vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-15 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: NJ

Complaint narrative:
According to my recent credit report request from Transunion, XXXX, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXXXXXXXXXXXX Account Status Charge-off Status Updated Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX  ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX Account # XXXXXXXXXXXXXX Account Status Charge-off Contact Information XXXX XXXX   XXXX XXXX XXXX XXXX, SD XXXX  ( XXXX  ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX Account # XXXX Collection Contact Information XXXX XXXX XXXX XXXX XXXX, MS XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT

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 2018-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
CREDIT ACCEPTANCE CO - {$9600.00} openedXX/XX/2013 ( 5 yrs, 6 mos ) this loan has been on my credit for five years, i have never been approved for a car loan this account can not be mine. please help [ me remove this from my credit report. it is showing on my XXXX and my XXXX. i have been fighting to get this taken care of for years, i need your help thank you.

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 2018-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/2018 I contacted Portfolio Recovery Assoc. via mail regarding an incorrect debt that I seen in my credit file. The debt does not belong to me and when asked for the company to validate or delete the account they did not do so. Instead they sent a statement that had no indication that it was a debt I owe. I then sent a second letter to inform the company that the information they sent was not sufficient by law and the company sent a second letter saying the investigation is closed and no further response will be given. The debt that Portfolio Recovery Assoc is claiming is mine is false and I would like this account removed from my credit file please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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: NJ

Complaint narrative:
According to my recent credit report request from XXXX, Equifax, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX Account Status Charge-off Status Updated Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX   Account # XXXX Account Status Charge-off Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX Account # XXXX Collection Contact Information XXXX XXXX XXXX XXXX XXXX, MS XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MST Financial Services, L.L.C.
State: WA

Complaint narrative:
Debt was paid by garnishment XX/XX/2018-XX/XX/2018, total amount garnished was {$1900.00}. Original garnishment to XXXX XXXX, resulting from XXXX District Court Case. 
I have received a second notification from XXXX that they are garnishing me further for {$1600.00} under a new XXXX District Court number. I have never received any notification of a second court case, or a secondary judgement relating to this debt. 
The amounts garnished under each order are the same amounts - {$1600.00}. 
I want relief from this action. CFPB needs to stop predatory debt collection and end consumer 's double-jeopardy in settling financial matters. One garnishment was too much for this small matter of an expired debt Calls to this company unsuccessful as neither number published was in service.

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 2018-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Reference Complaint # XXXX, submitted XX/XX/2018 Equifax did not resolve either of the issues that I complained about, i.e. being unable to receive annual credit report on-line, or being unable to freeze credit on line, for both myself and my wife. Responding to my earlier complaint, the company sent a hard copy of my credit report through un-secured US Mail ( standard postage, not certified ), which I did not request, and which could have compromised my identity if the mail was lost or stolen. They did not answer my questions about why I am unable to receive credit reports for myself and my wife on-line, or why we are both unable to freeze our credit report on-line. Today my wife was unable to get her credit report on-line. The problems I complain about still persist. 

I should not be required to waste my time calling Equifax again, as I had done that initially and received no meaningful response, despite speaking to supervisory personnel as well as the customer service rep who answered the phone. This is a job for the CFPB, to investigate this matter and the non-responses that Equifax continues to give. 

I request that this complaint be resubmitted and considered not resolved, as the company did not respond and fix the problem, and that I receive answers to the above questions as to why a consumer can not do business through a secure on-line website with Equifax. I DO NOT WANT A HARD COPY OF A CREDIT SCORE BY US MAIL. Please tell them not to bother. 

I will keep complaining until I get answers. If it is possible, I would like to escalate this complaint, and that I also receive a response from the CFPB as to what the CFPB intends to do about Equifax being allowed to treat their " customers '' so badly. 

I await a response. 

Sincerely, Complainant per the complaint # listed above

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I am the XXXX XXXX-in-fact under a Power of Attorney that Citi 's Office of the President accepted. When I received instructions on sending the POA into Citi, I was informed that I should call back to receive online account access to the credit card account, thus enabling me to watch, oversee and manage the account, as necessary. Indeed, it is necessary because the principal has XXXX and lives 150 miles away from me. I need the ability to monitor spending and payments and, if it becomes necessary, to lower her limit or close the account. 

