vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-29 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: TX

Complaint narrative:
XXXX Disputed XXXX incorrect last date of activity of XX/XX/XXXX with 3 credit bureaus Last date of activity was XXXX XXXX. There is no way it could have been any later than this, because I was XXXX XXXX On or about XXXX responses from credit bureaus did not have any information about how they concluded the information was correct. 

XX/XX/XXXX, XXXX Contacted XXXX to address the error. 
They confirmed there was a credit of {$2.00} which was given on their part, but the rep could not explain what this was for. However, it was not a payment on my part. 

XXXX XXXX Last date of activity XX/XX/XXXX. 

Therefore, both XXXX and Credit bureaus are in violation of Fair Credit Reporting. Act.

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 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX {$4000.00} XXXX {$160.00} XXXX {$380.00} XXXX {$50.00} XXXX XXXX XXXX   XXXX {$90.00} XXXX {$310.00} XXXX {$220.00} XXXX {$580.00} XXXX {$600.00} XXXX {$24000.00} XXXX $ XXXX XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX with a date of XX/XX/2006 and phone number of XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.

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 2020-05-29 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX   XXXX  with a date of XX/XX/2006 and phone number of XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.

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 2020-05-29 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX/XXXX XXXX XXXX XXXX XXXX with a date of XX/XX/2005 and a phone number of XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX is trying to collect a debt which is not mines ; which is also pass the STATUTES OF LIMITATIONS ; Open Accounts : 4 years O.C.G.A. XXXX. 

All of their reps that I have tried to communicate with was very unethical. 

XXXX XXXX XXXX refuse to send any written signed contacts or any verifying data about this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
I was a victim of ID theft on multiple accounts including what appears to be a loan from Goldman Sachs which I did not authorize, nor did I request. I have made numerous attempts including attempts made with representation to dispute this with Goldman Sachs. They claim that they have loan documentation and a recording of my voice authorizing the loan. As a result, they denied my request because they said I made a single payment, and verbally approved the request. We have asked now on multiple occasions for them to send us the signed loan documents which should be my right as a consumer and have requested the voice recording so that it can be reviewed. Two months later and numbers calls to Goldman Sachs with a minimum of 1 hour hold times, we have yet to receive the documents they are claiming prove that this fraudulent debt is mine. We have submitted what we feel to be sufficient information protesting this account and feel that Goldman Sachs is trying their hardest to not provide this information hoping that I go away and that they will not be responsible for the fraudulent debt they allowed to be opened in my name. The nest step will be the state 's attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I opened a bank account with Citizens Bank in XX/XX/XXXX. I followed their public online offer of {$300.00} for opening a checking account by making ( 1 ) direct deposit of {$500.00} which I completed in XXXX. The pay-out according to their site should be by XX/XX/XXXX but I still haven't received it til this day. 

I've tried messaging them and calling but I can never get in-touch with someone to deal with it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I allow a company ( XXXX  ) to access my checking account for investment purposes. My PNC debit card and a PNC credit card are linked to XXXX. XXXX  monitors the " change '' from my transactions on these cards and when I reach {$5.00} they deduct the amount from my checking account and invest it for me. I have been using this service for over 3 years and suddenly PNC bank will no longer allow my cards to be linked. I have reached out to both companies to attempt to resolve this with no success. Supposedly it comes down to a change in security that PNC has enacted. PNC has said I should be able to relink the cards and XXXX  says PNC will not allow it due to security changes. Basically they're pointing the finger at each other. This started in late XXXX. I have no idea what you can do, but I would like to continue using XXXX  and have had no issues with it. The bank seems to be the major obstacle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: AL

Complaint narrative:
There are accounts on my credit report that does not belong to me XXXX XXXX and XXXX XXXX XXXX  needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I took out a credit card to pay a lawyers fee for my divorce in XXXX. I used {$2500.00}, I believe. I paid dutifully on this credit card every month for over 15 years. The credit union stated that I still owed {$1100.00} when I stopped working and missed a payment and the account was taken off of my account online. I have been taking care of my mother for the last few years. I have had very little income during this time. The credit union wanted me to pay the balance but I could not afford to do t his. I spoke to them and complained about the amount I had paid on the original debt, It was 10 times what I borrowed and I had no money to give them. I recieved an unemployment check for {$4000.00} due to Coronavirus measures, and they took the full amount out of my account and refused to return the funds. We need this money badly. I had debts that needed to be paid immediately, we needed food and bedding and clothing and household equipment replaced. I asked them to make a payment arrangement with me instead, but they refused. I believe this is illegal to take a large amount from relief payments. I would like this money returned to me. If needed, I can pay the {$350.00} they offered XX/XX/XXXX, but can not afford to have the full {$1100.00}, and further do not believe it is fair for them to withdraw this without any notice. I will only go further into debt due to this withdrawal. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX {$4000.00} XXXX {$160.00} XXXX {$380.00} XXXX {$50.00} XXXX $ 217 XXXX  {$90.00} XXXX {$310.00} XXXX {$220.00} XXXX {$580.00} XXXX {$600.00} XXXX {$24000.00} XXXX XXXX   XXXX XXXX {$3500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX {$4000.00} XXXX {$160.00} XXXX {$380.00} XXXX {$50.00} XXXX $ 217 XXXX  {$90.00} XXXX {$310.00} XXXX {$220.00} XXXX {$580.00} XXXX {$600.00} XXXX {$24000.00} XXXX XXXX   XXXX XXXX {$3500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Victoria Secret is incorrectly reporting an account as charged off. I paid the account in full directly to Victoria Secret and closed the account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Specialize loan services continues to put negative reporting on my account even after I paid my loan in full. How do the keep getting away with this??? The last report shown on my credit report shows settled not paid in full. This was paid in full. Why does this company continue to get away with not stating the correct facts to credit bureaus is beyond me. I even got a copy of my mortgage statement that says paid and satisfactory Mortgage. And even after the loan has been paid off since XX/XX/XXXX th Im still showing negative months after this what the XXXX is going on??? Please help me with this I need someone on my side to help. 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 2020-05-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX & I would like to file a complaint on Synchrony Bank XXXX account XXXX. 

