vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Synovus Bank
State: NC

Complaint narrative:
I initially did not receive the credit card in the mail for several months. I was not able to make payment in the online system. When I tried to close the prepaid card, they told me I could not. Now, I have late payments on my credit report that I have requested be removed with no response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: LA

Complaint narrative:
They have XXXX XXXX XXXX XXXX reporting open on different dates on each of my credit reports, more inaccuracies hurting my credit.

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 2021-06-22 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: LA

Complaint narrative:
They have XXXX XXXX XXXX XXXX reporting open on different dates on each of my credit reports, more inaccuracies hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: GA

Complaint narrative:
I was disputing inaccurate items that was placed on my credit file. I have reached out to the credit bureaus numerous of times to have the items removed or corrected. I also had reached out to the creditors to have that account removed. I was told over the phone to reach out to the credit bureaus and ask them to remove the items. The credit bureaus violated my rights because they failed to respond to my disputes. I have sent dozens of letters and I haven't received anything in the mail from the credit bureaus showing that they even open up an investigation. I have checked my credit with different credit monitoring to see if they have started but there wasn't any comments showing that the items was in disputes. I had mailed letters off certified and the tracking shows that they have received the mail. My credit score is continuing to go down because the credit bureaus refuse to maintain the laws of the fair credit reporting act and remove those items off my credit file. This is causing much hardship and pain and suffering. I have had multiple XXXX XXXX  because I can not get a car nor a good job to support my family because of the multiple inaccurate items that's on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax - I have sent several dispute letters to Equifax all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: California Business Bureau, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: NC

Complaint narrative:
I have tried everything to get my experian credit score to go up. I have had late payments in the past, but have paid off ALL my debt. I have low revolving credit lines and have history. When I have tried to contact the company to discuss the issue, they say they can not help. My XXXX  and XXXX have jumped over XXXX points and experian, nothing.

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 2021-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Victim of identity theft company harassing me send letters moved from Louisiana 9 years ago FRAUD 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 explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding at XXXX RESURGENT CAPITAL SERVICES PO BOX XXXX XXXX, SCXXXX ( XXXX ) XXXX. 

Two Accounts : XXXX {$1400.00}, XXXX {$860.00}. 

I've never done business with these people, and I've never received anything to verify it was actually me that opened these accounts. 
Ive never authorized opening these accounts. 
Ive asked multiple times for a copy of any contract with my signature. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
Myfedloan won't accurately process my annual certification for public loan service forgiveness. I have been trying for 6 months and they still won't give me any credit for all of XXXX for the PSLF program, they are not accepting anything from that year as a qualifying payment and they won't explain why I have been working full-time for the same employer ( XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX ) since XX/XX/XXXX. Every year I recertify and my payments are added to my total. But when I submitted in XX/XX/XXXX they never processed my application. Then I submitted again in XX/XX/XXXX and they accepted the 6 months in XXXX as qualifying, but forgot to look back at XXXX. So now instead of 61 payments ( out of 120 ) qualifying for PSLF forgiveness I only have 49. 

I emailed them about it, and they said the XX/XX/XXXX application is in process, but that's false, because I already got multiple emails from them indicating that they processed the application but approved XXXX and not XXXX. I emailed them again, and this time they said I am incorrect to assert that my latest recertification was processed incorrectly because they show the XX/XX/XXXX recertification as pending, but that is also incorrect as I was very clear I am emailing them about my XX/XX/XXXX recertification. For some reason they show my XX/XX/XXXX recertification as processed with all of XXXX denied, but when I email them they either say it's not done or they falsely claim my last recertification request was in XXXX. 

None of this makes any sense, I've been with the same company for 5 years, they approved all the dates in XXXX, XXXX, XXXX, XXXX, and XXXX, but for some reason they won't process XXXX and eveerytime I contact them they give me a new excuse. I've sent several emails this week and nothing. I don't trust in calling them because I've learned over the years nothing they say verbally will they ever be accountable for. I just want them to reprocess the PSLF certification I submitted on XX/XX/XXXX ACCURATELY, which means processing the dates for XXXX as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was disputing inaccurate items that was placed on my credit file. I have reached out to the credit bureaus numerous of times to have the items removed or corrected. I also had reached out to the creditors to have that account removed. I was told over the phone to reach out to the credit bureaus and ask them to remove the items. The credit bureaus violated my rights because they failed to respond to my disputes. I have sent dozens of letters and I haven't received anything in the mail from the credit bureaus showing that they even open up an investigation. I have checked my credit with different credit monitoring to see if they have started but there wasn't any comments showing that the items was in disputes. I had mailed letters off certified and the tracking shows that they have received the mail. My credit score is continuing to go down because the credit bureaus refuse to maintain the laws of the fair credit reporting act and remove those items off my credit file. This is causing much hardship and pain and suffering. I have had multiple anxiety attacks because I can not get a car nor a good job to support my family because of the multiple inaccurate items that's on 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 2021-06-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was disputing inaccurate items that was placed on my credit file. I have reached out to the credit bureaus numerous of times to have the items removed or corrected. I also had reached out to the creditors to have that account removed. I was told over the phone to reach out to the credit bureaus and ask them to remove the items. The credit bureaus violated my rights because they failed to respond to my disputes. I have sent dozens of letters and I haven't received anything in the mail from the credit bureaus showing that they even open up an investigation. I have checked my credit with different credit monitoring to see if they have started but there wasn't any comments showing that the items was in disputes. I had mailed letters off certified and the tracking shows that they have received the mail. My credit score is continuing to go down because the credit bureaus refuse to maintain the laws of the fair credit reporting act and remove those items off my credit file. This is causing much hardship and pain and suffering. I have had multiple anxiety attacks because I can not get a car nor a good job to support my family because of the multiple inaccurate items that's on 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 non-monetary relief
Consumer complaint received 2021-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/XXXX my husband transferred money to my Venmo account because his instant transfer wasnt working. I tried withdrawing the money and it wouldnt allow me. I sent it to my son as well because I thought maybe it was just my computer. Then the money was transferred back to me. I tried to do the longer bank transfer and they informed me my account was frozen. There is {$1500.00} that they wont allow me to access. I contacted them through multiple ways explaining this is urgent because the money is needed to pay for medical expenses. No one seemed to care and said the money may be held for $ 180 days. I was told I would be contacted after I submitted my id. I did that and no one will respond to me. I have a family of XXXX  and {$1500.00} is an entire paycheck. I have read endless accounts of this company holding money or never giving it back at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This is my second complaint submitted on the Experian. The first complaint was closed and the company stated that they need my authorization to proceed with the complaint. I called experian today to give them authorization and was told that the entire complaint had been closed and that the Experian representative stated that there was nothing she could do on her end to " authorize the complaint ''. I really feel like this company used the am also documented all of these issues Im having with getting Experian to investigate violations on my credit report! 
Experian 's response " We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. '' I now give experian verbal as well as written authorization to proceed with my complaint. I have also provided my drivers license, social security card, and utility bill to help prove my identity. Please proceed with this complaint as I requested. 
XXXX XXXX XXXX Original Complaint : I have reach out to Experian 3 times within the last 35 days trying to submit a dispute via phone, mail, and online. So far none of the dispute methods have worked and none of the accounts are showing in dispute. I sent my first letter to experian on XX/XX/2021 requesting the re-investigation of two accounts that experian claimed to have investigated for inaccuracies and verified as accurate. I also submitted new evidence which shows that inaccuracies on that are still reporting despite experian verifying these accounts as accurate. If these accounts were verified by Experian or the creditors then it is clear that both parties are providing misleading and false reporting and have failed to ensure complete accuracy of the information that is being furnished on my credit report. I'm requesting the removal of the the XXXX account # XXXX and the XXXX XXXX Account # XXXX because I notified Experian several times that these accounts continue to show late payments after the accounts were closed and or charged off. This is a violation and creates a misleading payment history on my credit report. I'm also requesting that the late payment for my XXXX XXXX XXXX XXXX account # XXXX be updated to paid on time for the month of XX/XX/2021 because I have always paid this account on time and as agreed

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 2021-06-22 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: NC

Complaint narrative:
Experian - I have sent several dispute letters to Experian all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get 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 2021-06-22 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
FREEDOM MORTGAGE sent me a letter in attempt to collect an alleged debt but I am a natural person/consumer and now aware of my federally protected consumer rights. FREEDOM MORTGAGE furnished a certain deceptive form ( 15USC1692j Violation ) which showed a alleged debt in a positive not negative amount ( 15USC1692e Violation ( False and misleading ) ) FREEDOM MORTGAGE also has violations of 15USC1692b ( 5 ), 15USC1692f ( 8 ), and 15USC1692b ( 2 ). 

I demand that FREEDOM MORTGAGE be held civilly liable pursuant 15USC1640 and criminally liable pursuant to 15 U.S.C. 1611 I also demand the balance be zeroed out and the account be closed and the consumer, be paid damagers pursuant to 15USC1692k {$1000.00} per violation and actual damages.

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 2021-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
My wife and I attended a XXXX timeshare presentation in XXXX XXXX on XX/XX/21. What we were told orally was completely different from the contract that was emailed to us. In addition, XXXX XXXX XXXX opened 3 credit accounts in my name without my authorization or permission. We never discussed opening credit accounts. We canceled the timeshare contract within the rescission period. 
Comenity Capital Bank ( CCB ), one of the credit account providers, received our written requests to close the credit accounts that got opened fraudulently by XXXX through certified mail on XX/XX/21. CCB called me after receiving the mail to ask me to activate my credit account. I hang up the phone right away and 2 hours later I got notification that Comenity bank reported that to credit bureaus that I opened an account with CCB. We are seeking help to close the credit accounts without hurting our scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
My identity was stolen, however a family member actually did it and had been doing it before she was caught and sent to jail, I live in XXXX being here for 9 years however Im getting this medical bills forward to my address from XXXX XXXX XXXX out of XXXX Louisiana and I dont own them they are FRAUD I tried explaining my situation to them even providing documentation. Now Im getting these harassment phone calls saying my debt been sold to a 3rd party and asking me if I had a procedure at that hospital. RED FLAG THATS HIPPA LAW

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