vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-28 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: AR

Complaint narrative:
I found out my identity had been compromised because my wallet was stolen from the movie theatre. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters of several unpaid accounts that I have never open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX & XXXX XXXX {$3600.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX {$3100.00} XXXX XXXX  XXXX {$0.00} XXXX  XXXX {$0.00}

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 2020-04-28 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: AR

Complaint narrative:
I found out my identity had been compromised because my wallet was stolen from the movie theatre. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters of several unpaid accounts that I have never open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX & XXXX XXXX {$3600.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$0.00}

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 2020-04-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Marcus by Goldman Sachs offered a {$100.00} bonus after opening an account and depositing {$10000.00} and maintaining that minimum balance for 60 consecutive days. The promotional bonus would be given within 14 days of fulfilling the bonus requirements. I opened the account on XX/XX/2020 and completed the minimum balance funding on XX/XX/2020. 60 days should be approximately XX/XX/2020. I contacted Marcus by Goldman Sachs today, XX/XX/2020, because I had not received the promotion and was told that I was ineligible for the promotion as they did not have a note of it on my account. Even though I signed up for the offer and completed the terms, Marcus by Goldman Sachs is refusing to honor a promotion that they had advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE
State: NJ

Complaint narrative:
I am getting a notice that I have missed mortgage payments although they have been made - they are sent directly from the bank. I have emailed them and sent a letter with a copy of the payments made from my bank and a copy of their statements that show the payments received. All I have gotten back is an email saying they need the actual checks, which do not exist as the payments are made from the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: AR

Complaint narrative:
I applied for a credit card and I got denied. I was not told the reason why I got denied, I went home and decided to get a copy of my credit report in XXXX  XXXX and I saw various items that had been open. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: FL

Complaint narrative:
over the past couple of months, i have requested from all 3 credit bureaus that i need to see verifiable proof of what is being reported is 100 % accurate. i have asked for documents that bear my signature as proof. all 3 credit bureaus have failed to produce any documents or explain to me how these negative accounts on my file were verified and through what manner they were verified. all i am getting is a generic response from them that it was verified, and no reason or explanation on how, or who they spoke with or what documents were provided to verify the negative accounts that i have disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: FL

Complaint narrative:
over the past couple of months, i have requested from all 3 credit bureaus that i need to see verifiable proof of what is being reported is 100 % accurate. i have asked for documents that bear my signature as proof. all 3 credit bureaus have failed to produce any documents or explain to me how these negative accounts on my file were verified and through what manner they were verified. all i am getting is a generic response from them that it was verified, and no reason or explanation on how, or who they spoke with or what documents were provided to verify the negative accounts that i have disputed.

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 2020-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
To whom it may Concern : I XXXX XXXX notice that on my credit report there was account reflecting being opened on XX/XX/XXXX, with XXXX XXXX online as the creditor I immediately reported this as fraud to all three credit bureaus and also to you guys I would say maybe a month or so after it seemed to had been posted to my credit report back in XXXXI never received a response of the dispute when I first initially disputed the item.I again check my credit report to see that this item continued on my report I again dispute it this time by certified mail I finally received a response XX/XX/XXXX from Portfolio Recovery explaining what the item was etc.My initial certified letter states that this item be removed that i have not open any accounts on or around XX/XX/XXXX of XXXX. This is inaccurate information that's being reporting on my credit report. Regardless of the explanation that this account is a XXXX XXXX XXXX  account this account was never opened or closed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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 RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS THUS REFER TO ATTACHED IDENTITY THEFT POLICE REPORT. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. PLEASE DELETE THE BELOW ACCOUNTS AND REFER TO THE IDENTITY THEFT POLICE 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 2020-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Medical Data Systems, Inc.
State: PA

Complaint narrative:
I disputed this account for a variety of reasons, and they have repeatedly verified it to the credit bureaus. They have violated my rights according to HIPPA by sending me information that was purely medical in nature. I don't believe this information should have been used as verification to the credit bureaus as I did not give them permission to share my private medical data with anyone. I am very embarrassed that they would have such a complete history of my medical episodes, and that they would willfully share that information, with anyone, let alone have it themselves.

