, and abrupt, he has no legal right to contact my parents, as I am not a minor and he legally had ALL of MY information on 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 2019-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo bank was authorized to take money out of my account on XX/XX/XXXX. Instead they took it out on XX/XX/XXXX. Now they have me incurred {$200.00} in fees because there deceptive practices

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 monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Services Association
State: IL

Complaint narrative:
XXXX XXXX send a debt to collections that was not true. I have email where they told us to leave the apartment because the apartment was not equipped for us to live in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: VA

Complaint narrative:
On XX/XX/2019 I sent a debit validation certified letter to Medicredit Corporation XXXX. XXXX XXXX, Maryland, XXXX, MO XXXX. I gave them 30 days to respond back to me via mail to provide me with competent evidence that I have any legal obligation to pay them. It has been over 30 days and I have not received any information from this company.

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 2019-09-26 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: SC

Complaint narrative:
SECOND REQUEST : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with non-monetary relief