vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-01 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: PA

Complaint narrative:
Greetings, my name XXXX XXXX and I am reaching out to delete several items from my credit report. I am a victim of identity theft and did not authorize these items on my report. I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete these items as soon as possible.

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 2022-04-01 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: PA

Complaint narrative:
Greetings, my name XXXX XXXX and I am reaching out to delete several items from my credit report. I am a victim of identity theft and did not authorize these items on my report. I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: MS

Complaint narrative:
Equifax will not remove fraudulent hard inquires on my credit report despite me disputing multiple times. I have mailed in the requested documents ( letter, ID, police report, FTC report ) on 4 separate occasions, including a fax. They continue to tell me they have not received my documents and that I need to mail them again. I have delivery confirmation and fax received confirmation. I have been given run around for months and have been lied to by multiple representatives of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: PA

Complaint narrative:
Greetings, my name XXXX XXXX and I am reaching out to delete several items from my credit report. I am a victim of identity theft and did not authorize these items on my report. I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete these items as soon as possible.

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 2022-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
The account was closed two years post-bankruptcy, without any communication to the customer. The closing comments on the account state that the account was closed due to bankruptcy, with a closing balance. However, the account is not listed on the bankruptcy articles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/2022 my credit was illegally ran by synchrony financial causing me to have a have a hard inquiry on my credit report. I did not apply for any credit on XX/XX/2022 and I need this inquiry that was illegally placed on my XXXX report removed. I contacted the synchrony bank fraud department on XX/XX/2022 and spoke with someone named XXXX who informed me that someone tried to illegally apply for credit with synchrony bank using my Identity. She informed me that synchrony bank would send a request to remove the inquiry from my report but that has not happened and the false inquiry is still on my XXXX 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 non-monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
In XX/XX/XXXX, I discovered my identity had been stolen and the account was fraudulently opened in my name. Initial fraud alert was placed in XX/XX/XXXX and my dispute was declined and I was not notified. I discovered an error on my credit report in XX/XX/XXXX with incorrect name and discovered it was the fraudulent Bank of America account that had been compromised. An individual in Kentucky had changed to a false name and charged the account over {$200.00}. I disputed again. The account was removed from my credit report, but the fraudulent name continued to appear. I received confirmation that the account was removed. I reported a third time in XX/XX/XXXX after continuing to receive statement from Bank of America for false name. The false name continues to show on my report and I have not been able to remove that name from my social security number due to Bank of Americas uncooperative actions.

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 2022-04-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I came across paperwork from XXXX for two IRA certificates of deposit that had been gifted to me. The amounts on the accounts were approximately {$330.00} and {$330.00}. The accounts were at XXXX XXXX XXXX  XXXX Chicago. According to the FDIC, that bank merged into Bank One which then merged into JP Morgan Chase. 

I made an appointment and went to a branch in XXXX XXXX, sitting down with XXXX XXXX XXXX on XX/XX/XXXX at XXXX pm XXXX with the paperwork. He informed me that he could not find the accounts in their system and that there was no recourse to research what happened to the accounts. 

I later called customer service for Chase that same day and spoke with a woman who identified herself as XXXX at approximately XXXX pm PST. She also said she could not find anything in her system. Moreover, she stated that there are no accounts older than seven years and that there was no recourse to research or find this account. 

That strikes me as untrue inasmuch as an IRA is meant to be held for a long period of time. Moreover, an IRA XXXX should be a liability that was assumed during the mergers and the accumulated interest should be significant by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: OH

Complaint narrative:
complain was : I purchased a XXXX premier package from this company and spent several weeks and at least 15 to 20 phone calls getting them to do the job I paid for. I was assured my dispute would go out within a certain timeframe, three of them did, three did not. In addition my disputes were not customized based on the documentation I uploaded to the company. When the work was finally done Lexington would not provide me with a copy of the actual disputes they had submitted. As a result I have zero proof they actually completed the work paid for. They sent me a string of numbers and claims this was the dispute, and that they could not actually provide a written version, however this seems incredibly unlikely. The end result being that obviously my Negative and invalid credit Reporting remains on my credit report. I feel this company has failed to deliver the services that promised on multiple levels outlined above. I was billed twice XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX My invoice # XXXX My client ID I did file a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. Complaint ID XXXX. The company responded and claimed to have sent me the disputes, however what they actually sent me was a string of numbers. When I reached out to them it They were continually unable to provide them. Additionally in this complaint the main issues Im not producing the work, the duplicates and excessive billing, and the late delivery of work if it was even completed were never even addressed. Regardless the XXXX XXXX XXXX saw fit To flag this complaint as resolved even though it wasnt and I am extremely disturbed. I reached out to the XXXX XXXX XXXX by fax and expressed my dissatisfaction with the fact that they are A consumer protection bureau and it seems to me that they are covering up for this company in that this complaint was closed without the issues even been resolved. 

