vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-03 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 bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$18000.00} US DEPT ED XXXX {$3500.00} XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX   XXXX {$310.00} DEPTEDXXXX 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 2020-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: MI

Complaint narrative:
these companies are allowing you to skip payments due to Covid-19 however they are still charging high interest rates. They are financially benefiting from a Pandemic and that should be against the law. There needs to be more protection/help for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
This company has been contacting me repeatedly as well as contacting my family members. I have asked them several times NOT to contact family members ever again. I have also asked them not to contact me further regarding the debt ( s ), as I have no money and especially now with my hours being cut due to COVID-19 and am facing homelessness. Each time they say they will note the account correctly to ensure I do not receive anymore phone calls and then a few days later I receive yet another call and the people become more and more aggressive and rude.

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 2020-08-03 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: MS

Complaint narrative:
I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX XXXX {$150.00} XXXX   XXXX {$350.00}

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 2020-08-03 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: MS

Complaint narrative:
I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX/XXXX XXXX {$150.00} XXXX/XXXX   XXXX {$350.00}

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 2020-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2020 I wire two funds to XXXX XXXXusd and XXXXusd Bank of America locked my online bankingI called many timesAnd verified all my informationthey asked me to go to the branchThis is  very ridiculousI am currently in XXXXUSA closed the border and COVID-19 very seriousHow do I get to the XXXX XXXX This department asked me to explain why I want money to go to XXXX explained and proved everything to themThey still locked my online banking I do not understandI save money in USABecause of XXXX XXXX is freedomThis makes me very disappointed

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 2020-08-03 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: CA

Complaint narrative:
XXXX continues to report several bankruptcy filings on my cresit report from XX/XX/XXXX-XX/XX/XXXX that do not belong to me. I was advised by the Court that they did not provide this inaccurate information ans the CRA has refused to provide documentation that meets FCRA requirements as it relates to the inaccurate information they have been reporting provided from a secondary source who is furnish inaccurate and incomplete information mainly XXXX according to the CRA.

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 2020-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
Capital Accounts is in clear breach of the Fair Debt Collection Practices Act ( FDCPA ). 
I received the first letter of notification about an alleged delinquent account on XX/XX/2020. I filed a timely dispute requesting a debt verification letter within the 30-day frame decreed in FDCPA. The dispute letter was received by Capital Accounts on XX/XX/2020. No investigation has been conducted and no correspondence has been received ever since before the alleged delinquency was reported to the credit bureau of XXXX on XX/XX/2020. 
Capital Accounts did not investigate the dispute or provide me with verification of the debt required by FDCPA. Their illegal and aggressive practices need to be stopped and rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX company is fraudulently attempting to collect a debt on behalf of Bank of America for a former debt that was charged off by Bank of America. 
This company uses illegal collection practices in addition to Bank of America. Both use illegal collection activities. Both Bank of America and XXXX use harassment techniques by phone to record false information instead of discuss the discharged closed account.

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 2020-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03 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: MS

