vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2019 I opened a new checking account ( restricted use ) along with a credit card from XXXX ( XXXX XXXX XXXX XXXX XXXX ). Since opening this account I have found out just how restrictive these accounts really are for access to them. There are such limitations as to do not the ability to pay my bill or make deposits from an outside bank. I am often visiting my fiance ' in XXXX XXXX, NV. and have found out that I can not make a deposit into a shared branch account with this credit union under these restricted accounts. I can not make any credit card payments either thru the shared branch network.There are no branches of XXXX in XXXX XXXX, NV. at all. 
The week of XXXX XXXX I spoke with a representative of XXXX over the phone and explained my difficulties as I had an upcoming credit card payment I wanted to make but was still in XXXX XXXX. I told the representative I would be back in town in a week or two and I would make the credit card pymt at a branch as instructed. I came to town on Saturday XXXX XXXX and tried making a deposit at the XXXX, CA. branch that evening but the ATM would not accept my deposit and I was forced to wait until Monday. So I went again on Monday and the ATM would not accept my money. A manager came out of the branch at this time an informed me that the ATM System was having trouble operating. I am never late on any payment on any account as it reflects negatively with a drop in credit standing as mines have 82 points.

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 2019-11-21 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I went to check my credit via XXXX  XXXX and it says that I have a hard inquiry from Amazon, and now my credit went down four points. I contacted the bank associated with the crediting of the financials through Amazon. " Syncb/amazon XXXX, FL XXXX ( XXXX ) XXXX '' This credit inquiry was taken out on XX/XX/2019 and I never applied for 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 non-monetary relief
Consumer complaint received 2019-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My account was closed on XX/XX/2019. 

I have {$23000.00} in my account My funds are being held and I am told Time after Time after Time that it is being investigated for fraudulent activity. 

I call everyday inquiring about my account and I am told by the bank manager her name is XXXX that she has no further information for me and that she will call me when she has an update. I do not understand how my account and be under review and investigated since XXXX if there is money in my account that is fraudulent I do not understand why it is not returned to the sender and my money returned to me. 

This money was sent to me by family to purchase a vehicle new mobile home I have been waiting since XXXX to do this and in the meantime I go without a vehicle and live with relatives because I am not able to access my funds to do what the money is intended for. 

I am not asking for any money that does not belong to me only the money that does! I have been trying since XXXX to get my money and Citibank only keeps dragging their feet telling me that the money is under investigation under review it's always something the nation mark if there is money that is fraudulent in my account send it back to the people that sent it and just send me my money! CFPB PLEASE HELP 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
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Accounts are charge offs

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: AL

Complaint narrative:
XXXX XXXX is asking for a payment of {$1700.00} for a class that I canceled on in XXXX of 2019 after noticing that I couldnt do online school my balance was {$49.00} when I asked to cancel but now its on my credit report saying that I owe them that money. I never finished that class and asked them to cancel me. So that I wouldnt be paying every money for something that I couldnt do.

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 2019-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Accounts are charge offs

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 2019-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACS Education Services
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: ID Analytics, Inc.
State: CA

Complaint narrative:
In 2018 I suffered a XXXX XXXX and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, NV XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC.
State: UT

Complaint narrative:
I have been getting harassed by IQ Data international. They call me constantly saying I owed some debt from my previous apartment. I contacted the apartment complex and they said I did have an outstanding balance, however they did not know who this company was. 
I then explained to them that in the state of California, it was illegal for them to charge me for general maintenance which is what I was being charged for. They agreed and stated I did not owe the balance. However, this company continues to harass me and now they are taking up a collection on my credit. They are an immoral and vicious company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: LEXISNEXIS
State: CA

Complaint narrative:
In 2018 I suffered a XXXX XXXX and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, NV XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: IL

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have No proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2019-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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 have been the victim of identity theft and medical fraud. XXXX  and Equifax ( who exposed my personal information in the data breach ) have left collection accounts on my reports that I have submitted to the police and submitted subsequent reports to both bureaus. They know I am an identity theft victim, yet continue to post the derogatory information from " XXXX XXXX " who also has been reported to the FTC for their actions. The fraudulent information remains on both reports, and I can get no resolution. XXXX  gave me no issues about this, did the right thing, and promptly removed the fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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 have been the victim of identity theft and medical fraud. Experian and XXXX ( who exposed my personal information in the data breach ) have left collection accounts on my reports that I have submitted to the police and submitted subsequent reports to both bureaus. They know I am an identity theft victim, yet continue to post the derogatory information from " XXXX XXXX " who also has been reported to the FTC for their actions. The fraudulent information remains on both reports, and I can get no resolution. XXXX gave me no issues about this, did the right thing, and promptly removed the fraudulent information.

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 2019-11-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Palmar, Inc.
State: TN

Complaint narrative:
Jefferson & Associates XXXX call me, my family, & employer several times a day. I have asked them to stop. They refuse. I have asked them to send me documentation showing my debt. They refuse. They have even disclosed this situation with my employer. My employer has asked them to stop. They reuse.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc.
State: TX

Complaint narrative:
Buyers Beware!!! I closed a Loan in full with the XXXX XXXX several months ago. When the loan was originated an escrow account of 12 months prepaid taxes was set up, plus XXXX collected taxes every month plus fees. It has been almost 3 months from settling this account and XXXX XXXX has still not returned the original Escrow Account Money. Numerous attempts to settle this matter directly with XXXX XXXX have not succeeded. I think they are hoping that I just give up and they keep over {$12000.00}.

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 2019-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Skrill USA, Inc.
State: MI

Complaint narrative:
My account was hacked robbed and than you guys closed it down I need answers now

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FREEDOM FINANCIAL NETWORK
State: NY

Complaint narrative:
I have used Freedom dept repeat company to negotiate a settlement with the credit card company. They turned it over to a collection agency while negotiating a settlement. They then agreed on a settlement. I was never informed of a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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:
transunion reported 7 inquiries that I did not gave permission to. I did not request any of those accounts. when I contacted transunion, they sent me a letter stating that they " can't do anything about 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 2019-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
PHEAA some how bought loans in my name in XXXX. They would never provide me information. It appears that duplicated several. I just started getting letters in the mail XXXX. I had no choice but to consolidate to save my credit. I still have no idea where they got this information and believe fraud was committed. After research I see many other have had the same issue with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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:
my name is misspelled more than usual. 
last four of social wrong. also has 2 socials addresses wrong ; either never lived at such residence or inaccurate. 
most of all lenders or collections not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
On XX/XX/2019 i was supposed to recieve certain goods from a guy who scammed me through ... I have the entire agreement and that i never received wat i purchased ... The guy stole my money and blocked me everywhere and it seems im helpless to recover my money ... I contacted paypal and the told me there was no unauthorized activity on my account ... Well if i didnt get wat i paid for wat should i call it ... I need help in recovering my money through paypal from that guy and i got all the proof ... Paypal just doesnt care ... I dont have money to just throw around ... Please help me ... Paypal aint right at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2017 Account type Factoring Company Balance Loan Amount {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
my name is misspelled more than usual. 
last four of social wrong. also has 2 socials addresses wrong ; either never lived at such residence or inaccurate. 
most of all lenders or collections not mine

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 2019-11-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
my name is misspelled more than usual. 
last four of social wrong. also has 2 socials addresses wrong ; either never lived at such residence or inaccurate. 
most of all lenders or collections not mine

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 2019-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Information Bureau, Inc.
State: CA

Complaint narrative:
Original creditor : XXXX {$350.00} Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2018 Account type Collection Department / Agency / Attorney

Company response to consumer: Closed with explanation