vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-20 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: MN

Complaint narrative:
XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Equipment Leasing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Truck Dealers Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX and XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Truck Dealers Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Report Brokers Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX ftc violations XXXX {$440.00} Closed XXXX charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Charge Account Balance on XX/XX/XXXX Credit Limit {$440.00} {$300.00} XXXX XXXX XXXX {$0.00} Closed 2 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Lease

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 2020-07-20 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
I moved from XXXX XXXX. due to health issues caused by their complex. I was told I would be let out of lease with documentation from my doctor. I provided it. Now they have placed an account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: GA

Complaint narrative:
XXXX has a CO on the account in XXXX. I asked for it to be removed since the criteria for a charge off is 180 days. NOTHING was late beyond 60 days, and fully paid at 70 days. 

Instead, XXXX XXXX has added 3 additional months on my credit file.

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 2020-07-20 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: NY

Complaint narrative:
I am a victim of identity theft, there are fraudulent accounts showing on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I am a victim of identity theft, there are fraudulent accounts showing on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: 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 2020-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
I am trying to link my account to online trading, but couldnt connect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: IL

Complaint narrative:
Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. U S DEPT OF EDXXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is 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 2020-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Even after paying monthly payments on time, the company put a late charge of almost same amount as the initial payment. Initially when i was setting up auto payment the company representative told me the amount i owe every month which would satisfy the statement balance and minimum payment and would cover the entire cost of the loan for 24 months. But still i was getting charged after 24 months and when i enquired they told that i still owe the amount of loan i had taken as they incurred interest on the entire loan amount. This is total fraud on the part of Synchrony financials.

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 2020-07-20 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: IL

Complaint narrative:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police  reportsXXXX 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, XXXX, XXXX XXXX XXXX  gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is 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 2020-07-20 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: FL

Complaint narrative:
I moved from XXXX XXXX. due to health issues caused by their complex. I was told I would be let out of lease with documentation from my doctor. I provided it. Now they have placed an account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: KY

Complaint narrative:
I had submitted a public service forgiveness loan form for service starting XX/XX/XXXX and submitted this in XX/XX/XXXX. On my form it clearly stated " STILL EMPLOYED ''. Fedloan sent me a letter approving my PSLF and stated that the qualifying employment start date was XX/XX/XXXX and end date XX/XX/XXXX. I called Fedloan and they transferred me from their regular line to the PSLF line. The woman on the phone ( EMPLOYEE # XXXX ) stated that the " end date '' is indeed valid because when you submit the form that is the end date of your qualifying period. I told her that I was still employed and that did not make sense. I also asked her why the date of qualifying employment was XX/XX/XXXX and she fumbled to make sense of that and stated " I would just ignore that date ''. I refused to " ignore '' this since it is not the first time Fedloan has made SERIOUS errors on documents required for student loan repayment. I was then transferred to a supervisor after requesting this, and it was indeed an error on their part - and I quote - " simple oversight ''. This is far from a simple oversight. These " simple errors '' are SERIOUS ERRORS that impact hard working American 's financial futures. No excuses, and all of this occurring DURING A PANDEMIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
Payoff sent to creditor and received XX/XX/XXXX which is verified by USPS  tracking and employee response. Response states it was received on said date but at XXXX. Payment would need to be received on said date to avoid late fee. Fee was waived on XX/XX/XXXX after confirming payment was signed for on XXXX. 

Latest representative response is refusing to refund one days worth of interest occurred on XX/XX/XXXX. 

This amount is approximately {$7.00} based on loan amount of {$46000.00} for 84 months at 5.84 %. 

Resolution is to refund said amount of interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello, I was selling an item on XXXX, one buyer was interested and ask if I could do XXXX I said yea then he asked for my email then I received this email saying that this buyer has sent you {$450.00} for the item, it seems legit so I accepted the offer then 2 hrs later I was told I was not a business account I needed to increase my limit by sending {$300.00} to a provided Cashapp so I did then they said I am officially a business account. An hour later they emailed me saying that there is a certification fee of {$500.00} to start using the business account I was skeptical about it but they were professional and said I would be receiving {$1300.00} once XXXX to a provided email then next day they said my fund would arrived at XXXX. Noon came they told me they have many clients and my fund would be ready at XXXX. XXXX came they told me that the buyer did a double payment of {$800.00} and I need to send it back so I could get {$2900.00} thats when I draw the line I refused and they claimed I am fraudulent and said they would report me. I would like to get all my money back as soon as possible please I tried calling my bank chase but they refused to help me. 
The company that emailed is XXXX, the buyer number is XXXX which is disable I have the email saved if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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 was very upset when checked credit report and found out a few negative accounts. They are fraud and I never opened them before. Please see accounts belong and remove them as soon as you can. 
XXXX XXXX  opened XX/XX/XXXX acc # XXXX XXXX XXXX opened XX/XX/XXXX Acc #  XXXX XXXX opened XX/XX/XXXX Acc # XXXX I attached all documents what you need included Identity Theft report. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts.

