vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: IL

Complaint narrative:
I get a lot of credit card offers from different companies, saying that Ive been preapproved, or invited to apply. They tell you all about their disclosures, rates terms etc. but what they dont tell you is whether you will be considered if you have a bankruptcy on your record. I think it should be their responsibility to tell you, that if you are applying and have a bankruptcy on your record you will not be considered For credit. Im trying to rebuild my credit after a bankruptcy and Ive had a couple cards declined me, because of the bankruptcy. But it damages my credit with inquiries, that I wouldnt normally have had had I known this in advance.

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 2020-01-14 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: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent multiple complaints about accounts listed on my credit report that aren't mine. I have not yet received anything from the credit bureau stating they properly verified the accounts and how the accounts were verified. Anyone can respond " Yes this is accounts belong to this person '' but how are you verifying the information is accurate??? The credit bureau is obligated by law to assure the accounts they are reporting are accurate but they are not doing so. The accounts that I listed within my letter ( s ) are not mine. I've received responses stating they have verified the accounts are mine but I would like to know how are they verifying the accounts because, they aren't mine. I've requested time and time again for something with my signature but have not yet received anything.

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 2020-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a collection letter from a XXXX Agency, giving me 60 days to respond to a {$210.00} past due balance. This was the first Notice i received from XXXX trying to collect a debt. One week later on XX/XX/XXXX, XXXX reported the collections to XXXX, dropping my credit score 60 points. 
The letter specifically stated, i had 60 days to respond, and yet, XXXX immediately placed it on my credit report, not giving me enough time to pay or respond. 

I called XXXX and asked them to delete from my credit report and I'll pay immediately. I was rudely treated, and they responded nasty to me. " It's your problem, you should pay your bills on time and XXXX will not remove this. '' I said, i would leave XXXX XXXX  other services, such as FIOS and My wife 's XXXX account, they said, " We don't care, we don't want customers like you. '' XXXX is treating me unfairly! They send me a collections notice on XX/XX/XXXX and report to the credit agency a week later. 

This is not part of the Fair Credit Act, This is verbal abuse, and abuse of credit reporting! I will pay XXXX in full, but they should delete it, because they gave me 60 day notice to pay. 

( Letter from Agency is attached )

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 2020-01-14 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: CA

Complaint narrative:
There is a fraudulent account in my Experian credit report. I filed FTC Identity theft report and police report with XXXX XXXX Police Department regarding XXXX XXXX XXXX account as a fraudulent account and submitted these documents to the XXXX XXXX  and credit reporting agencies. They deleted this account from my credit report, but recently Experian credit reporting agency reinserted XXXX XXXX XXXX account ( acc no : XXXX ) back to my credit report. I contacted with them but they refused to delete fraudulent 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 2020-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I have ask them to stop calling me and that if they didn't stop that i will sue i also let them know that i have file a fraud with XXXX  fraud management and they call every day.for the last two weeks from the hours XXXX to XXXX i also notice XXXX  about these call

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 2020-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
Lakeview Loan Servicing/XXXX is a nightmare. I just filed a complaint against them a few months ago and was told that everything was straightened out and that I did not owe a payment until XX/XX/XXXX. This was an ongoing ordeal that I finally got resolved after months of phone calls, harassing letters and misinformation given by this company. 

They messed up our escrow, messed up our payments, sent several threatening, harassing letters, all the while telling us that it was being worked on and resolved. After filing a complaint with your organization, I was told that the escrow was fixed and that payments were applied correctly. I received my XXXX statement dated XX/XX/XXXX that clearly states that there is no past due amount and that my total amount due is {$820.00}. No late fees, no late payments, nothing behind at all. 

Today I received a certified letter from XXXX  telling me that I am three payments behind, counting XXXX ( which I do need to pay - the statement tells me I have until XX/XX/XXXX before it's considered late ). 

I am currently on the phone with XXXX, who of course, doesn't know what's going on and is telling me that all the payments that were fixed previously have been rolled back and now I am being assessed for XXXX, XXXX and XXXX and now my escrow amount is being listed at the original {$6400.00} that was in dispute and I was told was completely resolved. They are assessing me {$2500.00} in mortgage payments that again, I was told was fixed and assessed, leaving me with no past due payments, with a current payment due of {$820.00}. I want this company cited, fined, and forced to stand by their word when they tell someone that the issues are resolved. 