I have attempted on multiple occasions to communicate with Synchrony Bank regarding my XXXX  account that they underwrite. The agreed fixed payment with XXXX was contracted at {$85.00} per month, but every statement I receive indicates a minimum payment of greater than that amount. When asked why, I am told that a late fee is added to the amount & thus increases the minimum payment due. The fee is not separated from the minimum payment as a separate charge, so it is impossible to identify why the minimum payment is larger than the agreed amount. 

As of this writing ( XXXX ), all payments due have been made & the account is current, yet the minimum payment reflected on their website indicates the minimum due on the account is {$130.00} ( the contracted minimum payment is {$85.00} per month ). A service representative named XXXX indicated on XXXX that a late fee was added to the payment due, but the payment due date is not scheduled until XXXX. 

A request to change my due date has been denied previously on more than one occasion because the acct was past the due date, but the due date does not coincide with my payroll dates. I have explained this multiple times & no assistance has been rendered & my request for a due date change continues to be denied. 

Please assist if you are able. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 monetary relief
Consumer complaint received 2020-05-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
A few years back, I called Navient to see what I needed to do to qualify to have my co-signer removed from my private loans. They listed off a few details on what steps I needed to take, and those were : Loans payments must be in full without any program assistance ( IBR, Deferment, Forbearance ) Continuous monthly payments for 2+ years Can not miss a payment during this time period After paying them for over two years, I called to ask how to get the co-signer release paperwork, and where to file for processing. I was then told the same list of requirements, but an additional one was addedhaving a degree from the school attended. This information was not provided and is now screwing me over. 

I was unable to graduate due to maxing out my ability to request more loans and was forced to quit my education, which was also a lie the school told me when I enrolledthat student loans would cover the entire span of my education there. I was two quarters away from graduating. I also met all the requirements for over two years, only to be told the information I was given was incomplete and can not seek relief for my cosigner. 

Now, the XXXX XXXXXXXX XXXX XXXXXXXX and many other locations have closed due to their worthless degrees, lack of accreditation, predatory student lending practices, false job placement information, poorly promised job placement practices, and false starting wage information. Because of this, I can now never complete a degree and do not have the option to have my mother removed as a co-signer on my loans. 

Having a cosigner puts my family at risk if something happens to me, and also enables Navient ( the loan servicer ) to use my co-signer 's income as a means to charge me more per month in payments. My cosigner should have nothing to do with my monthly payments unless/until I have lost the ability to pay them myself. It's robbery at its best.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
On Saturday XX/XX/2020, I made a cash deposit at the authorized TCF ATM location at the amount of {$500.00}, one I made the deposit I was expecting to receive a receipt. Instead of receipt the ATM screen said the transaction can not be complete. It did gave me my card back, no receipt, no money, all I got was empty screen with a phrase the transaction can not be complete. 

Reminder I deposited that {$500.00} in cash because I need this money to cover my bills that I already mailed. 

XX/XX/XXXX I made a call to TCF Bank to let them know about what happened, gave them the address oh the ATM, explained that that I need the money deposited as soon as possible, because i have already paid my bills! If I I have known that the ATM was broken I wouldnt use it. The lady told me Ok, the case is open we are gon na investigated XX/XX/XXXX I am calling back TCF Bank to inquire about my money, my bills need to be paid! TCF Bank Representative : We have not updated for you, the investigation is pending XX/XX/XXXX I am calling TCF Bank to inquire about my money, panicked! TCF BANK REPRESENTATIVE : Investigation is still pending, it may take up to 5 business days for us to know something Me : I need to pay bills, I dont have money for insufficient funds! I am not working! TCF BANK : you may have to pay fees when the checks you wrote clear me : But you have my money? I didnt do anything wrong! 

They have stolen my money! What am I to do? I dont have any more money, that XXXX was to cover my bills! Help me please!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Stuart-Lippman and Associates, Inc
State: CA

Complaint narrative:
the collection company name Stuart-lippman and associations INC try co email and call me to collection

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I lived at XXXX XXXX for a year. Rent Recovery is trying to collect from me. I made sure I followed rules, and cleaned the place spotless before I left. I have pictures to prove it. And pictures of even getting the carpet cleaned and they still say I owe them XXXX for a deep cleaning of the apartment and broken blinds. I do not mind paying for the blinds but there needed not to be a deep cleaning at all. Any cleaning that would have been done would be normal cleaning for the next tenant to live there. A routine clean. The pictures are the exact day of move out and the picture of the lady is who did my move out inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.XXXX  {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX/XXXX  XXXX XXXX XXXX XXXX with a date of XX/XX/2005 and a phone number of XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.

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 2020-05-29 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX with a date of XX/XX/2004 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.

Company response to consumer: Closed with explanation