I feel like I was definitely scammed by this company and want some resolution My key issues outlined in this complaint were the inability to verify work, And double billing, And late submission of work if it was even completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have had major Identity theft issue, I had my mail box key stolen from car, and wallet with Drivers license also stolen. 3 fraudulent accounts were opened tour took in care of fairly fast but this third one city group continues to be an issue for me. I have included in this email please report over included two other documents stating fraudulent activity and a letter stating security breach, where they had access to vital information. 
I also have documented/diagnosed XXXX  XXXX which Makes things even harder for me. The other two credit companies immediately closed accounts and took it off my report, City card has done nothing to help ijust giving me numerous threatening calls and threatening letters. I have have perfect credit my whole life no late payments know anything I give you permission to look up this information to prove this. I have a diagnosed/documented XXXX XXXXXXXX and I believe they may be discriminating against me because I dont understand a lot of stuff theyve been sending me Citi Card ending 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 2022-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
This company keeps unrelentingly calling me daily and sometimes multiple times a day. It has been over a year. They claim I have debt or mortgage due but it is not my debt or mortgage and they have not proven it was mine. I have asked them to stop contacting me and calling me but they continue. I have been threatened that I will be arrested if I do not follow instructions. I have blocked their number but the company keeps calling me under multiple numbers! Blocking them does not help. Please tell them this is harassment and to remove me completely off their call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MO

Complaint narrative:
Guess this new company bought this from someone if it is spectrum I never have had thier service I have XXXX XXXX if it is another company I have no knowledge of this keeps popping back up after it was removed the dollar amount has been the same

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Hi I called loan care who services my loan which transferred me to lake view who has my mortgage. They gave me the runaround but finally sent me to someone who was supposed to help answer questions regarding refinancing. This man was really agitated and said it didnt matter what questions I had because I would not be able to qualify because I am on forbearance. I let him know, I know but I was asking for the future once I was making my payment, so I can remove privarte mortgage insurance in the future. He said I should worry about making my payments and would not answer any questions regarding refinancing. I told him I needed this information to make an educated decision on wether I was going to do a partial claim or modification when my forbearance ended and he said to just pay my mortgage on time, or I wont qualify for anything. This call was done XX/XX/XXXX XXXX Ca time and the entirety of the call including being transferred was XXXX minutes.

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 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After review of my personal credit report, I see inaccurate information of accounts that were previously erased and than put back on my reports wrongfully and without my written consent.These issues are in violation to The Fair Credit Reporting Act, 15 USC Sec 1681 ( I ) ( a ) ( 1 ) ( 2 ) ( A ) ( B ) ( C ) ; and 15 usc 1681 section 602 A

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 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. The did not do this. Also, they have viola
ted my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Cr
edit bureaus stated my account was properly investigation

but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, i did not give anybody w

ritten instructions inaccurate, and date last reported is not accurate. This ground for removal. They also violated the law becausey according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without m
y written instructions

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 2022-04-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ( Date of Birth ) XX/XX/2022 Experian To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On ( insert date of report ), I retrieved a copy of my credit report from XXXX and discovered inquiries that I have no knowledge of. 

Because I did not apply for credit with any of the creditors, I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into all creditors inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if the creditors are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. There is XXXX inquires in all and I am attaching my credit report for you to validate Thanks in advance for your prompt attention to this matter. 

Sincerely, 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 2022-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: MA

Complaint narrative:
On XX/XX/2022 Credit Karma deposited {$2600.00} into my card. My federal refund was supposed to be {$2.00}, XXXX. After paying my fees from XXXX XXXX for filing, Credit Karma took out an additional {$210.00}. These fees were not discussed nor disclosed to me. My federal refund was supposed to be in the amount of {$2800.00}, instead {$2600.00} was deposited into my Credit Karma card. I did not authorize any other fees nor were any fees disclosed when I filed my taxes. I have been trying to get in contact with Credit Karma and XXXX XXXX. However, they are blaming each other for the money that was taken out of my federal refund. This is unacceptable and because of Covid, I was expecting all of my refund to pay my back pay of 3 months of mortgage payments. Please help! I would like my {$210.00} back on my card. That is my federal income tax refund. Please feel free to contact me by email and/or by phone at XXXX XXXX XXXX. I am not getting anywhere with Credit Karma or XXXXXXXX XXXX I am asking for your assistance. Credit Karma has also done this to numerous of clients who filed with XXXX XXXX. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: IL

Complaint narrative:
I have XXXX separate student loans with Sallie Mae. Each time I reach out to Sallie Mae, the agents tell me a different option than the previous agent told me when we made arrangements before. 

Throughout my XXXX years of college, I paid interest on XXXXXXXX XXXX the loans. I graduated with a degree in XX/XX/2020 at the height of the pandemic. Unable to find work, I called Sallie Mae to make arrangements for a lesser payment when the loan payments were to commence XXXX months after graduation. 

In XX/XX/2020, I was granted and forbearance and told that when it ended I could request another. When that ended, I was forced to pay nearly {$800.00} a month, but was told that after that, I would have other options available to lower my payments over a longer period of time. That GRP plan recently ended and no I'm told that I must pay {$1000.00} a month, even though I can not afford it, because I only make a fluctuating approx. {$1700.00} a month with expenses. 

Sally Mae is offering ZERO options for young people building a career with limited income to afford student loans and survive, even though I have shown ability to pay a lesser amount. Each time I call they raise the amount of payment and are charging nearly 13 % interest rate. 

It is criminal to not have any options for the customers who genuinely try to pay. Other student loan companies offer a variety of repayment programs, even extending the repayment timeframe. Sallie Mae offers ZERO options which is wholly unfair to consumers dealing with a pandemic, inflation, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation