vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-16 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
As of XX/XX/2020, I been cheated on an item I sold through sopposebly PayPal, it was referred to XXXX I mistakingly thought they were saying truth, but they didnt they made me follow instructions on an email, thinking it was PayPal and asked me to buy a XXXX visa gift card of XXXX dlls, I did call XXXX card reporting number they gave me a case number which is XXXX. The person said his name was XXXX XXXX, then he said his name was XXXX, and XXXX he was eventually lying. please help me identify these scammers. They have this phone XXXX ( XXXX XXXX XXXX reach them they say there men but the owner of the phone is a woman ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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:
These account have no LAST DATE OF ACTIVITY and other errors. These are not my accounts. Please remove ASAP.

U S DEPT OF EDXXXX : XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-16 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: GA

Complaint narrative:
I have advised Equifax on several occasions that the information being reported on my credit file is incorrect, possibly in error and/or a result of identity theft. The following address ( es ) do not belong to me XXXX   XXXX XXXX XXXX XXXX XXXX XXXX. I have never paid the XXXX ( XXXX ) account late. The XXXX XXXXXXXX ( XXXX ) account does not belong to me, the XXXX ( XXXX ) account does not belong to me, the XXXX (   XXXX ) account does not belong to me. These items are a result in an error and/or identity theft and should be removed from my credit file. Please help me get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates wrote me many years ago about a debt from XXXX  XXXX. The first time I verified they sent a bill. So I made arrangements to pay because I didn't know my rights at the time and I wanted it to be removed. I reneged on paying them because i thought do I really owe this debt? After years its still lingering on my report and now i did a little more research on how I have the right to validate the debt that they say I owe and the amount. I wrote them on XX/XX/2020 certified mail, requesting to validate the debt, its reporting on my report for {$1300.00}. Which the first letter I sent out XX/XX/2020 requested that. I notice that i received an email from XXXX that PRA flagged my account and on XXXX XXXX it showed that the account was removed from XXXX and XXXX. I called the bureaus XX/XX/2020 to confirm they said its still on my report. I called PRA XX/XX/2020 at XXXX XXXX I spoke Ms. XXXX XXXX she ask for my last four digits of my social to verify info, she said that they received my certified mail requesting validation and they sent out everything I requested. I recorded her, she told me that I owe XXXX, but on my report its reporting {$1300.00}. She was asking me, " how would you like to take care of this today ''? I told her I still didn't receive validation to make any arrangements. When i check the mail the next day I received a letter that said I can validate. They send me back correspondence dated XX/XX/2020 stating that they receive my correspondence and I have the right to write them and request substantiation.. Then I sent them another letter again on XX/XX/2020 to validate because at the time I did not receive what I asked for. A few days ago I received a letter from PRA with verification of a bill and their own summary. They didn't send me anything that I asked for. This is not validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-16 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: IL

Complaint narrative:
Equifax is not following the FCRA concerning consumer accounts. My recent credit reports are still inaccurate. This now requires immediate attention. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting agencies. I am very concerned as this has made a tremendous negative impact on my credit reports. After speaking with XXXX XXXX and receiving a letter from them which is the collection in dispute, I filed disputes letters including the letter from the collection company to Equifax, XXXX, and XXXX that explains the accounts does not belong to me. XXXX and XXXX have removed XXXX XXXX  from my reports. I had reached out to Equifax XX/XX/2020 explaining these accounts listed from XXXX XXXX does not belong to me and is reporting inaccurate on my credit report. Equifax sends a report stating my dispute has been verified as accurate. I took the liberty of reaching out to the collection agency asking for verification of any sort to verify these accounts ( amount {$200.00}, amount {$89.00}, amount {$120.00}, amount XXXX, and amount {$160.00} ). A representative from that company stated they have no record and was not able to send any documents with my signature or anything that connects me to these accounts. I ask for a letter in writing. ( attached to this complaint ) XX/XX/2020 and the last report XX/XX/XXXX # XXXX from Equifax STILL is stating they have verified the accounts to be accurate. After receiving this last report from Equifax, it is very sad to say, no one is taking the time to truly investigate, but sending falsified automatic letters to justify their investigation. Some of these third-party collections agency are robbing people and scamming people and will not and can not send verifiable documents of any sort when consumers like myself ask for proof. I have asked Equifax through their website ( Myequifax.com ) to send me the paperwork that backs up their opinion and a detailed report that goes over Equifax procedures of their INDEPENDENT INVESTIGATION instead of reporting intentional inaccuracy on a consumer report. I have not received a response. Again, XXXX   and XXXX  have removed XXXX XXXX  from my reports. Equifax is the only bureau that is not abiding by the law. If this is not rectified, I will be moving forward to file a lawsuit against Equifax. I am filing my last complaint with the Consumer Finance Protection Bureau hoping this can be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
On XX/XX/2020, I pulled my 3-bureau credit reports from XXXX and found a collection from National Credit Systems in the amount of {$3200.00} on behalf of XXXX XXXX. I noticed that the debt was a joint account, and I never had a joint lease with someone else in the past. So I sent National Credit Systems a letter asking them to verify the debt, specifically asking for proof such as a breakdown of fees and how they calculated the debt. I also asked for some type of proof that the debt was mine, such as signed documents by me or anything that would identify me as responsible for the debt. Knowing that this debt is not mine, I was confident that they could not prove this debt as mine and I intended have the false collection removed from all 3 bureau reports. 

