vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-08 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Items listed resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc } Please block this information from my credit report. Pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnisher of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
A collection account from Credence Resource popped up on my credit reports on XX/XX/20. I have no clue about this account and did not receive any written notification of this debt allowing me to investigate or seeing what this is for. I want this removed immediately. As I was not given any notification of this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: HI

Complaint narrative:
I have sent out 2 notification for validation of debt on XX/XX/20 and XX/XX/20 as soon as I received notification from XXXX that a collections account has been placed on my file. SUNRISE CREDIT SERVICES has violated my rights by not notifying me about the debt. They never sent any form of communication to me that would have giving me an option to dispute the validation of the debt. They have violated 15 USC 1692g section 809 of the FDCPA. I have provided 2 return receipts that have been signed by someone from  SUNRISE CREDIT SERVICES. 
Please Investigate why SUNRISE CREDIT SERVICES has not responded to any of my letters.

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 2020-04-09 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: PA

Complaint narrative:
Good Afternoon, I am a victim of identity theft. My personal information was used to open a loan from XXXX XXXX for {$15000.00}. 

I learned of this upon reviewing my credit report/score in XX/XX/2019 at XXXX XXXX. I noticed the account was opened in XX/XX/2019. I immediately disputed it with all three credit bureaus. I also followed the appropriate protocols at IdentityTheft.gov and sent letters to both XXXX XXXX, as well as, all three credit bureaus to close the fraudulent account ASAP and to remove the fraudulent information from my credit report ASAP. As of today, all three credit bureaus have completed their investigation and removed the account from my credit report as it has been an act of identity theft. 

As a victim of identity theft, which may have occurred with the numerous breaches of data from credit card companies and other companies, my personal information such as my name, date of birth, social security number, address, email and telephone number was used to open this account, unbeknownst to me. 

I can confirm that my bank which is a XXXX XXXX XXXX has not received any payments or funds from XXXX XXXX nor has made any payments to XXXX XXXX. I have researched their claim, but do not see an inquiry to support this. 

Lastly, how can you verify someones identity through a phone system. Perhaps, physical documentation should have been collected or having the person visit a branch to ensure their true identity. As a victim of identity theft, my personal information was used to verify the account which was how it was opened. XXXX XXXX should have taken more precautionary measures to ensure it was the correct person opening the account. 

I am in the process of filing a police report. 

Again, I'm not at fault, responsible or liable for the account. Since the account was opened fraudulently using my personal information, I intend to continue to fight this and repair my financial reputation. 

Based on the above details, I kindly request this account be closed. 

Thank you!

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 2020-04-09 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: PA

Complaint narrative:
Good Afternoon, I am a victim of identity theft. My personal information was used to open a loan from XXXX XXXX for {$15000.00}. 

I learned of this upon reviewing my credit report/score in XX/XX/2019 at XXXX XXXX. I noticed the account was opened in XX/XX/2019. I immediately disputed it with all three credit bureaus. I also followed the appropriate protocols at IdentityTheft.gov and sent letters to both XXXX XXXX, as well as, all three credit bureaus to close the fraudulent account ASAP and to remove the fraudulent information from my credit report ASAP. As of today, all three credit bureaus have completed their investigation and removed the account from my credit report as it has been an act of identity theft. 

As a victim of identity theft, which may have occurred with the numerous breaches of data from credit card companies and other companies, my personal information such as my name, date of birth, social security number, address, email and telephone number was used to open this account, unbeknownst to me. 

I can confirm that my bank which is a XXXX XXXX XXXX has not received any payments or funds from XXXX XXXX nor has made any payments to XXXX XXXX. I have researched their claim, but do not see an inquiry to support this. 

Lastly, how can you verify someones identity through a phone system. Perhaps, physical documentation should have been collected or having the person visit a branch to ensure their true identity. As a victim of identity theft, my personal information was used to verify the account which was how it was opened. XXXX XXXX should have taken more precautionary measures to ensure it was the correct person opening the account. 

I am in the process of filing a police report. 

Again, I'm not at fault, responsible or liable for the account. Since the account was opened fraudulently using my personal information, I intend to continue to fight this and repair my financial reputation. 

