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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   EQUIFAX MTG, XXXX XXXX XXXX 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently applied for a Business loan long story short I was denied. I don't understand why I wasn't because I'm typically approved for everything I apply for. So I checked my credit report to see what my score was. After doing so I notice some items on my credit report are not mine. I reached out to the FTC and to my local police department. I need these items deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquiries : XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX/XXXX XXXX. I am doing all of this on my own.

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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/2019, I surprise received a credit card from Lowe 's provided by Synchrony but I didn't register anything.

In XX/XX/2019. I received a bill from them for the amount of over 600 . I make a claim and check with Synchrony that is not by my SSN In XX/XX/2019. I continue received a bill from them for the amount over 800 . I countinue to claim with Synchrony bank.

In XX/XX/2019. I received the " denied letter " from Synchrony for my claim.

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: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Insight Management Partners, LLC
State: TN

Complaint narrative:
2 months ago I contacted this company to try to work out a payment plan with ( insight management ) that owned a XXXX credit card that was apparently mine from XXXX. They contacted my mother twice leaving voicemails, so I contacted them to try to pay them {$50.00} per month on a balance of what was said to be $ 2k. They refused my payment and said we would rather sue you then take your payment and when we do we will sue for $ 10k, so I told them okay I would see them in court. Fast forward to today XX/XX/XXXX they called my brother in law to try to reach me ( call is logged ) and gave him all of my personal information. They told him I owed XXXX furniture and even told him the FULL balance. This is illegal and my brother in law even told the person that they are not allowed to be telling him this. He is willing to testify if I need him for this. I called them an hour later and all they had to say was uh we are very sorry. You are sorry that you broke the law and this company should be took care of or freshened up on laws that they are suppose to know such as the debt collections practice act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Sometime around XX/XX/XXXX 2017 I XXXX my XXXX XXXX. I went to urgent care, and received a medical bill from XXXX XXXX XXXX XXXX XXXX totaling {$1100.00}. During the time, I went through financial hardships, and I didn't receive enough information to confirm that I had the debt under my name until it showed up as a derogatory mark on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Over the past 2 years I've been receiving numerous phone calls from AWA Collections in regards to a alleged debt of ( original debt ) {$1700.00} ( interest & fees ) {$600.00} ( Total ) {$2300.00}. On XX/XX/2019, I sent AWA Collections a " Affidavit of Debt Validation '' asking for a certified original " wet ink '' signature of an contract between " AWA Collection '' and myself. On XX/XX/2019 I received a response letter without an original contract to substantiate their claim. AWA Collection did submit to me in their response, that they are aware that the debt has been " Charged Off ''. Per the FDCP a collection agency that is continuing to collect a debt that has already been used as a tax loss is considered " Unjust Enrichment '' and is grounds to be sued.

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: EQUIFAX, INC.
State: SC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX Unknown : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
I have called NATIONWIDE RECOVERY SERVICE several time to get the company to send out verification of this debt opened on XX/XX/2014 in the amount of {$170.00}. I spoke to several people and they refuse to send out any verification to me.

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXXsold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Bankruptcy Chapter XXXX-Dismissed : XXXX Bankruptcy Chapter XXXX-Dismissed :  XXXX Bankruptcy Chapter XXXX-Dismissed : XXXX Bankruptcy Chapter XXXX-Dismissed : 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXXsold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Dismissed : XXXX, Chapter XXXX Bankruptcy Dismissed : XXXX, Chapter  XXXX Bankruptcy  Dismissed : XXXX and Chapter XXXX Bankruptcy  Dismissed : 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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
XX/XX/2017 I went to XXXX Nissan to do a trade in payoff for a new car which was a XXXX XXXX  XXXX XXXX Me and my co-sign XXXX XXXX got approved by Nissan motors acceptance corporation. We both signed paperwork for the car but not technically on the same day of the purchase. After we were told that the paperwork was cleared and spoke to a representative from Nissan motors acceptance to answer questions, everything was fine and we had to wait to receive our account number and other information through the mail. Soo the next week on XX/XX/2017 I got into a bad car accident with an off duty police officer and the car got total. The next day or couple of days after the accident, I told the dealership my situation and being that I had gap insurance and my auto insurance sent out a settlement check for the car. At the time I told the dealership, they wanted me to come in on XX/XX/2017 to come in and signed another contract for a different bank which was XXXX XXXX  and told me that the gap insurance was still going to cover the remaining balance left on the loan for the car. Also, with the new contract I noticed that they wanted to switch me as co-signer and my girlfriend as primary buyer which was kind of confusing because onnthe first contract I signed on XXXX XXXX, I was the primary buyer and my girlfriend was the co-signer. After the contract was signed, I contacted gap insurance to file a claim on the vehicle and was told that I cant file a claim on the car because the accident happened on XX/XX/2017 and I signed the contract on XX/XX/2017. In they system nothing showed up about Nissan motors acceptance which I signed on XX/XX/2017 only the XXXX XXXX contract. They told me to contact Nissan motors acceptance to get a account number to dig deeper into they system to find out the issue which I did and they told me no account exist in they system using my name and social security numbers. I contacted gap insurance back and shared the information I got from Nissan motors acceptance and they told me its nothing they can do because the contract was signed on the XXXX of XXXX and the accident occurred on XX/XX/2017. Apparently, we were lied to about the paperwork being good and basically been driving the vehicle of the lot with no loan. Now Im stuck with the XXXX XXXX  loan and I dont even have the car in my possession. Its really affecting me and I cant do anything unless this loan gets resolved and removed from my credit. This need to be fixed ASAP!

