vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-07 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 a victim of identity theft and my name was part of a recent breach where my personal information was leaked. As i take notice of my credit report i notice that i have two accounts that aren't recognizable to me and don't belong to me. I have contacted the FTC, the attorney general office. I've sent out certified letters a few months ago and i haven't received any results. It's been more than 90 days and that is a violation. If it's more than 30 days of an investigation and it's more than 30 days that is a problem that has to be honored and considered. 

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter Account : 1. XXXXXXXX XXXX XXXXXXXX XXXX 2. XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : Please be advised I have requested validation not verification of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 
Credit Bureau did NOT provide me a HIPPA release that releases my medical information to anyone, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/credit bureau should this item not be deleted within 3 business days i will seek litigation, and look to be compensated for the damage that was done to my credit report and my life allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
In XX/XX/2019 I paid off a Negative Wal-Mart debit with a  collection agency XXXX XXXX. It has been closed and listed as paid through XXXX and XXXX. The issue is that XXXX still shows it as a negative account which has caused issues with me purchasing a home. 
I have submited documentation though their dispute center once via their web site and a 2nd time via mail. Each time I have submitted the documentation the account doesnt get corrected in their system I would like my Wal-Mart account to be corrected and not show as negative on 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 2019-08-07 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I been having issues with my credit and been checking my scores online with XXXX XXXX and noticed XXXX Hard inquiry again someone use my info for fraud. They applied for a XXXX XXXX card in XX/XX/2017 and took a loan in year XX/XX/2017. Also they have employment info as XXXX XXXX I never worked there or know what it is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
A bill was owed XXXX  for my service, today XX/XX/XXXX at XXXX XXXX  Pacific time, I went online to pay the bill using the online payment method and my credit card to authorize a debit of {$280.00} to be paid today. 
At XXXX XXXX Pacific a call was received on one of our phone lines XXXX attempting to collect the debt. I called back XXXX XXXX XXXX and was transferred to an agent handling my debt ( reference # XXXX of Receivables Payment Management ) and she repeatedly stated she was trying to collect my debt. When I told the agent that I already paid the bill, she hung-up

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
After school I was out of work, robbed XXXX, and hospitalized being in a low income community I didnt get the help I need to recover as far as XXXX .y XXXX  was most up suffering from XXXX years later I managed to pull myself back together before I got XXXX I would call nelnet and set up hardship payments but after I wasnt in the right space XXXX so when I tried again I was informed that the debt has been deferred charged off now I'm working with the third party company they sold the debt to to get back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: WY

Complaint narrative:
I had a judgement against me, but I was never served. I was never given the opportunity to plead my case. I offered to make payments and my offer was declined. They're now threatening to make me pay {$130.00} a month or garnish my wages. I am self- employed and I'm homeless. They can not garnish my wages, but I'm afraid since they've already broken the law by allowing a judgment against me even though I was never served Im afraid they'll just garnish my wages anyway. What do I do? I don't have any of the paperwork because I was never served. I don't know who to contact?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2019 I opened savings account of $ XXXX with cash bonus of {$600.00} offered by Citi Bank. All term conditions were satisfied on XX/XX/2019 from my side however Citibank branch manger refused to pay the mentioned bonus of {$600.00}. Today I contacted branch manger by phone and his position in this matter did not change at all leaving me empty handed. Their act is an obvious breach of financial agreement and their deserve severe penalty. Many other people posted similar complaints regarding the same issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc
State: AZ

Complaint narrative:
Regarding XXXX On or around XX/XX/2019, i received a notification from all 3 credit reporting agencies that The Best Service Company reported an item onto my credit for a collection in the amount of {$2200.00} ( per XXXX ) this item reflects XXXX XXXX as the lender / creditor. I attempted to dispute this item as i have not had any accounts with XXXX. The dispute was denied, Best Service Company reported that the dispute is invalid. 

I contacted XXXX XXXX and was advise my name and information does not match, and that it wouldn't be reporting on personal credit since the item is a business loan/account not a personal one. I contacted best service company and was advised that it is a personal obligation and that they will continue to report it, unless i send documentation in to provide the details. This is not resonable as i was asked about a different last name of an individual or business and denied knowing any of those individuals/entites. I requested they review with XXXX and remove the item from my report, to no avail. 

I am requesting they remove this item from my credit immediatly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/2018.This debt collecting company LVNV reported this item on my credit. I sent out several validation letters to them and to the bureaus. with all that I ask them to send me to validate this debt, they did not send. I also sent a affidavit to this company for validation with no response.im looking at this matter as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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 am a victim of identity theft and my name was part of a recent breach where my personal information was leaked. As i take notice of my credit report i notice that i have two accounts that aren't recognizable to me and don't belong to me. I have contacted the FTC, the attorney general office. I've sent out certified letters a few months ago and i haven't received any results. It's been more than 90 days and that is a violation. If it's more than 30 days of an investigation and it's more than 30 days that is a problem that has to be honored and considered.

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter Account : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation not verification of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA.