My name and status as POA was put on the principal 's credit card account ( s ), as requested some time in late XX/XX/2018. However, Citi will not let me have online access when I tried to obtain it today, XX/XX/18. The POA grants me full authority over the account. By its terms, I can close, open, modify the accounts of the principal. Indeed, Citi acknowledges that I can request a decrease on the limit and that I can close the account.

What I CAN NOT do, according to Citi, is get online access to the account activity and maintenance features because - wait for it - I don't have the 3 digit security code on the back of the physical card. I can't get that for a few reasons, not least of which is b/c the principal is XXXX miles away, and b/c she is constantly losing her cards bc - wait for it again - she has XXXX. 

So, I go to all of the effort to write to the Office of the President, spend hours on the phone today getting authenticated in the worst process you can imagine, and try to get online access, and even though I have all legal rights to conduct business relative to the account, Citi won't let me have online access. I was told twice that, " oh, the principal account holder needs to give you access to online account information. We can't let you have online account access without the principal letting you. '' Are you XXXX  kidding me? This is contrary to the intent and authority of the POA. 
It defeats the purpose of the POA. Further, Citi would rather that I use the POA to close the account than give me online oversight of her usage? How is this legal?

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 2018-12-15 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:
There's currently two accounts on my credit report inwhich the contract has been cancelled, I absolutely have no contract nor obligation to the following company, ( 1 ) XXXX XXXX XXXX,XX/XX/2018, {$130.00}, {$150.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Throught all of the delays with Chase, I had to file bankrupcty to stop the foreclosure of my home. I should not have had to do that. Problems with chase has been on going for years and all I want to do is leave the property. At first they gave me a hard time about trying to keep the property and now that I want to leave, I am still getting a hard time. Every time I contact Chase or receive mail from them, they tell me something different. I received 2 letters datedXX/XX/2018 where in one letter, I got assigned a new relationship manager who said she will be in contact with me. I dont recall speaking to her. The other letter, which is the real reason why I am writing, states '' we can't consider you for mortgage assistance because we didn't receive your initial request by the required number of days before the scheduled foreclosure sale. If the foreclosure sale date is pushed back by more than than this required number of days, we '' ll continue to review your request for mortgage assistance. '' This is nothing buy lies. I turned my mortgage application in on XX/XX/2018or so. Chase didn't review it. They chose not to. Now they are sending this to me after the fact to try to cover their butts again. I have made it known many times that I am always being told different things, which has impacted how I have proceeded in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
DIVERSIFIED CONSULTANTS INC opened : XX/XX/2018( 2 mos ) i have tried to resolve this issue of identity theft on my credit. i need your help to resolve this for good on my account, i have been trying to purchase my first home and this problem as stopped me and my family from doing so. if you could please help me to remove this off my account i would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Tried Opening a checking account with Chase in XX/XX/2018. I was told that I have been banned from having any accounts with Chase by the loan officer, they gave me no reason as to why I was not allowed to open an account and why I was blacklisted. I have never had any type of accounts with Chase or have ever done business with Chase. The loan officer said my account was flagged in XX/XX/2011 but I was in high school at the time and did not have any history with chase at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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: IL

Complaint narrative:
There's currently two accounts on my credit report inwhich the contract has been cancelled, I absolutely have no contract nor obligation to the following company, ( 1 ) XXXX XXXX XXXX, XX/XX/2018, {$130.00}, {$150.00}

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 2018-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I attempted to freeze my credit report and in order to identify me I was asked if I took out a car loan in a certain month, I did not take out car loan. I later realized that I was helping my granddaughter look for a car and one of the agencies probably checked my credit. I DID NOT TAKE OUT A CAR LOAN. The web site then said it could not process my request and I had to mail in a request. The requirements for the mail application are onerous and putting all that information in the mail would probably open me up to identity theft. 
I attempted many time to call this agency and could not get through to a human. I would like to restrict Experian from keeping any of my information. I believe this is a violation of my privacy.

