vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-04 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: TN

Complaint narrative:
I was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and police in my area. XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX. 
There are also several inquiries on here that ore not mine and needs to come off my 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 AND 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.

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 2019-10-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened Chase Saving account online in XX/XX/XXXX with the promotion of {$200.00} bonus for depositing a total of {$15000.00} or more in new money within 20 business days, and maintaining a {$15000.00} balance for 90 days ( promotion link : https : XXXX XXXX XXXX XXXX XXXX XXXX ) by clicking on the " open account '', which automatically load the offer code in the saving account application. The bonus should be deposited to my saving account within 10 business days of meeting the terms and conditions. I met all the terms and condition but still haven't received the bonus by XX/XX/XXXX. I contacted Chase via online message, but was told there is no promotion code ever on the account and since the account has been opened for more than 21 days they would not be able to add the code now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-04 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: NY

Complaint narrative:
I have been a victim of identity theft

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 2019-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Genesys National Recovery, Inc.
State: PR

Complaint narrative:
Complaint Number : XXXX XXXX XXXX XXXX XXXX about collection of debt without a written notification Complain Number : XXXX XXXX XXXX No receive of written notification before send the account to a collection and also the possible use of personal information The complaints was submitted by telephone call with a customer representantive at XXXX ( XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
This company " XXXX XXXX XXXX '' calls multiple times daily starting at XXXX. I have consistently told them to remove my number from their calling list due to the multiple calls. I eventually blocked the number, however they continue to call from " Unknown '' numbers this time around XXXX Est, they continue to leave voice messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: MI

Complaint narrative:
After reviewing a copy of my credit report I noticed a fraudulent account that was listed on there. I have gone to the police but they have said that there is nothing they can do since I have no information on the suspects. Please remove this fraudulent account from my credit file as it is reflecting me negatively. 
The name of this account is 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 2019-10-04 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: NY

Complaint narrative:
I have been a victim of identity theft

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 2019-10-04 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 have been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc.
State: TX

Complaint narrative:
Hi, As of XX/XX/XXXX, I havent been able to log in to Money Lion checking account. I called innumerable times since then, talking to incompetent customer service agents and supervisors that tell me the ticket has been escalated ( more than 3 times ) and that their engineers have been working on it ( for almost more than a month now ) and I still havent been able to access my own account or pay certain bills ( that require transfers ). A few times in the past, they withheld funds that I tried to transfer to pay my car payment and credit card, and I was charged late fees for returned payments, even though I had the money in my account. I have not been able to see my account information, know my account number, or see my own investment fund. I have to call them to know transactions and balances, and they still have not fixed this issue. Every time I call, they act as if its the first time Ive spoken with them, and I have to start all over. Theyve also told me Im not the only customer in this situation. Im sure this is borderline illegal. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: AZ

Complaint narrative:
I noticed this collection on my account in XX/XX/XXXX and immediately paid it. I asked my wife to call to try to get it deleted off of my credit report but they refused her since it was not her account. 

We moved from XXXX  to XXXX in XX/XX/XXXX. We had an account with XXXX XXXX and we never received our final bill. It was an extremely hectic time. We were moving across the country with a XXXX and XXXX year old to a place none of us had ever been. We moved into temporary housing until we could find a permanent home. We moved into our current home in XX/XX/XXXX. You can imagine the stress of that time. 

We never received any notice of this debt from either helvey and associates or XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: FIRST ADVANTAGE CORPORATION
State: ID

Complaint narrative:
My name is XXXX XXXX and I applied for a job with XXXX XXXX XXXX Idaho. I have two felonies on my record one is for partner-family member XXXX  out of Montana the incident of all of myself and my ex when I walked home from work and found her in bed with one of my friends or somebody that I thought was my friend I spent three years for that and its entirety I have another XXXX for a XXXX XXXX of XXXX XXXX   XXXX I XXXX   five years for that I did both sentences and was released I paid my debt to society I have a XXXX did I did XXXX years XXXX  XXXX   successfully I have a letter of completion from my XXXX officer and also for successfully completing XXXX and XXXX   XXXX  for a year intense all I'm asking is for a fair chance to work and provide for my family I'm not on XXXX  I'm not a XXXX and I was just like an equal opportunity like everybody else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: PA

Complaint narrative:
XXXX Card continues to place hard inquiries on credit file for dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Requested authorization of signature and company fail to comply

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one sent information regarding removal of credit inquires off credit file. XXXX, XXXX  and XXXX failed to comply of removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I get electronic statements. I have scheduled payments with my Kohl 's Credit card a week before the payments are due. I wait 24-48 hours and then check my Kohl 's app and the computer website to make sure it was pending. The payments NEVER show as scheduled or pending under those options. Once I forgot I had scheduled a payment twice because of this. In calling Kohls each time, I am given deflective answers and have even been accused of " you're not looking at the system correctly ''. 