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 2020-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/2020 I used PayPal to pay {$130.00} for XXXX XXXX feet wide Patio umbrellas. I received an item worth less than XXXX us dollar, eye glass cleaner by XXXX XXXX. I contacted the company XXXX XXXX, got no response. I contacted PayPal to dispute the charges as outlined in their buyers protection. PayPal has given me the run around on this issue. I included to PayPal the original invoice that shows I ordered large outdoor Patio Umbrellas, I included pictures of item received, XXXX XXXX. PayPal sent me another email on XX/XX/2020 that they needed more information, When I logged onto my PayPal account it said I needed to respond with more documentations by XX/XX/2020! .. It just seems I am getting the run around with PayPal now. I gave PayPal all the documents again and included the new report to the FBI online scam complaint also. This will be my 3rd time I have bought items online and used PayPal as the money service that it was part of a scam. So far in each of these times it seems PayPal 's buyers protection did not work in my favor or helped me. It just seems PayPal protection is just words.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: FL

Complaint narrative:
I had to move from XXXX because the apartment made me ill. I was told I was let out of my lease but now they have a bill on 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 2020-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AES/PHEAA
State: AL

Complaint narrative:
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I want to freeze my credit report reporting to third parties. I attempted to do so at the Experian.com website. Their website offer a fee based credit report freeze ( bundled with other services ) without advising the consumer that this service is required by Federal law to be free, and the website has no disclaimer that is readily observable to the consumer. After additional on-line research I did find a buried Experian on-line form that a consumer can complete and get a free, as required by Federal law, credit report freeze. However, I attempted to complete the on-line form several times and was always rejected as my selected PIN was not proper - I followed all on-line PIN instruction, i.e. 5 - 8 digits.

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 2020-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trojan Professional Services, Inc.
State: PA

Complaint narrative:
In XXXX, I saw a collection account on my credit, it was reported as a {$0.00} out of {$0.00}, which was confusing, so I disputed it, because I remembered the account representative told me the account would be deleted from my credit after I paid it. After I saw it on my XXXX report, I sent the credit bureaus a dispute and since then, I've been living a nightmare. They deleted the account from XXXX, only to reinsert it the following month, only with a balance that I had already paid. They then sent me a full listing of the medical billing information with no HIPPA disclosure, again attempting to collect a debt already paid. The item remains on my credit with a balance today, and they continue to attempt to collect the debt via email and phone calls, even though I paid it, and it was deleted from my credit. I'm sure they are violating all sorts of rights granted to me under the FCRA and FDCPA. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I cant remember exact dates unfortunately but I have tried to lower payments through income driven repayment w/ my private loans and for some reason I have been unsuccessful w/ Navient. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: FL

Complaint narrative:
I was very upset when checked credit report and found out a few negative accounts. They are fraud and I never opened them before. Please see accounts belong and remove them as soon as you can. 
XXXX XXXX opened XX/XX/XXXX acc # XXXX XXXX  XXXX opened XX/XX/XXXX Acc #  XXXX XXXX opened XX/XX/XXXX Acc # XXXX I attached all documents what you need included Identity Theft report. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts.

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 2020-07-20 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: FL

Complaint narrative:
I was very upset when checked credit report and found out a few negative accounts. They are fraud and I never opened them before. Please see accounts belong and remove them as soon as you can. 
XXXX XXXX opened XX/XX/XXXX acc # XXXX XXXX  XXXX opened XX/XX/XXXX Acc #  XXXX XXXX opened XX/XX/XXXX Acc # XXXX I attached all documents what you need included Identity Theft report. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I was a co-signer for a car that after signing the paper work I found out that Santander stated they did not need paystubs to verify if the person could afford payments. I called them to report that the car dealership had made up paystubs and that's when Santander stated no paystubs needed. Well the person defaulted and I ended up taking the car as of XX/XX/2020. I have been making on time payments since. My issue is that when a balance gets lower so should the interest rates but that is not the case. Since XXXX the interest rates varies (? ). I called them today and they could not give me an answer for this. They are predators! Please see below the statements since I have taken over in XXXX. These people should be investigated for allowing false documents be overlooked just so they can make money and victimize innocent people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I paid off my loan using a cashier 's check, i took time from work and paid money for a cashier 's check and mailed it express which also costs money because when i talked to them and asked about the fastest way to get the title release to sell the car they told me this is the way. They say they will process and release the title when they receive the check and that takes UP TO 4 DAYS. They received my mail on XXXX and processed it on XXXX ( as shown on my dashboard ), i talked to them every day and every day they would say it hasn't been 4 days, after the 4 days they started the excuse with the COVID. They released my title on XX/XX/17, that's 10 working days, that's 2 full weeks, how is that acceptable? Why is that ok? I did my part and paid my load and they don't want to do their job. I lost the seller that i had because of them.

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