Based on the above details, I kindly request this account be closed. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I submitted a dispute with suntrust bank in the amount of {$100.00} USD with the merchant being XXXX. I explained to suntrust that I never received my debit card and that my identity had also been stolen. I informed the rep that everything from my mailbox was stolen that day as well, around XXXX. I contacted XXXX XXXX because an account had been opened in my name fraudulently. I contacted the 3 major credit bureaus as well as XXXX  ( consumer report ) in order to freeze my credit and consumer report. I received a letter from Suntrust around XX/XX/15 stating that my dispute had been denied. When I contacted the fraud department at Suntrust, I was informed that my dispute was denied due to inconsistencies. I asked to repeal the decision and also requested the information/documents used to make that decision. I received the appeal form and filled that back out and mailed it in. I called on XXXX to get an update, I was informed that my case was still under review. I also asked about the documents used in order to make the decision, and the document were never sent out. I informed the rep that i called XXXX, XXXX stated that they can help but they need to fill card number. I feel as if my case was just pushed to the side and not looked into like it should have been. Inconsistencies doesnt make sense if they would contact XXXX to get this situation resolved. When asking again for the documents be sent out, I was informed that I would need to go to a branch location with my ID, however there is no Suntrust Branch in my state. They are not doing anything to help with my dispute and its very frustrating.

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 monetary relief
Consumer complaint received 2020-04-09 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: Law Office of Michael J. Scott, PC
State: AL

Complaint narrative:
This account was settled in full with XXXX XXXX XXXX onXX/XX/2020. The payment was made using a ACH via telephone. An agreement was emailed over and signed and was fax back to XXXX XXXX onXX/XX/2020. XXXX sent over a letter on XX/XX/2020 serving a final receipt. A lawsuit was filed with our local court was dismissed after payment. They advised that the credit report would be updated within 2 weeks. After the credit report was not update to reflect correctly a dispute was filed citing the incorrect balance information. Instead of XXXX XXXX XXXX reporting the correct information during the investigation they reported that we still owed the FULL balance of {$1300.00} on XX/XX/2020. XXXX XXXX XXXX and Scott & Associates knew that the account was settled and payment was made but decided to be deceitful and report knowingly incorrect information to the credit bureau instead of the correct information resulting in devastating 45 point decrease to my credit score. I have all the documents to provide this account was settled on XXXX, 2020 including the receipt, signed agreement, dismissal of the suit filed in the local court. and bank statement showing the payment was made. XXXX utilized Scott & Associates attorneys to resolved this matter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
I had fraud on my bank account account so I had it frozen. TPS recovery services then sent me several notices for collection of debt that I do not owe.

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 2020-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Due to covid 19 i have been furloughed in XX/XX/2020 I immediately called westlake financial services to defer my payment for the month of XXXX. I was told it was no problem and was approved. 
I start getting emails and calls that my payment is over due with late fees. When I called back they said that all deferments are going to be denied because of the pandemic. In his words too many deferments to be able to approve any at this time. I also received an email stating the stimulus checks and insinuating that the car payments should be paid with that. I have a perfect record of the last 14 months with them and just need some help. They denied working with me, deferring or any other action or even removing the late fees. I have no job because of covid, my unemployment doesnt even cover my rent but every company is working with me except my vehicle loan through westlake financial services. They also were ver adamant that it would be reported to collections and this would affect my credit ( which Ive worked VERY hard to fix over the years ) and to even take the vehicle. I feel they are being completely cruel and unforgiving, giving the circumstances Im given. And I cant be the only person in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was late on my credit card payment ( {$60.00} ) FIRST time and for a two days only. I explained the representative that I missed the payment due not feeling well. The Representative was not willing to help me and remove the late fee ( {$25.00} ) despite frustration and pain caused by coronavirus.

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 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am rebuilding my credit and paying my bills on time. I only have one open thing on my credit report account and I am trying to buy a home. The real estate company stated I only need to have a credit of XXXX as a first time home buyer. 

https : XXXX XXXX loan changes that were rolled out in XXXX are in effect in XXXX. According to XXXX XXXX, more lower-credit FHA applicants are being approved. In XX/XX/XXXX, only 19 % of closed FHA loans were for applicants with scores of 600-649. By XX/XX/XXXX, that increased to 23.5 % of approvals. Lenders are loosening guidelines and encouraging lower-credit applicants to apply. 

My scores are steadily rising with XXXX  ( XXXX ) and XXXX  ( XXXX ). Unfortunately, Experian purposely stifling my score and there is an 85 point ( XXXX ) difference even though all the companies have the same information. XXXX  and XXXX  gave me an excellent and fair payment score of XXXX. Experian lied and stated my payments were fair even though I never missed a payment. 

If you look at Experian 's website they are pushing their high-interest rate credit cards and upgrades at the consumers with the promise of raising credit scores. I feel like I am being blackmailed and my credit score is being held as a hostage. At this point I can't apply for credit accounts because of them it will be declined.