However, when I received a letter back from National Credit Systems, I found that not only had they not given me any supporting documentation proving that I am responsible for this debt, but they also INCREASED the amount they claim I owe by more than double. They now claim I owe {$6900.00}, and they intend to " update '' this with the 3-bureaus. What's worse, they typed " Enclosed you will find documentation provided to us by XXXX XXXX. '' and tere was no documentation enclosed. Only the single letter which I have attached to this complaint was in the envelope. I believe they placed this statement deceptively to make it seem as if documentation was sent, when truly it was not. 

I find it very difficult to understand where they got either of these totals, especially since the credit bureaus reported that the last time this debt was supposedly verified was XX/XX/2020. I have tried to dispute this with the bureaus as well, but the entry remains. I would like to finally get this false collection removed from my credit reports so I can move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: OH

Complaint narrative:
These account have no LAST DATE OF ACTIVITY and other errors. These are not my accounts. Please remove ASAP. 

U S DEPT OF EDXXXX : XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-16 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: OH

Complaint narrative:
These account have no LAST DATE OF ACTIVITY and other errors. These are not my accounts. Please remove ASAP.

U S DEPT OF EDXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: GA

Complaint narrative:
I have advised TransUnion on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXX XXXX, XXXX XXXX XXXX. I have never paid the XXXX XXXX   account late, I have never paid the XXXX XXXX  account late, I have never paid the XXXX account late. TransUnion has yet to prove how they received this inaccurate information, and have not corrected the information following my proof that the information is inaccurate. Please help me get this matte resolved.

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 2020-08-16 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:
This accounts has errors and inaccurate. The Balance, dates, please provide method of verification.

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 2020-08-16 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: OH

Complaint narrative:
This accounts has errors and inaccurate. The Balance, dates, please provide method of verification.

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 2020-08-16 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: OH

Complaint narrative:
This accounts has errors and inaccurate. The Balance, dates, please provide method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I took out an {$8000.00} private signature loan through Sallie Mae and XXXX XXXX XXXX with my grandmother as a co-signer. It became the biggest mistake of my life. 

This spiraled out of control as I was being sent letters now from XXXX for years before Navient as I was eventually getting phone calls from XXXX in XX/XX/XXXX, who somehow gave it to Navient inherited that debt somewhere in XX/XX/XXXX. 

Navient bought my Sallie mae " private signature '' loan and consolidated it into a federal obligation. 

I have tried to have this taken off my credit - but XXXX  and XXXX  listen to whatever Navient says. 

-Not one " servicer '', or any of its agents, ever, offer any clarification of why my private loan was somewhere else or provided any education me on my rights as a borrower in any of our phone discussions before being handed-down fr om one servicer to the next. - compare and contrast my ever-changing responsibilities for repayment. Not one e-mail, not one recorded phone call. - Explained how and where to get help if you need it - Provided knowledge on how to protect my credit rating - Reviewed deferment options - Highlighted the seriousness of defaulting and what will happen if that occurs -Provided any sort of reasonable repayment options other than forbearance. 
Or showed possible loan forgiveness options Nothing. 

Navient is listed as an " educational loan '' with 34 charge-offs on my credit report, yet, it's a 16- year old private loan that got manufactured into this federal loan from Sallie-Mae/ XXXX XXXX XXXX , I have yet to see a signed a promissory note and was unaware of " exit counseling " until I recently. 

It has impacted my life emotionally and financially I never understood what was going on and was never aware of alternative options that would benefit me greater than what they had in mind. They have marked me down for 39 charge-offs? 