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 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I closed my account via XXXX. They said it was closed and done. But now I know that I succeeded closed my saving account but there was XXXX  left on my checking so they dont close my account. I thought lt was closed so i ignore anything else. Few months after, now they said i owned money because my checking was not closed so there is maintenance fee. Now the account is closed and they can't do anything at all. And keep saying its my fault. Thats it. Nothing they can do. And i have to pay for 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 2020-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: STERLING JEWELERS, INC.
State: MD

Complaint narrative:
Before I was Hospitalized, I purchased some jewelry Kay Jewelers/Genesis. The attendant explain that they have a out of work policy for a extra $ 35 monthly if you are unable to work. I purchased it. I Then by doctors order, I had to go in the hospital for my XXXX XXXX XXXX XXXX XXXX. Then affection set in, and had to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I then contacted the company, and they told me they do not handle that. They said a company called XXXX handles claims for them. After getting my doctor that was having me to stay in the hospital at Washington XXXX XXXX to fill out the paper work they sent me for a couple of months, now say they would no longer handle the claims anymore. I had to contact the new company named XXXX XXXX, out of Florida. During all the digging to get in touch with the new claim people, I was never informed from Kay Jeweler about dealing with third party company 's. Giving me that information when I made my purchase, or helped a paying customer with the transformation of companies, maybe the would have got the payment from the companies on the payment date. The put late payments on my credit report with all three credit companies. I'm trying to get in a ready set up, XXXX house, and the lender says this has to come off to move forward. I'm asking XXXX to please have this removed, because this is Deception the did to me.I contact them and ask for the origanal copy for what I purchased, and they sent me something saying they only pay up to {$5000.00}, and I was over, and they will not be paying anymore. If I was told all this at the beginning, maybe I would have not signed up. If no action is taken into removing this from my report, Being XXXX, I'm offered many different lawyers. I'm not going away..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: OH

Complaint narrative:
IN XX/XX/2019, I WAS TOD I OPENED AN ACCT AT XXXX. I DID NOT. I CALLED THEM AND THEY CLOSED IT. I THOUGHT IT WAS OVER. THEN I GOT NOTICE IN XXXX THAT I OPENED AN ACCOUNT AT XXXX. I VERIFIED THESE BANKS HAVE MY SOCIAL AND DOB WHEN I CALLED. I CLOSED XXXX. IN XXXX, I RECEIVED NOTICE I OPENED 3 ACCTS AT PNC. ON XX/XX/XXXX, I RECEIVED NOTICE I WAS DECLINED OPENING AN ACCT AT XXXX XXXX. 
I HAVE PLACED A FREEZE ON ALL CREDIT BUREAUS IN XXXX ( MAYBE EARLIER IN XXXX ) I ALSO CLOSED XXXX  SO MY ACCT HAS FLAGS, PNC WENT AHEAD AND OPENED THE ACCTS. THEY WILL NOT TELL ME ANYTHING ABOUT THEM DUE TO FRAUD. I REPORTED THE FRAUD!! 
I WENT TO MY CITY POLICE, THEY REFERRED ME TO MY COUNTY POLICE. THE COUNTY POLICE SAID THERE WAS NOTHING THEY CAN DO. 
SOMEONE HAS MY INFORMATION AND IS TRYING TO COMMIT FRAUD. I WANT MY INFORMATION CHANGED. I CAN NOT CONTINUE GETTING THESE NOTICES AND ATTEMPTS TO TAKE SOMETHING FROM ME. PNC ALLOWED THE ACCTS TO GO THROUGH AFTER I MADE IT IMPOSSIBLE. THIS IS GETTING RIDICULOUS! PLEASE HELP ME. 
THANK YOU AND SORRY I TYPED THIS IN CAPITAL LETTERS, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: AR

Complaint narrative:
I applied for a credit card and I got denied. I was not told the reason why I got denied, I went home and decided to get a copy of my credit report in XXXX  XXXX and I saw various items that had been open. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off 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 2020-04-28 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: AR