Credit Bureau did NOT provide me a HIPPA release that releases my medical information to anyone, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/credit bureau should this item not be deleted within 3 business days i will seek litigation, and look to be compensated for the damage that was done to my credit report and my life allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 non-monetary relief
Consumer complaint received 2019-08-07 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 a victim of identity theft and my name was part of a recent breach where my personal information was leaked. As i take notice of my credit report i notice that i have two accounts that aren't recognizable to me and don't belong to me. I have contacted the FTC, the attorney general office. I've sent out certified letters a few months ago and i haven't received any results. It's been more than 90 days and that is a violation. If it's more than 30 days of an investigation and it's more than 30 days that is a problem that has to be honored and considered. 

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter Account : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX  XXXX To Whom It May Concern : Please be advised I have requested validation not verification of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 
Credit Bureau did NOT provide me a HIPPA release that releases my medical information to anyone, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/credit bureau should this item not be deleted within 3 business days i will seek litigation, and look to be compensated for the damage that was done to my credit report and my life allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
Tower Loan of XXXX XXXX, Ms Calls my Job 6 times Everyday and Call my Phone 20 times a day and Calling other people that I put as a Reference after I told them I will get my loan Payments caught up. And also calling from one other number!! 
When amswer just be so Rude and Talking to me like I am a child!! 
I will not get with this loan company again!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MoneyLion Inc.
State: TN

Complaint narrative:
MoneyLion is a new bank that was offering a 'Pave the Wage ' promotion to join. The promo was 17 % of initial direct deposit, up to a max of {$590.00}. I signed up and opted-in to the promotion and made my first direct deposit on XX/XX/2019. I never got a confirmation, so I emailed the company to make sure I was eligible. The reply states I would be opted in to the promotion. I then made continuous direct deposits of my pay every 4 weeks. The promo states the {$590.00} bonus would be paid at 90 days. 

It has been well over 90 days and no bonus. I tried to contact the company by email, XXXX XXXX, XXXX XXXX, and using their online help. I have not received a single reply. 

And, within the last week, the company raised {$XXXX} XXXX dollars and now has a valuation of $ XXXX. 

Terms : XXXX XXXX XXXX  Copy of email : XXXX XX/XX/2019, XXXX XXXX Hello, Thank you for your response! 

I have submitted your information to be included to be opted in. We appreciate your patience! 

Best Regards, MoneyLion Support Team

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I've had a Citibank XXXX XXXX XXXX card for over three years. I made the payment ON TIME every month via direct deposit from my XXXX checking account. In XX/XX/XXXX there was fraudulent activity on my wife 's ( over {$2000.00} ) debit card so XXXX closed the account ( the account that was tied to direct deposit ). After closing the fraudulent account, we opened a new account with XXXX with a new number. 

Obviously, when Citi tried to take payment from the XXXX account via auto-pay they were unable to do so as the account was closed for fraud. Therefore, the payment was never received by Citi. I received an email for the lack of payment, attempted 4 times to update the account number online and was unable to do so. So, I called Citi on XX/XX/XXXX to tell them the new account number verbally. The agent was fine with and in fact said they would waive any late fees or penalties as this was a simple oversight on my part. 

OnXX/XX/XXXXI was informed my account was closed and I have no available payment. Again, this account was ALWAYS paid on time and never late - even after the mix up the payment was not 30 days late. This is truly ridiculous so I am filing a complaint in the hopes you can get my account reopened. 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 2019-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rodenburg LLP
State: WY

Complaint narrative:
I had a judgement against me, but I was never served. I was never given the opportunity to plead my case. I offered to make payments and my offer was declined. They're now threatening to make me pay {$130.00} a month or garnish my wages. I am self- employed and I'm homeless. They can not garnish my wages, but I'm afraid since they've already broken the law by allowing a judgment against me even though I was never served Im afraid they'll just garnish my wages anyway. What do I do? I don't have any of the paperwork because I was never served. I don't know who to contact?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Comerica
State: AZ

Complaint narrative:
Regarding XXXX On or around XX/XX/2019, i received a notification from all 3 credit reporting agencies that The XXXX XXXX XXXX reported an item onto my credit for a collection in the amount of {$2200.00} ( per XXXX ) this item reflects Comerica bank as the lender / creditor. I attempted to dispute this item as i have not had any accounts with comerica. The dispute was denied, XXXX XXXX XXXX reported that the dispute is invalid. 

I contacted comerica bank and was advise my name and information does not match, and that it wouldn't be reporting on personal credit since the item is a business loan/account not a personal one. I contacted best service company and was advised that it is a personal obligation and that they will continue to report it, unless i send documentation in to provide the details. This is not resonable as i was asked about a different last name of an individual or business and denied knowing any of those individuals/entites. I requested they review with comerica and remove the item from my report, to no avail. 

I am requesting they remove this item from my credit immediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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:
Trans Union is reporting an incorrect bankruptcy on my credit history. It is not mine. I sent documentation. They stated they verified it. They did not. The Court DOES NOT give any information to ANY outside sources. They never provided me proof this belongs to me under FCRA they are required to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Please accept this formal Request for Information under loan number XXXX. Please provide a complete life of loan accounting for loan number XXXX from inception through XX/XX/2019. Thank you, 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 2019-08-07 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:
I am writing to dispute a fraudulent charge on my account of {$11000.00}, {$21000.00} 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 Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$11000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$21000.00} -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 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 non-monetary relief