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 2020-04-09 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Account status and balances inaccurate for XXXX XXXX - XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  and has not been corrected after numerous attempts.

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 2020-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/XXXX my XXXX year old daughter 's mother sent her money thru PayPal. She followed the link which allowed he to establish a profile with no age questions. The money was then unable to be accepted due to the inability for her to add a bank account ( because she dose not have on ). Now the money was unable to be used for her purchase and also unable to be refunded back to her mother. Using text messaging going back and forth for over two hours before being rectified. During this time my daughter ( XXXX yrs old ) was told many times she should have read the terms and agreements because she was not old enough to open an account. ( Yet they allowed her to do so ) Then repeatedly told she could not refund the money ( until she was crying ). So basically the money was at paypal, out of her mother 's account but not refundable or useable and it was her fault. After trying to add my account, which did not match her name and trying to add her custodial account, again not allowed! That money was sitting there, in limbo and not accessible. If this company is limiting by age, then why are they opening accounts for minors and allowing transfers? i became involved when I found out she was going to just let the money stay there because she was afraid she was going to get into trouble. ( for something they allowed ) ... My complaint? How many times and how much money are they scooping up this was? Why do they not have a proper refund option in place, why would they treat a child that way by not asking proper verifying questions, how many fraudulent and money laundering accounts are they facilitation? And on top of it all no phone number contact. I believe they should be looked into for circumventing financial institution laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: CA

Complaint narrative:
Early XX/XX/2020, I received an alert from XXXX  about an account that had been added to my credit report. When I signed in to view my report, there was an account that I did not recognize ( XXXX  XXXX XXXX  ), but there was no contact information for them. So I log into XXXX XXXX and I notice that it was a collection account owned by XXXX XXXX XXXX. So I reach out to XXXX XXXX XXXX and explain that I did not own that account, they had the wrong person. The account was then removed from my credit report as a result of the investigation. Two days later, I received a notification that an account was removed from my credit report from both XXXX  and XXXX, but nothing from Equifax. So I give it some time thinking they needed time to official remove the account. After a month passed and the item was still on my Equifax  credit report, I reach out to Equifax and they have no record of a request from XXXX XXXX XXXX to remove the item from my credit report. So I conference call XXXX XXXX XXXX ( with Equifax  customer service on the line ) and was transferred to XXXX XXXX, the Director of Operations for XXXX XXXX XXXX. XXXX XXXX informed Equifax that an e-OSCAR had been submitted to all 3 credit bureaus on XX/XX/2020 to request the account be removed from my credit file. The Equifax customer service representative continued to say they have not received any such request. XXXX XXXX proceeds to give verbal authorization to remove the account from my credit file and Equifax still refused to do so. Equifax is now making me go through another 30 day process to get an account removed that has already been requested for removal from the reporting company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax insist on reinserting credit inquiries on my credit report that is not authorized. I have inquiries that were reinserted without notice. These are inquires that I did not authorize. Inquiries in question are : XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  card services XX/XX/XXXX and XX/XX/XXXX. I never signed nor agreed to any of these inquiries. Remove immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
The fraudulent seller XXXX  *never* sent me my ticket after I paid the {$77.00} through PayPal. Due to Paypal 's consistent lack of intention to resolve the case of a fraud. PayPal explained that this was money sent to a friend, so I could not refund this even though I didn't receive the ticket. But, this transaction through the phone app at the time I was told by the scammer XXXX  - on the PayPal app, it was the only option I could- to check the box to send it the way the seller instructed verbatim. Even after wards, I felt uncomfortable and immediately called PayPal within the same minute, which PayPal has on file. PayPal never considered that this was fraud even though I explained the entire situation and text, numerous times. I called twice within the hour, and after called PayPal to at least 4-5 different times plus sent two letters sent to PayPal headquarters. 
I contacted them about on XX/XX/2019 but they didn't follow up on my response and promise that I would get my refund. Instead, they never refunded me. On the PayPal Resolution Center, the case was deemed closed. 
My PayPal account is under email XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have attempted several times to set up auto pay for this Amazon / Synchrony Bank store credit card. I was not successful apparently and the XX/XX/2020 payment was not automatically taken out of my bank account. I received no notice from Amazon/ Synchrony Bank and only became aware of the missed payment while checking my credit score on XXXX XXXX. I have made multiple disputes to the creditor and credit bureaus. Amazon/ Synchrony Bank refuses to remove the negative remark from my credit report despite having on time payments prior. Since the dispute I have paid the account in full. I want this mark removed as the payment error was through no fault of my own but rather an error on their auto pay feature. Thank you.

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