Complaint narrative:
I applied for a credit card and I got denied. I was not told the reason why I got denied, I went home and decided to get a copy of my credit report in XXXX XXXX  and I saw various items that had been open. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off 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 2020-04-28 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX  XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I responded to email offers from CAPITAL ONE BANK. The emails offered up to {$35000.00} to purchase a car. Then, I received promotional mailers from a local car dealer. That dealer eventually made me believe that I was purchasing a car through a loan by CAPITAL ONE, which was false. I signed a RETAIL INSTALMENT SALES CONTRACT ( " rRISC '' ), which is not a loan agreement. I never received any money from CAPITAL ONE. I never received any advancement of money from CAPITAL ONE. But, CAPITAL ONE relentlessly demands that I confess that I owe CAPITAL ONE for a loan originally for {$17000.00}, but now CAPITAL ONE is reporting to the credit bureaus that I owe over {$20000.00}. It appears that CAPITAL ONE gave the dealer a loan to finance the dealer 's purchase of the car by paying off the {$6000.00} original lien, and then the dealer assigned the RISC to CAPITAL ONE as security for that loan. The car, a XXXX XXXX XXXX XXXX, was delivered to my driveway by dealer personnel that same day. The car had a bad engine that was subject to a recall by the manufacturer and a flat tire. The car is also subject to a subsequent recalls including because of the gasoline pipes in the engine therefore I have not driven it anywhere. I have not received a valid TITLE from the New Jersey XXXX XXXX XXXX ( " XXXX '' ). In fact, the most recent XXXX report on the car ( attached ) does not show that transaction of XX/XX/XXXX. It only shows that a new owner acquired a valid TITLE on XX/XX/XXXX, which " new owner '' is the dealer that allegedly sold me the car. NO OTHER " NEW OWNER '' EXISTS IN THE XXXX REPORT NOR AT THE XXXX. Apparently, the dealer reported the transaction to the XXXX s a lease, not as a purchase. The only assignment of a valid title concerning the car was signed by the dealer on XX/XX/XXXX as purchaser. I filed a lawsuit in Federal District for the District of New Jersey CASE XXXX. The arbitrator nor the district court judge wants to enforce the law. Instead, they are disrespecting the law and blaming and threatening me for filing the lawsuit allegedly in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, I contacted XXXX XXXX XXXX several times regarding my Stand Alone 50 internet service not working. After several telephone calls to XXXX XXXX XXXX and several visits to my house by an XXXX XXXX XXXX service tech over the course of two months XXXX XXXX XXXX was unable to get the service to work correctly. 

On or around XX/XX/XXXX, the XXXX XXXX XXXX service tech was again at my house and unable to get the service to work properly. He advised me that in order to get the XXXX XXXX XXXX service to work I needed to switch to fiber optic service. I agreed to take the fiber optic service for a year. The fiber optic service was supposed to be a speed of 300 Mbps. Over the next few weeks, the speed rarely exceeded 25 mbps. I made several more telephone calls to XXXX XXXX XXXX regarding its failure to provide the contracted for service. 

On or around XX/XX/XXXX, when XXXX XXXX XXXX was still not able to provide the contracted service I canceled and switched to XXXX. XXXX XXXX XXXX credited my account for all service fees during the time the service was broken. 

On XX/XX/XXXX, I received a Final Notice from XXXX XXXX XXXX stating that I owed an early termination fee of {$130.00}. I called XXXX XXXX XXXX at XXXX XXXX and spoke with XXXX ( sp? ). I advised XXXX that XXXX XXXX XXXX never provided the contracted for service and therefore theres no termination fee. XXXX advised that as the amount of billing credit was over his limit, he would need to get a supervisors approval. I was informed that someone would be calling me in the next few days. No one ever called. 

On XX/XX/XXXX, I received an email from a debt collection agency, MRS Associates. I responded to the email that XXXX XXXX XXXX has failed to inform them that this is a disputed debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28 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: FL

Complaint narrative:
There is incorrect and innacurate personal information in my credit report. There are names and addresses that are not mine in the 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 2020-04-28 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX my SS is XXXX DOB XXXX. My address is XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
I found some addresses on my report that do not belong to me please remove the following : XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX the following cell number are not mine please delete : ( 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