They have not fixed their system, though I have made complaints with them previously. I've attached today 's picture of my account screen shot on the website which is dated and time stamped in the lower right hand corner. The payment is scheduled for today as they were able to see on their end, and they had it in for two payments to be taken from my bank account?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: TN

Complaint narrative:
I saw on the news about a data breach with one of the stores I shop at a lot. It alarmed me and caused me to check my credit. When I pulled my credit I noticed several things on my report that looked strange. After further looking, I discovered several things that are not from me. I have completely no idea where these things came from and would like them taken off. I reached out to the FTC and police in my city also. These need to be removed : 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

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 2019-10-04 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: TN

Complaint narrative:
I saw on the news about a data breach with one of the stores I shop at a lot. It alarmed me and caused me to check my credit. When I pulled my credit I noticed several things on my report that looked strange. After further looking, I discovered several things that are not from me. I have completely no idea where these things came from and would like them taken off. I reached out to the FTC and police in my city also. These need to be removed : 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

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 2019-10-04 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: TN

Complaint narrative:
I'm trying to buy a new house ; so I had my credit checked just to see where I am credit wise. I noticed several things on my report that are completely foreign to me. A FTC and police report have already been made. These items are not mine and need to be deleted. USDA RUR DEV, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: PA

Complaint narrative:
XXXX XXXX sent information regarding removal of credit inquires off credit file. XXXX, Equifax and XXXX failed to comply of removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
The PNC website advertises a HELOC with a fixed rate lock feature. The advertisement contains a payment amount example and a rate amount with a fixed rate lock of {$50000.00}. When I inquired about this option, however, the Loan officer told me that the best rate was only available on fixed rate locks of {$75000.00} or more. This means the payment amount does not match the rate advertised. This is deceptive as they are advertising terms that are not actually available.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXX XXXX, 2019, my husband applied for a loan online and was linked up with XXXX XXXX to process this loan. He was informed that several deposits would be made to his personal checking account and that he was too purchase gift cards, specifically 4 of them, in the amounts of {$500.00} each, with these funds that were being deposited into his account. By the time he realized that this may be some sort of scam, there had been {$2400.00} withdrawn from our joint checking account ( for which the information for this account had not been disclosed. ) We have addressed this issue with the bank and have filed a police report. Our bank will not work with us and is simply stating that the funds were legally transferred from the joint account to my husband 's personal account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX charges ( {$1200.00} ) for equipment and final bill. Equipment was returned on XX/XX/XXXX and received by XXXX. Final bill was paid in full on XX/XX/XXXX for {$520.00} rep was XXXX XXXX Confirmation number XXXX. Ability recovery was handling this acct and are aware that its settled. Was settled directly with XXXXXXXX XXXX XXXX XXXX. Disputed with XXXX XXXX who says this debt is accurate and will stay on my credit.

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 2019-10-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
My son went to XXXX XXXX XXXX in XXXX Missouri in 2007. I was terribly upset when they kept adding more and more dept to the student loan that I did not approve of I did cosign for his 1st semester but the school was not disclosing all the debt that they kept adding on. My son should have had his associates when he left and we also never was able to receive a copy of it or transcripts for our records. At the time they put me way over what I had agreed to which was about XXXX and the debt reached far above that. Is there any way to get out from under this debt? I feel the school did not explain and was not honest with us and this has burdened me and my son now for years. He ended up going into the XXXX after school because he was unable to get work in the computer field after going to school for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
To whom it might concern, On XX/XX/XXXX I sent a letter to Synerprise Consulting Services to dispute the validly and terms of the reported debt under the terms of the Fair Debt Collection Practices Act and Fair Billing and Reporting Acts. ( Copy of Letter attached in pdf format, as well copy of signature reception number XXXX XXXX XXXX XXXX XXXX of certificated letter ) This company without any warning and validation of the debt placed negative information in my credit report. ( Copy in pdf attached showing negative report placed by this company SYNERPRISE CONSULTING SERVICES. ) I asked the Collection agency to Submit verification of this alleged debt and include documents mentioned in the letter mentioned above. As an answer from this copy, I just received a page saying the total amount owed is accurate. But, without sending any requested document for verification of the debt. ( Copy attached of their document ) THEY FAILED TO COMPLY MY REQUEST OF VALIDATION.

I also include three pages shows this debt does not exist. 
It was paid directly to the XXXX XXXX. 
The hospital authorized me insurance directly from XXXX XXXX what they call XXXX Connection. 
The hospital account is XXXX and all charges from XX/XX/XXXX to XX/XX/XXXX balance is XXXX. 
In copies attached shows a number which is XXXX to confirm there is not such debt. 

I want to stress I never signed any document with any company ONLY with XXXX XXXX. 
And this collection company has violated my rights according to Fair Debt Collection Practices Act and Fair Billing and Reporting Acts.

As well has caused me too much damage in different ways like : Emotional stress loses in my business as consequence of this negative report, immobilizing my life in different ways, all my invested time and affecting my family among other troubles caused by this negative report of this Collection Company SYNERPRISE CONSULTING SERVICES.

I do not forget to mention they have called me in different times and different hours which I will proof in Court with the reports of my company providing me my telephone service. Yes, I will proceed to  pursue all causes of action against this company to seek all legal actions available. Yes, I will file a suit against this Collection Company SYNERPRISE CONSULTING SERVICES. 
I kindly ask to this honorable Government Institution to apply all legal corrections and penalties to this company SYNERPRISE CONSULTING SERVICES for ALL the violations to my rights and keep me informed. 
Please if you might need any additional information or have any question, do not hesitate to contact me. 
Sincerely, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Texas, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: TN

Complaint narrative:
I'm trying to buy a new house ; so I had my credit checked just to see where I am credit wise. I noticed several things on my report that are completely foreign to me. A FTC and police report have already been made. These items are not mine and need to be deleted. USDA RUR DEV, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy.

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 2019-10-04 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: TN

Complaint narrative:
I'm trying to buy a new house ; so I had my credit checked just to see where I am credit wise. I noticed several things on my report that are completely foreign to me. A FTC and police report have already been made. These items are not mine and need to be deleted. USDA XXXX XXXX, XXXX, TN XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy.

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