I received no phone call, no voice messages, no emails, no notification AT ALL that there was any kind of issue with my mortgage until this letter today, XX/XX/XXXX. I am beyond livid at this point. I can't just pull thousands of dollars out of my tail every time this company messes something up. Please help us resolve this issue with this horrible 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 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting to investigate and remove all account which I listed in Identity Theft because I was victim and somebody stole my personal information. 
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Synchrony bank calls me everyday sometimes two to three times a day I have a settlement with them that I have until XX/XX/XXXX to pay so why they insist on calling me

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 2020-01-14 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$500.00}, {$340.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1300.00} -This is not my account. 

2. XXXX XX/XX/XXXXXX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$340.00} -This is not my 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 2020-01-14 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: CA

Complaint narrative:
I was made aware of some accounts on my credit report that do not belong to me today XX/XX/2020 when I was denied from getting a loan. I had no idea that these accounts were on my credit since I did not open them nor did I allow anyone to open them in my name. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any purchases or payments towards these accounts. I'm not sure who could have stolen my personal information to open these accounts but I have already filed a police report. I do not have any written or verbal contract with any of these companies and I have never given them permission to run or access my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My mother added me as an authorized user on at least two credit cards without my prior knowledge. I have never had access to bills or statements. One card, the Visa, my mother told me to use for tuition, emergencies, and other expenses, but then she falsely accused me of charging {$30000.00} ; I asked her to show me a statement so we could clear up any misunderstandings and I also asked her to close the account, but my mother did not show me any statements so I do not even know what she claimed that I charged and she told me that she had me as an authorized user, so I do not know if she removed me from the account. Before I had student loans, my mother told me to use the Visa to pay off a hold on my student account ; she also told me to use it as an emergency fund for my children and myself, because my ex-husband has willfully refused to pay support, however, most times I have not used it. I never activated the second card, the MasterCard. I do not have accounts with the credit card companies so I am not sure how to check and see if I have accounts to close with them. I tried to report it to the FTC as well, but I did not have enough information. I already tried to clear up any misunderstandings with my mother, but she didn't even show me any statements, and I want to avoid being a victim of fraud and I want to avoid being falsely accused in the future. My mother seemed like she wanted me to think she was helping me by making me an authorized user on the credit cards, but falsely accusing me is not helping me and I do not know what government agency helps with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: CA

Complaint narrative:
I was made aware of some accounts on my credit report that do not belong to me today XX/XX/2020 when I was denied from getting a loan. I had no idea that these accounts were on my credit since I did not open them nor did I allow anyone to open them in my name. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any purchases or payments towards these accounts. I'm not sure who could have stolen my personal information to open these accounts but I have already filed a police report. I do not have any written or verbal contract with any of these companies and I have never given them permission to run or access my credit 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
Consumer complaint received 2020-01-14 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: DISCOVER BANK
State: CA

Complaint narrative:
There is a fraudulent account in my XXXX  credit report. I filed FTC Identity theft report and police report with XXXX XXXX Police Department regarding Discover Financial Services account as a fraudulent account and submitted these documents to the Discover bank and credit reporting agencies. They deleted this account from my credit report, but recently XXXX  credit reporting agency reinserted XXXX XXXX XXXX account ( acc no : XXXX ) back to my credit report. I contacted with them but they refused to delete fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.Is it possible someone forged my name, or that you have confused me with someone else? if you receive documents with my signature, please compare them with my real signature because if you do you will see I did not sign anything related to these 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 2020-01-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
OnXX/XX/XXXX, this company reported false information to the credit bureaus. The company said I made a {$90.00} payment on a very old collection. This is the third time they report false payments made by me. This false payment will now allow them to re-age this debt and it will continue to harm my credit score. This debt has less than a year to report, according to statutes. Theyve tried to garnish my wages back in XXXX and the courts would not allow it. Now they are lying about payments and trying to re-age the account. This is not legal. You can not report false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Hi there. I have an account with citi bank it is overdrawn and past due. I've reached out to Citi to come to a settlement agreement or have a minimum payment. They have told me that I have to pay the full balance. I haven't received a statement in 3 months. Now unfortunately I checked my credit and noticed that citi has reported that I MISSED a payment of {$48.00}. Had they told me or issue my statement showing that my minimum the minimum is {$48.00} I would've been able to cover this cost. Which is what I've been asking for. I even tried finding out my minimum on the app and it displays the same information they've given over the phone. 
They have reported information to my credit that was not reported to me. How can I make a minimum if I'm unaware of what it is. At all time they were trying to get the full balance all at once.

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 2020-01-14 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$500.00}, {$340.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$340.00} -This is not my 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 2020-01-14 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$500.00}, {$340.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$340.00} -This is not my account.

Company response to consumer: Closed with explanation