vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent numerous letters to the credit bureaus regarding their inaccurate reporting of items on my credit report that should be deleted. Has they have not been properly validated and investigated on the part of the agencies. The credit bureaus continue to neglect that duties to provide fair and accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I called Equifax want times and trying get a item removed from my credit file and they took more than 30 days and it still remains on my credit file and they refused to remove it and they have a police report on there system so I called today on XX/XX/2019 and they refused send me a credit report and gain access to my credit file and told I need top send in some documents which I already did back in XXXX ... and I have two fraudulent accounts which is XXXX XXXX card services and XXXX XXXX card and I provided a police report back in XXXX and Equifax refused to accept it and I haven't gotten a credit report from them ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XX/XX/2019, I wrote to you requesting an investigation into items that I believed were INACCURATE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was called by certain XXXX XXXX who said she is from social security informing me that my social security # is being used for money laundering & drug trafficking. She told me that I have a warrant of arrest & a case & ask me to confirm for my social security #, name & address & I gave it to her. She said someone will call me to help me. She gave the case # XXXX & the warrant # XXXX. There was a call after but nobody was answering. So I called the # she used to call me someone answered but then the phone went off.I tried calling the # but it is said it is out of service. I tried getting my credit report but I couldn't get it. So I knew this is identity theft. The even hacked my phone.

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 2019-09-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/XXXX received unavailable call so answered that was my food deliver a man ask you XXXX XXXX and said who calling haven't used that name in over 25 years then he went on stated a summon for appearance in XXXX County courts but he was a mediator his name was XXXX XXXX and as mediator I needed to call XXXX and give complaint XXXX called got a lady ask if check n go she said yes and gave her complaint number she stated we are walking into XXXX County courthouse on fraudulent checks etc. I said what you talking about I been a victim of identity theft last five to seven years so what is this now? She said it you and went in your checking told her no my checking two of them was identified with identify theft and watch your accusing if I owe I pay. Then she never gave memorandum this is a debt any and all information obtained will be used for that purpose so it didnt seem right this call and they call me after finishing my school work for XXXX XXXX XXXX was tired a little. I then proceeded to call Ohio and ask for financial serive and collection department she ask for last 4 of my  social I gave as she was gon na check see if I had anything she said this is attempt to collect a debt ma'am XXXX we had a outstanding balance but we sold that debt to XXXX XXXX XXXX XXXX and for these threatening callers had my maiden name and married these were collectors not following the third party Federal Trade Laws no threstening customers they bad debt collector using force with this company and they bought this debt now for upsetting me and scaring a elder XXXX lady with police and court etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX ; XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item  needs to be removed from 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 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX ; Experian and XXXX  are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from 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 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on the XXXX  XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
OnXX/XX/XXXXIwired{$140000.00}toXXXXXXXXXXXX.Ihadthewrongaccountnumberonthewire.MybankshastriedtorecallthewirethroughthewiresystemnumeroustimesandXXXXXXXXhasrefusedtoallowtherecallandreturnthefundssoIcanwirethemoneytothecorrectaccount.ThewirewassupposedtogotoMs.XXXXaccountingendinginXXXXXXXXXX.WeleftoffthefirstthreenumbersandsentittoXXXXXXX.InspiteofthenamenotmatchingtheaccountnumberandtheproblembeingobviousXXXXXXXXhashadthemoneyfor3weeksandstillhasnotreturnedit.

Thisislotofmoney.Canyoupleasehelpmeandinvestigatethis.Howmanyotherpeopledoesthishappento?IhavetriedtocontactthebankeverydayandtheonlypersonIhaveeverspokentoisXXXXXXXXat(XXXX)XXXXext.XXXX.Afterintitiallyspeakingtomeshehasnotreturnedmultiplecallsforthelastthreedays.IhavealsoemailedtheheadoftreasurymanagementXXXXXXXXatXXXX.Ineverreceivedaresponse.

Pleaseinvestigatesootherpeopledon'thavetogothroughthis.Theyknowwherethemoneyisandtheyknowitdoesn'tbelongthereandtheywon'treturnitandwon'teventalktomeboutit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: NV