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 2018-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo sold my account to XXXX XXXX  then closed my account and transferred my funds to XXXX XXXX without my permission. XXXX XXXX was unable to provide me with access to my funds for over a week, a direct result of Wells Fargo 's unethical actions. 

Wells Fargo gave XXXX XXXX my personal information without my permission. 

Wells Fargo gave XXXX XXXX my social security number without my permission.

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 2018-12-15 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am the XXXX XXXX-in-fact under a Power of  Attorney that Synchrony/XXXX  accepted. When I received instructions on sending in the POA for review, I received no further instructions about next steps, but I called today XX/XX/18, to obtain online account access to the credit card account, thus enabling me to watch, oversee and manage the account, as necessary. Indeed, it is necessary because the principal has XXXX and lives 150 miles away from me. I need the ability to monitor spending and payments and, if it becomes necessary, to lower her limit or close the account. 

My name and status as POA was put on the principal 's credit card account ( s ), as requested some time in late XX/XX/2018. However, Synchony/XXXX is unable to provide me with online access bc the dual authentication process sends the principal a code to proceed with registration. Sending a code to the principal does not help me obtain online access since I am 150 miles away and she has XXXX. I am not able to change the address or phone number on the account via phone, which is another way I could get the dual authentication needed for me to access the account.

The POA grants me full authority over the account. By its terms, I can close, open, modify the accounts of the principal. But, Synchony/XXXX  won't give me online access to the account activity and maintenance features unless I write by snail mail to some Verification of Documentation department and enclose the POA - which I  already gave them and they approved within the last 30 days - asking for a change of address or phone number just so I can get online access to the account. And, it is not at all clear that such a tactic would work. 

Are you XXXX kidding me? This is contrary to the intent and authority of the POA. 
It defeats the purpose of the POA. Further, Synchony/XXXX   would rather that I use the POA to close the account than give me online oversight of her usage? How is this legal?

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 2018-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/2018 I was contacted by someone at PayPal Credit requesting payment of a debt for {$110.00}. I was unaware that I had this debt and when it was explained I paid the charge over the phone with a XXXX XXXX XXXX   debit card. A copy of that payment is attached. The debit card is a Visa card.

OnXX/XX/2018, I received another call requesting the payment of the debt from XXXX, a PayPal Credit employee. The original charge had increased due to late fees. XXXX  was insistent that I had not paid and could not be persuaded that PayPal had made an error. To XXXX it was obvious I was a deadbeat. XXXX lacked the computer skills or the authority to see into my account. I was then transferred to two other people. One named XXXX  and finally a supervisor who stopped the harassing calls.

I then submitted documentation from the XXXX XXXX XXXX  and again PayPal insisted that this was not enough documentation. I went to my bank and Mr. XXXX XXXX, the bank manager, signed that the payment was made. I am again submitting the required documentation.

There is little else I can do and the late charges keep piling up. Apparently, this incident demonstrates the limits and the ultimate failure of online financial transactions. I will not be held responsible for the incompetence of PayPal. Therefore, I am requesting that you study the matter and solve my problem.

I am not responsible for PayPal 's inability to keep track of their money.

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 2018-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Well basically what happened is this in XX/XX/XXXX my brother took out am american express card in my name hes XXXX XXXX person.I didnt know about it but then in XX/XX/XXXX I checked my credit report and I saw that I owed american express XXXX XXXX so I called them and said what the XXXX   is this I dont have or ever had an american express card by the way they didnt seem to care but I found out it was my brother the dummy so I told them to transfer the card into his name you see at this time he was making the minimum payments to them so they were making money on the interest so it wasnt in there favor to help me but any few months ago he stopped paying them and they ran and levy my bank account for XXXX I dont think it fair because a few things pop in my head why did they give so much credit it seems predatory and in doing so why didnt ask for identification on so much money on an unsecured debt so now i lost XXXX dollars they ran to my bank with a court order and took the money.Another words they target people in lower income brackets to take advantage of them when they cant pay back and one day everyone in this country is going to pay back in a big way.

Company response to consumer: Closed with explanation