I have tried speaking with Navient, but they get rude, XXXX listened and investigated before removing the item ; I ask XXXX and XXXX to explore deeper. 

I want to be able to not have this on my credit anymore. I am paying for other people not doing their job and not doing the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: GA

Complaint narrative:
I have advised Experian on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have never paid the XXXX XXXX account late, I have never paid the XXXX XXXX   account late, I have never paid the XXXX account late. Experian has yet to prove how they received this inaccurate information, and have not corrected the information following my proof that the information is inaccurate. Please help me get this matte resolved.

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 2020-08-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
We bought our home through XXXX XXXX in XX/XX/XXXX and our VA loan was transferred to Freedom Mortgage in XX/XX/XXXX. On XX/XX/XXXX, my husband received a call from XXXX at Freedom Mortgage regarding refinancing our home. My husband said he would look at the documents that XXXX would send but we weren't considering refinancing at this time. We received the documents the following week, reviewed them, and decided we were not interested in refinancing. My husband emailed XXXX on XX/XX/XXXX after Freedom Mortgage had already called him twice about refinancing. He communicated to XXXX that we were not interested in refinancing. Freedom Mortgage has called my husband every day for two weeks ( beginning XX/XX/XXXX ) about this application despite the fact that we have told them we are not interested. They have even gone as far as to tell my husband it was an " emergency '' and he needed to call back. A different representative from Freedom Mortgage calls him each day. We do not appreciate this sort of aggressive refinancing marketing and believe they are trying to get more money from the VA through this sort of refinancing scheme.

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 2020-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I noticed this collection on my credit report through XXXX XXXX today, XX/XX/2020. I never received notice from this company regarding this debt. I disputed the validity of the debt By contacting the number in the credit report. I advised to verify or validate this debt in writing. The call ended. I have disputed the debt with XXXX the dispute is on file with XXXX XXXX as reporting inaccurate or non valid information on my credit report. I should receive an update from XXXX in 30days.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I applied and received two credit cards from XXXX XXXX ( Now XXXX XXXX ) on XX/XX/XXXX. I then choose to close the credit card account on XX/XX/XXXX of XXXX which I have documentation of this. My last payment that there showing is XXXX of XXXX. Portfolio Recovery Associates apparently purchased the debt that was owed on XX/XX/XXXX XXXX. My understanding of the Statue of limitations would had this debt Time barred by this point. I disputed this through all three credit reporting agencies with no success. Portfolio Recovery Associates is  still reporting this Debt and is damaging my credit. I need to have this resolved as I have tried repeatedly. I would greatly appreciate your help. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I noticed a collection account with Synchrony Bank on my XXXX   and XXXX XXXX credit reports on XX/XX/XXXX. Investigation indicated this was a XXXX XXXX charge account. I immediately filed a dispute. During a recent mortgage process, I was told the collection account remains on my XXXX XXXX report and is now showing on my XXXX report. I have filed another dispute with XXXX XXXX ( XX/XX/XXXX ) and an initial dispute with XXXX ( XX/XX/XXXX ). 

My credit report shows the account opened on XX/XX/XXXX with the first delinquent date as XX/XX/XXXX. The credit limit is reported as {$1200.00} with a charged-balance of {$380.00}. 

I have attempted several times to contact Synchrony Bank regarding this but have yet been able to speak to someone. Despite calling during their business hours as stated not their website, I am told to call back during normal business hours. Or, If I get placed in a call queue, I am disconnected. Certified letters will be mailed to Synchrony Bank on Monday, XX/XX/XXXX, to the two different mailing addresses I have been provided. 

My wife and I have excellent credit scores ( XXXX ), at least until this point. It is extremely frustrating that we continue to have to address this issue. And it is infuriating that we can not speak to someone about this! And even more so when an internet search indicates this is an on-going issue with Synchrony Bank and this XXXX XXXX  charge card. 

Equally frustrating is that we also have several other charge accounts held by Synchrony Bank, all of which have our current contact information and an excellent payment history, and not once has anyone attempted to contact me/us about this charged-off account.

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 2020-08-16 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:
Transunion and XXXX  are still reporting inquiries Ive disputed. They recently removed some but failed to remove one from XXXX XXXX on my Transunion report and XXXX XXXX XXXX  XXXX and XXXX from XXXX 

Also XXXX is showing a new collection account from XXXX that I have no knowledge of. 

XXXX is also reporting my balances on specific accounts incorrectly with XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. These accounts have not had balance increases and should reflect balance decreases as they do with the other credit bureaus such as Transunion and XXXX. XXXX continuously reports late information.

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