Complaint narrative:
This company is harassing me and extorting in the name of XXXX company they say that I owe them and for me that deals with scam they are sending me aggressive letters and bulgars when they call me I need them to stop harassing 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 2019-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My loan transferred from Ocwen Servicing on XX/XX/XXXX to PHH Mortgage Servicing. At the time I agreed to a loan modification with Ocwen and made the 1st of three trial payments. The remaining two payments were collected by PHH. I tried on several occasions to pay online and was not able to do so, I was told it was due to not having all of the data file transferred. My payments were taken over the phone by an agent for XXXX and XXXX. I have not received any communication from PHH since I made the last trial payment on XX/XX/XXXX. I have called and checked online, even sent messages and have been told that the modification department is still working on my request. In the meantime I received two collection calls but both representatives I spoke to reiterated the thing as before, no further information. I called today XX/XX/XXXX to follow up on a complaint I made on XX/XX/XXXX regarding improper reporting on my credit. I spoke to rep ( XXXX  # XXXX ) who refused to provide a reference number for my call. I don't know what is going on with this mortgage, I see property preservation fees ( indication of foreclosure ) however, I have received nothing in regards to the modification of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
SOMEONE HACKED INTO MY AMAZON CREDIT CARD AND THIS COMPLAINT CONCERNS SYNCHRONY BANK, THE HOLDER OF THE CREDIT CARD. THIS CARD WAS HACKED FOR 4 MONTHS WITH A TOTAL OF {$16.00} PER MONTH. I HAD TO CALL THE BANK 5 TIMES TO GET SOMEONE WHO KNEW HOW TO DISPUTE THE PROBLEM AND WOULD FIX THE PROBLEM THE PEOPLE I TALKED TO ARE AS FOLLOWS AT SYNCHRONY BANK. XXXX, XXXX, XXXX AND XXXX. THREE OF THESE WERE IN A FOREIGN COMPANY AND HAD NOT IDEA HOW TO FIX THE PROBLEM AND MOST COULD NOT UNDERSTAND WHAT IS WAS TRYING TO GET DONE. XXXX SAID HE WOULD DISPUTE THE CHARGES AND I CANCELED THE CARD. AMAZON SUSPENDED THE CARD AS WELL. THIS BANK HAS HAD YEARS OF ABUSE TO CUSTOMERS AND PLAYING DUMB, OR THEY SIMPLY ARE AND EVERY CORPORATION THAT USES THIS BANK KNOWS THAT THEY ARE MOSTLY IN THE XXXX WHERE THIS KIND OF FRAUD AND HACKING IS RAMPANT YET THEY REFUSE TO DO ANYTHING ABOUT HIRING THESE CORRUPT BANKING INSTITUTIONS. I WOULD LIKE THESE PEOPLE INVESTIGATED AND AMAZON IS ALSO VERY VERY CORRUPT AND ONE OF THEIR PEOPLE COULD HAVE USED THE CARD AS WELL. I DO NOT KNOW IF THE CHARGES HAVE COME OFF, BUT IS SUSPECT THEY WILL FIND A WAY TO NOT REFUND THE FRAUD CHARGES AND THIS IS NOT THE FIRST TIME THAT IT HAS HAPPENED

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 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my Transunion credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. The following inquiries are as follows : XXXX XXXX XXXX, XXXX F 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. If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

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 2019-09-20 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 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 HAVE REVIEWED MY CREDIT REPORT AND I FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. IT HAS BECOME SO 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 INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES LISTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE

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 2019-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2019 I contacted J P Morgan Chase Credit Card Services Requesting Chase Letters confirming my two credit cards ( Amazon and XXXX accounts ) were closed and charged off. The two Chase credit card Representatives refused my Request of Chase Bank written confirmation letters of Card Closures and charge offs and written balance of each of the two accounts. 

I need these letters for a US Federal court action to prove ill reparable financial harm against me committed by another party. This case is in the XXXX XXXX Circuit Court of Appeals awaiting Appointment of an Attorney for myself. 

I find my legal request of accommodation most disturbing while at the same Chase demands full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
This company is harassing me and extorting in the name of Toyota company they say that I owe them and for me that deals with scam they are sending me aggressive letters and bulgars when they call me I need them to stop harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
Reported Dates Opened : XX/XX/XXXX, XX/XX/XXXX I have never had or signed any contractual agreement with Navient or authorized an agreement with Navient for any type of loan including a student loan. Furthermore they are erroneously and inaccurately reporting me as late/delinquent on my credit report with the intent of extorting me via my credit, credit worthiness and my employment viability. 

The aforementioned is clearly in violation of the Fair Credit Reporting Act ( F.C.R.A. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I tried to purchase an item with my walmart credit card and use 6 months no interest feture since I met all requirements. When I called to do that I was informed that walmart is changing banks ( from Synchrony bank to XXXX XXXX ) and this promotional option is no longer avaiable. I complained with the company ( several representatives and supervisors ) and I was told they sent notification about those changes and also this is listed on their website. I reviewed the letter I received ( and called back ) about the bank change and nowhere on this disclosure was listed that I no longer have the option to use 6 to 24 months no interest when paying back my card. This was also not listed on theyr website. The Supervisor I spoke with could not address my concerns or offer a solution. I was only told that Walmart and Synchrony bank are not separating in a good relationship, so they can not do anything about my issues. I find it very disturbing that this important change was done in the first place and also no disclosures were provided to me as a customer. I opened this card only to use this option and buy high dollar items and pay them back on monthly payments with no interest. I believe this is a vaulation of the truth in lending regulations.

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 2019-09-20 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result 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 2019-09-20 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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result 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 non-monetary relief
Consumer complaint received 2019-09-20 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:
There are inquires on my report that i did not authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 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: Westcreek Financial
State: CA

Complaint narrative:
I noticed there is an account that I did not open reporting as late in my credit report. I lost my check book and immediately notified my back and they changed my account information to protect me from fraud. However it seems that some one used my old checking info to open and account in my name.

Company response to consumer: Closed with explanation