vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/2019 I was scammed by a merchant who name is XXXX XXXX and her fianc XXXX XXXX out of {$180.00}. via XXXX. I asked for tracking information and got a fake tracking number. I immediately demanded a refund but was ignored. I opened a case with XXXX and the did nothing. I opened a case with my bank Discover Debit and they did nothings nor did they even bother to communicate their findings nor the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: Credit Karma, LLC
State: AZ

Complaint narrative:
I logged into my credit Karma account, and while I was online, tabs that are to show my accounts, data etc actually showed accounts that were not mine. I couldn't see my mortgage, loans or credit cards I currently have. I actually saw a completely different set of accounts. As if I were in someone elses account. With the cyber breach most companies have had, I'm really worried their system has been hacked or is incorrectly displaying my data to someone else as I got to see someone elses accounts, data etc all via my normal access that I use to log into credit Karma. I'm worried someone else is going to be able to see or worse, use my data. Please review asap!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
My husband has a payment arrangement worked out where comenity bank automatically deducts $ XXXX/month every month on an old debt. The payment plan was for 6 months as that was the max allowed and this was the second cycle so now payments have been made for 12 months. The last payment of {$150.00} was deducted tomorrow and today my husband and myself both received a phone call asking us to contact them immediately. I am also frustrated that every time I ask for a written statement they lie and say theyll send one and never do. I have no written confirmation of the debt to confirm the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Today, XX/XX/2019, I tried to thaw my credit with Experian online AND on the phone and was denied and I DO have my PIN. Both automated responses indicates that I have to submit my request by MAIL to their office for consideration. I am in the process of buying a car and need my credit thawed immediately.

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 2019-08-14 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: CORELOGIC INC
State: PA

Complaint narrative:
account was paid and still shows a charge off status please invesigate and remove 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 2019-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX after few attempts to collect the debt sold my account for pennies of the dollars to Midlan Credit Management Inc with a balance of XXXX ( my debt is with XXXX XXXX XXXX. Not with Midlan credit ( never signed any legal document with XXXX XXXX management now the want to make profit which i think is a reap off to working people .They are even pursuing legal action against me .Even tho you decided to pay the debt will stay in your credits records for up to 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I'm an XXXX XXXX XXXX and USAA increased my rate from 7 % to 10 %. Under the SCRA and/or Military Act am entitled to 6 %. I want USAA to decrease my rate and provide me the refund of interest. Its an Unfair practice to increase an interest rate on XXXX XXXX military.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: CORELOGIC INC
State: PA

Complaint narrative:
These credit inquires are unauthorized and need 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 2019-08-14 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: GA

Complaint narrative:
I called today XX/XX/XXXX to TransUnion about an account I've tried to dispute with them since XXXX. I was told to try getting proof from the creditor that it wasnt my debt or work it out with them. The company I'm referring to is XXXX XXXX. In XX/XX/XXXX, I was sent to Trans Union fraud department. I was asked to send in evidence that I contacted them for proof of my debt.I actually sent certified mail to XXXX XXXX. So, I send over evidence by letter with pics of my original letter to XXXX XXXX, the certified card from post office, the response from XXXX XXXX which had no proof or validity, only a bill. I'll attach it to this complaint. I never heard back from Trans Union 's Fraud Dept. 
When I called today, I was told that back then, they found that my letter showing proof of non-validation couldn't be used. They said they contacted me numerous times, but I never got a thing from them. If I did, I would've asked them what I could actually use, since that's what they asked me for originally. I know that all they do when disputing anything is send data over to a company who sends a data file back. THAT IS NOT VERIFYING THAT ITS MY DEBT! I've looked up this company and it has numerous complaints about th same thing, incorrect reporting. I also noticed that CFPB has a lawsuit against XXXX XXXX. On page 9 of the filing it says File No. XXXX XXXX Sellers Disclaim the Availability of Documentation to Evidence the Debt they Sold to XXXX XXXX. Sellers typically have not provided XXXX with any Consumer-level documentation about most individual Debts, such as account statements, records of payments, and the underlying contracts signed by the Consumers.  Instead, if desired, XXXX has had to order these documents from sellers, often at an additional cost to XXXX. 

So, if this is the case, then XXXX XXXX has no PROOF nor signature of my debt as I asked them to prove via certified mail. Which means that both XXXX XXXX and Trans Union are falsely reporting on my credit file. 
That's why I'm filing this complaint. 
I've also attached the new letter I sent them yesterday via upload.

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 2019-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Y years ago I was contacted by nelnet my lender and I was told that I I was approved for totally XXXX   XXXX XXXX and I I started The prossess now Im still in the process and 18 months ago they dropped me off forbearance And said I was late 90 days and I.got right on it and they removed it and And this year in XXXX they did something saying that I was 90 days late but it shows the three months before XXXX, XXXX and XXXX were on time and in XXXX they dropped me off forbearance again and they wont remove it and the worst part is they are the ones doing my XXXX and they know theyve been working on this the whole time? Its bull they keep sending me letters saying they need me to send them this agin and then they have to have it hung Ive sent 3 times and it twas approved 2yrs ago

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: DISCOVER BANK
State: AL

Complaint narrative:
Discover bank has an account on my credit report that is not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: CORELOGIC INC
State: PA

Complaint narrative:
These credit inquiries are unauthorized and need 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 2019-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
SYNCHRONY FINANCIAL, A corporation organized and existing under the General Corporation Law of the State of Delaware is an issuer of Credit Cards. 

