vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have an excellent, almost unbelievable payment record. I have made many, many, many payments on time. Some of the payments are for a very large dollar value. I have almost no debt, in fact the only payment I need to make is my house payment. I pay off my XXXX XXXX balance every month to avoid interest. There were 3 late payments several years ago due to 5th 3rd bank forgetting to retain my credit overdraft protection when they came out with a new checking account product which I did not wish to sign up for, but they forced me to change to. Due to this, tiny ( and I do mean tiny ) infraction I have had a bad credit score since then. And I do consider anything less than excellent, a bad credit score. I have tried to remediate this with XXXX, but nothing works. My on-time payments eclipse anything else that could possibly be on my credit report, and I have NEVER failed to pay off a debt or any interest accrued. However, my credit rating hovers around the good mark. Please give an unbiased look into my payment history, and help me get back my excellent credit rating. Thank you. Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT CAINE WEINER XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this  title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAINE WEINER XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX*

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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 CMI Group, Inc.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX  XXXX  XXXX, XXXX, FL XXXX* ATTENTION  DISPUTE DEPARTMENT CREDIT MANAGEMENT LP XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT MANAGEMENT LP XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX*

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-09 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 am 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 2020-03-09 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 am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
In XX/XX/2019 I opened an additional user credit card in my XXXX XXXX XXXX Mastercard for my XXXX year old son. During that time I had set up alerts on my card if transactions were made I would know about them. My son made 7 small transactions with XXXX during the first month he had the card and before the first statement was issued. Whereas I was notified of the charges which were between $ XXXX- {$10.00} Barclays never notified me through alerts that they were applying a {$10.00} Cash Advance Fee to each charge. For example, a XXXX charge was done on XX/XX/XXXX for {$1.00} and Barclays charged a {$10.00} Cash Advance fee without alert. No other credit card treats XXXX transactions as Cash Advances. XXXX XXXX charges 3 % of the total transaction for example. Barclays never notified me they were treating them as Cash Advances in any Agreement or through the alert system I had set up with them. At the end of the month when I received the bill I contacted Barclays and was told under no circumstance despite their deceptive practices they would remove the charges. I spoke to multiple representatives and supervisors who were rude, obnoxious and completely unprofessional. As a result I cancelled my card which I had for years without incident and refused to pay the bill. I'm willing to pay the bill less the {$70.00} in unlawful charges but Barclays has instead now decided to wreck my perfect credit. I'm asking the CFPB to look into the deceptive practices of Barclay 's on cash advances with XXXX and have them remove this information from my credit report. Barclay 's has probably collected millions of dollars from thousands of customers with this deceptive practice.

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 2020-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
During the course of approximately one year ( between XX/XX/XXXX and XX/XX/XXXX ) I signed up for multiple Citibank products which offered promotional XXXX XXXX ( XXXX  ) miles. This included personal credit cards, a business credit card, and a personal checking account. On each of these applications, I provided my own name, social security number, AA Aadvantage number and was approved by Citibank. For all of these accounts, I met the terms and conditions outlined by Citibank and was awarded the promotional miles after meeting each of the required activities. However, on XX/XX/XXXX XXXX XXXX has without notice or warning, terminated my Aadvantage rewards account and has confiscated XXXX miles that I have earned due to my relationship with Citibank. I have attached an actual photo of a physical credit card offer I used to apply to a personal Citibank credit card and was approved for ; the terms state the offer is for " new accounts only '' and " Your eligibility for a particular product and service is subject to a final determination by Citibank ''. Citibank determined that each new account with a different credit card number is a " new account '' and approved me as such. I want to point out that I fulfilled all terms with Citibank and Citibank did not terminate my account, XXXX XXXX did. I see on Citibank 's current website that terms for Aadvantage credit cards contain new language about not being eligible to receive a new account bonus if one had been received in the past 48 months. However, this language was not on the personal credit card, business credit card, or checking account applications that I applied for at the time and I believe that XXXX XXXX is illegally trying to retroactively enforce these rules. If I were to directly purchase the XXXX miles in my account that were confiscated from XXXX XXXX, it would cost over {$16000.00} so I consider their termination of my account using unfair business practices amounts to grand theft. I was honest on all my credit card and checking account applications, followed Citibank 's terms and conditions, thus the accusation of " fraud, misrepresentation, abuse '' from XXXX XXXX does not apply to me and they do not have grounds to terminate my Aadvantage account. I also want it to be known that I paid real money to Citibank on its Aadvantage products, including account maintenance fees and interest charges because I was using these products with the belief that I was part of the Aadvantage program and I would receive benefits such as earning Aadvantage miles. The fact that XXXX XXXX terminated my Aadvantage account for using these Citibank products is misleading and unfair to consumers.

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 2020-03-09 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 am 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 2020-03-09 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: LoanCare, LLC
State: NC

Complaint narrative:
I was making my payment to XXXX XXXX which is who was my original lender. I did not know my loan was sold to XXXX XXXX XXXX. I only had my loan for 3 months before it was sold to another loan and did not know where my money was going. I request that the late payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX be changed to current, due to the fact that I made the payment on time but was not aware my loan was sold to another mortgage company. Now I have my account set up with the correct mortgage company I will have no issues with making on time payments to the correct lender. My credit score has been affected due to this misunderstanding.

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 2020-03-09 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:
XXXX XXXX, XXXX-XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX-XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-03-09 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: FL

Complaint narrative:
XXXX XXXX, XXXX-XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX-XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-03-09 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: FL

Complaint narrative:
XXXX XXXX, XXXX-XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX-XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sunset Management, Inc
State: GA

Complaint narrative:
The company sunset finance has been harassing me by frequent phone calls collecting a debt that I owe. I explained to them that I lost my job and they still continue to harass me everyday.

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 2020-03-09 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: DISCOVER BANK
State: NC

Complaint narrative:
I was making my payment to XXXX XXXX which is who was my original lender. I did not know my loan was sold to XXXX XXXX XXXX. I only had my loan for 3 months before it was sold to another loan and did not know where my money was going. I request that the late payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX be changed to current, due to the fact that I made the payment on time but was not aware my loan was sold to another mortgage company. Now I have my account set up with the correct mortgage company I will have no issues with making on time payments to the correct lender. My credit score has been affected due to this misunderstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Auto Finance Co
State: FL

Complaint narrative:
I AM CONTACTING YOU ABOUT THE COMPROMISING OF MY SOCIAL SECURITY NUMBER. I AM A VICTIM OF IDENTITY THEFT. I CONTACTED THE FEDERAL TRADE COMMISSION AND FILED A COMPLAINT # XXXX AND CONTACTED THE POLICE DEPARTMENT AND OBTAINED A POLICE REPORT # XXXX BOTH ARE ATTACHED. PLEASE BLOCK AND REMOVE ALL INFORMATION FROM MY CREDIT REPORT, AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT. THE FOLLOWING ITEMS DO NOT BELONG TO ME AND IS A RESULT OF FRAUD THAT I DID NOT AUTHORIZE : SAFCO Account numberXXXX Account status Closed Date opened XX/XX/2013 Account type Auto Loan Balance Loan Amount {$12000.00} Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately :

Company response to consumer: Closed with explanation