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am not having an issue with the actual company ( PayPal ) that the the monetary exchange happened on except for not being able to cancel the transaction. My problem is with the person who turned out to be a fraud or a scam on XXXX. 

On XX/XX/2019, a person messaged me on XXXX about having a certain concert ticket I was searching for. She sent me a screen shot of the ticket I was looking for and it all looked very legitimate. I even asked a friend and she agreed. She wanted me to send her the money through PayPal friends and family. It wasn't a large amount of money so I preceded to send the money. She said she went to verify that the money was there after I sent a screen shot of sending her the money. She was then supposed to email me the tickets. I messaged her twice and then fell asleep ( this was at bedtime ) and this morning I check and the account of the person no longer exists and I can not message her back, the messages are all grayed out and you can't see her profile or find her in a search ( at least under my name ). XXXX XXXX shows this message, " This message is no longer available because it was identified as abusive or marked as spam, '' as the last message I received from this so-called account. As I said I sent the money ( {$40.00} ) on PayPal and was charged a {$2.00} fee for being in another country ( said she was vacationing there and that's why she couldn't go to the concert and was selling her ticket ). I also sent as Friends and Family even though I know that wasn't the best idea but of course if the seller can avoid a fee they are going to try. should have known something was up then but although somewhat sketchy it was not a large amount of money I was paying so it also seemed somewhat legitimate. The money says its supposed to arrive on XX/XX/2019 but I still am unable to cancel the transaction on my PayPal. I realize this money probably won't be retrieved but after looking further into this afterwards, there seems to be lots of SPAM accounts and what concerns me is that this could possibly lead to identity theft or draining my accounts. The XXXX name/profile she used was XXXX  XXXX XXXX or XXXX XXXX XXXX. It shows one way in XXXX XXXX  but seems like it was the other way when I looked at her profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
I got a vehicle in 2010 around XXXX from jd byrider Cnac was the loan company well this was in Indiana and the vehicle had a warranty of 24 months or 24000 miles well we moved to South Carolina and I did not drive the vehicle I pulled it on a trailer got to South Carolina and the transmission starting to slip well contacted cnac and they told me to take it to jd byrider in sc well I did and the area I got the vehicle was a corporate office well in sc they did not have one so they were trying to charge me well cnac in Indiana told them no. So took it to XXXX Georgia got the same response want to charge me for a warranty repair so I told cnac this not right so the account mgr went to his supervisor and we can meet up with this they would pick up truck sale it at a auction and take the balance down to XXXX owed. I said ok, they got vehicle but could not get it out of tow truck lot I ask my account mgr what he wanted me to do and he ask if I could get vehicle out of impound lot I did well it cost me {$1000.00} to do so they say I owe them XXXX well they did not reimburse me nor remove the amount they got for the truck off let alone they were in violation cause they would not fix warranty repairs let alone remove any balance they promised me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/2019 in an attempt to reduce the amount of interest charges on a current credit card debt I read over a mailer I received for a Discover It Business card offer. The terms and conditions listed that Balance Transfers are offered at 15.24 % APR and a fee of 5 % of the transferred amount followed by the rules/regulations governing balance transfers. Knowing that this cards rates and fees will save my company money in interest charges, I applied online. During a required phone conversation I was approved for the card, at which time I inquired about the Balance Transfer procedure. The representative replied with this card doesnt offer Balance Transfers. Thinking that the rep had made a mistake I informed her that the mailer I received said otherwise. She apologized and said their must be a typing error ... our business card doesnt offer Balance Transfers! Of course I was angered by this, the sole purpose of applying for the card was because of the advertised Balance Transfer options! Not only was I misled by their fraudulent documents, they have placed credit inquiries with XXXX  that will affect my credit score when applying for a card that does offer Balance Transfers. I have canceled the card and simply want Discover to take steps to remove the inquiry from my credit report! To which they have responded that they can not. 

This is false and misleading advertising.

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 — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Transunion holding a 12 year old bankruptcy over My head and XXXX denied Me credit because if it

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 card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/XXXX purchased was made for {$3200.00} ( promotional date to avoid interest was XX/XX/XXXX ) and on XX/XX/XXXX purchased for {$1100.00} ( promotional date to avoid interest XX/XX/XXXX ) Both of the balance were made in full but still getting being charged interest for {$3200.00} stating they never received the payment which is not true and I have proof via their email system. I still paid the left promotional balance but their customer will not help. In fact I have paid more {$580.00} than what I actually owed.

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 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: CA

Complaint narrative:
i had the costco XXXX XXXX credit card as a member, when costco decided to switch from XXXX XXXX, as the only credit card they would allow costumers as the payment method, to the XXXX visa card i was switched to it automatically, after about 1 year when the XXXX card expired i got a letter saying that they were closing my account because of delinquency on an old account. i called i asked them why they gave me the credit card for 1 year and that they couldve not gave it to me from the beginning they told me they had the right to cancel my account at any time, but not only they cancelled my account but they kept charging me for late fees and interest i told them that if they were the ones closing my account at least they shoudlve stop charging me late fees and more interest! i need to mention that while my account was active i never missed a payment, never had a late payment and i paid the whole amount at least 3 times, and also they said that they were not giving me the rewards money ( costco cash back rewards ) that i had earned until they closed my account.

so i think they were racially profiling me and discriminating 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