I obtained two credit cards from Synchrony Financial. One Lowes Credit on XX/XX/XXXX and one WalMart Credit card on XX/XX/XXXX. 

On that or around XX/XX/XXXX Both accounts became delinquent. According to XXXX Courts and Judicial Procedure Limitation of Actions According to TITLE 10 8106 Actions subject to 3-year limitation. The start of the statue of limitations would have begun when the accounts became delinquent to three years after that point around XXXX of XXXX. 

As a New York State Resident The Court of Appeals of the State of New York XXXX XXXX v. King held that the statute of limitations of the state where the credit card issuer is based, rather than New York 's statute, may be correct statute of limitations to apply. In this case 3 years. 

After the 3 years the case is " time barred ''. However, SYNCHRONY FINANCIAL sold this account to a 3rd party Debt Collector XXXX XXXX XXXX and appears to have transferred the time barred accounts over to its subsidiary company Synchrony Bank in an attempt to re age the accounts in violation of the FCRA. 

I allege that Synchrony Financial is well aware of laws which pertain to The FCRA as well as state Laws. Synchrony Financial I allege knowingly sold a time barred account to XXXX XXXX XXXX at which now by and through their attorneys have filed a motion in NY State Supreme Court against me on a time barred account beyond the statute of limitations.

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 2019-08-14 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
XX/XX/2019 Ally Financial said my account was past due, when it was not. I contacted them immediately and Ally said they will fixed the problem. In reality they never fixed the problem. Im not past due on my car note. The account says I am 30 to 60 days late. This has caused my credit score to drop drastically. Please do some thing 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 2019-08-14 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: NV

Complaint narrative:
The following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet you could not substantiate its representaiton.. You have provided information while knowing or having reasonable cause to believe that the information provided was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 01 XXXX XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : 11 XXXX XXXX ), XXXX XXXX XXXX XXXX  CREDITOR : 09 XXXX XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : 10 XXXX XXXX XXXX ),

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
inquiries shown on my credit report were filed without my consent i need these items removed

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 2019-08-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: POPULAR BANK
State: NJ

Complaint narrative:
I initiated an account opening with Popular XXXX for an Ultimate Savings on XX/XX/2019. Today, XX/XX/2019, an account closing was initiated by said company. I noticed what was done when checking my account online. I then called Popular XXXX to find out what was going on. According to a customer service representative spoken to on the phone, the account was closed due to suspicious activity. No further details or explanations could be given on the case because not enough information was available to the representative. The company failed to inform me of their actions and completely disregarded me as a customer. Also, Popular XXXX failed to contact me to report the suspicious activity. The company then charged a whopping 25 dollar closing fee. This company is clearly using shady business practices to open accounts for new customers, promising them high-interest rates, to then close them days later for their benefit, and charge heinous fees in the process. These actions are completely unfair and should really be taken into account when trying to provide good customer service. I did not commence the account closing and should not have to pay or be charged a fee for actions on behalf of the company. It is completely ludicrous and shows a level of high disregard for customers hard-earned money. I am now 25 dollars short for something I had nothing to do with, and the company is 25 dollars richer. What is the fairness in this? Just another financial institution making false promises to fatten up their wallets. I am completely appalled by their actions and others trying to open accounts should be very wary when trying to do business with Popular XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: NV

Complaint narrative:
The following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet you could not substantiate its representaiton.. You have provided information while knowing or having reasonable cause to believe that the information provided was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX   XXXX XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : 10 XXXX XXXX XXXX ),

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: NV

Complaint narrative:
The following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet you could not substantiate its representaiton.. You have provided information while knowing or having reasonable cause to believe that the information provided was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 01 XXXX XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : 11 XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : 09 XXXX XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : 10 XXXX XXXX XXXX ),

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14 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: NV

Complaint narrative:
The following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet you could not substantiate its representation.. You have provided information while knowing or having reasonable cause to believe that the information provided was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX  XXXX XXXX ), XXXX XXXX XXXX   ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ),

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Elite Financial Services, Inc.
State: CA

Complaint narrative:
This company is breaking the law by providing false information to new clients by offering a {$5000.00} if they do not sell the house with in 3 months. They ended up not selling my house and when I told them about my {$5000.00} they ignored me. They stated ( which i have proof by them ) if we do not sell your house in 3 months we will guarantee {$5000.00} compensation for not being able to sell the house. It has been over 3 months and they have not paid my {$5000.00} because they did not sell my house. They promised me {$5000.00} if they did not sell my house and they did not sell my house which it has been over 3 months and till now they did not give my {$5000.00}. They are lying and breaking the law because they are providing false information by stating if they do not sell your house in 3 months they guarantee {$5000.00}. They are bunch of liars. I have spoken to the guy and he says they will not give my {$5000.00}. By providing misleading information Elite XXXX  is providing false information to there clients. I am demanding a {$5000.00} compensation for the real estate company not selling my house in 3 months. I need this resolved now or my next complaint would be with the California Attorney General. 




Real estate license number XXXX Lic XXXX The agents name that lied to me is XXXX and his direct number is XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Asset Management, LLC
State: NJ

Complaint narrative:
This was a bill from a workers comp claim. I been trying fight this for a year I need this resolved ASAP this has been in my credit report since XXXX. My lawyer has contact your agency.

Company response to consumer: Untimely response