Complaint narrative:
I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX/XXXX XXXX {$150.00} XXXX/XXXX   XXXX {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit System is reporting a collection from XXXX XXXX XXXX on my credit file. XXXX XXXX XXXX is no longer a company and I have been trying to figure out where to call to pay with no success. None of the payments I made to XXXX XXXX XXXX reflect on this account. I never received any phone calls, letters or collection notices which is a violation of my 30 day right to dispute and leaves me unaware of where and who to pay. I would like National Credit System to fix this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was contacted by a debt collector, XXXX XXXX who is representing Check and Go Services for a debt Im accused of having. Check and Go keeps sending multiple debt collectors about this debt Im not aware of and never sends documentation That I always request. Instead different debt collectors repeat my personal information over the phone and threaten to send the Sheriff to my house and job. After yelling they angrily hang up when I ask them to send documents that show this debt is mine. They never send documents or a bill. The most recent call was received Monday, XX/XX/2020 at XXXX XXXX  ( EST ) from XXXX saying they are XXXX XXXX who just received my file from Check and Go. Because of them having my personal information, I constantly check my credit report and sign up for credit monitoring services. I have been a victim of identity theft in the past twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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 — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
XX/XX/XXXX, I requested Toyota XXXX to remove or expunge from my credit report after dealing with a legitimate payment dispute that took over 2 years and 2 of your collection agencies to resolve. My account should have not been finalized in collection in that I paid my lease off in full, 13 months ahead of the term. This bad collection mark is not a fair representation of my credit worthiness but an error on the part of Toyota. In short, I did not get the final statement until 15 months after the lease was paid off, XX/XX/XXXX. This final statement started the dispute with the demand for the additional months payment plus the disposition charge. Shortly after the final bill, I started to get collection notices from 2 agencies, XXXX XXXX XXXX then XXXX. According to your records, as reported by the collection agencies, I was charged for an additional month indicating I kept the car a month after the lease expired which was clearly not the case. I provided the collection agency the lessee odometer disclosure statement that verified when the car was dropped off, which was XX/XX/XXXX ( 13 months early ), along with the final payoff check for {$6300.00} ( an amount provided by Toyota to finalize the lease ). It was finally determined, I only owed {$350.00} for the disposition charge, which I kept telling the collection agencies I was willing to pay. All of the back and forth took more than a year, which was clearly a waste of time and effort for only {$350.00} and a bad record on my credit history. I could have easily paid {$350.00}, at the same time I turned the car in, but was aware of it until I receive a statement more than a year later. But their insistence to get more money from me just prolonged the time of the dispute. Therefore, I am asking for your professional attention to review all communication and documentation over the 2 year disputed period to give me some favor to remove this bad mark off my credit report as soon as possible. It is the only blemish on my perfect credit payment history. 

Thanks in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: MI

Complaint narrative:
Hello, I recently applied for a credit card with XXXX/Continental Finance after receiving a pre-approved offer. In an effort to build my credit, I applied and was approved for {$500.00} ; I was aware this would be decreased to {$420.00} due to the {$75.00} annual fee which is deducted from the available credit. Upon receiving the card, there was an available balance of {$390.00}, this is due to the company sending me 2 cards, 1 in a previous last name and 1 in my current last name. Due to this extra card, I was charged an additional {$30.00} ; the problem is, I did not request an additional card, I applied for the credit card in my current name which is also reflected on my credit report and the card should have only been issued in my current name. 

I tried to contact the company by phone, multiple times with no success. The hold times will start at 14 minutes and the longer you hold, the longer the wait time becomes, 15 minutes, 17, minutes, 20 minutes ... which is absolutely insane and quite baffling. 

I would like the {$30.00} charge reversed and this company needs to do a better job at of being sure they're issuing cards correctly and not charges customer from non-applicable fees.

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 2020-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've  suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am currently applying for a mortgage, and the lending companies are unable to get by 3rd credit score from Equifax. They have no problems getting my credit report from the other agencies. I have contacted Equifax about this problem at least 10 times over the past month and a half. When I call, I am told that they can't find my file with the information I give them. They requested that I fax documents for proof of identity and residence. I did this, and received a letter in the mail from them saying they can't locate a credit file for me. I called back several times, and the agents say that my previous calls have not been documented, and the fax I sent in was not attached to my file so they can't see it. They then tell me that they are unable to help me with my problem, and when I ask to speak to a supervisor they tell me that there may not be one available. They then place me on hold, and either hang up on me, direct me back to the main line, or tell me that there are no supervisors available and to call back another day. ( This has happened multiple times with different agents ) Today I spoke with an agent, XXXX : ID # XXXX, and the only solution she offered me was to resend the documents even though the agency already received them. She could not guarantee that this would solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$24000.00} XXXX XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my 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 2020-08-03 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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my 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 2020-08-03 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I have submitted a letter from XXXX XXXX requesting that all three credit bureaus correct the information reporting delinquent and late payments. I have attached a letter from XXXX XXXX stating that the 60 days reporting late should be updated to to paid on time. Credit bureaus have failed to update my report which is affecting my credit score tremendously. 

I have attached all supporting documents for reference. You can also reach out to Ms. XXXX from XXXX XXXX XXXX or XXXX for additional information. MY old CFBP complaint is XXXX. 

Thank XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$24000.00} 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