vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
IT'S BEEN OVER A YEAR THAT I'M BE TRYING TO GET A CREDIT REPORT FROM EQUIFAX BUT NOTHING SEEMS TO WORK OUT THEY SEEM TO BE HIDING SOMETHING FOR THE REASON OF EVERY TIME I TRY TO VERIFY MY IDENTITY THEY ALWAYS GIVE ME THE RUNAROUND. I SEND THEM A COPY OF MY BIRTH CERTIFICATE ID GREEN CARD AND BILLS. THEY REPORTED ME DECEASED AND I FEEL THEY DONT WANT TO GIVE ME ACCESS FOR I HAVE A FRAUD OF IDENTITY AND THEFT I TRY SND TEY AND THEY JUST KEEP ON HOLDING

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
The account that I am submitting this dispute for is not mines. The debt appears to have originated from a medical services that I did not use. I have no idea how this could have taking place without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have an dispute with Synchrony Bank since XX/XX/XXXX and I can not come to any conclusion with them and the only reason I open the credit Card account with them and trusted them was because it was offered thru PayPal site at the time I was making a transaction. I opened a credit card account with Synchrony Bank at the time I was making a PayPal transaction. I never received the first card in mail. Between XX/XX/XXXX and XX/XX/XXXX, there was {$1100.00} fraudulent charges ( 12 transactions ) on  the account. The bank offers and advertises {$0.00} Fraud Liability Policy. I have explained to their Fraud department my situation many times and disputed these amounts repeatedly and I have also filed a Police Report and send that to them. They keep putting these charges back on my account and every time I call them I get an representative out of country which tells me they will take care of this and 30 days later I get an letter that I'm responsible for these charges again. I do not know what else to do and I do need your help. They have many similar complaints online. I never had or received the first card, which these charges happened. I only received the second card, which was the replacement card in mail and was activated from my office. This has been explained to them since XX/XX/XXXX repeatedly, was also explained, and send to them on the Police report filed by me. I trusted them since it was on papal site. I am sure many other customers are suffering from this Bank Actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding has been harassing me about a debt im not aware of i requested validation Per the fdcpa all they could furnish was a statements of itemizations i asked for a document containing my signature they did not provide me with any signed documents i have been in and out of the hospital sense 2015 i have suffered XXXX XXXX XXXX and XXXX XXXX which has not left me unable to XXXX i am now bed written lvnv funding went ahead and took legal action before  properly validating the debt which puts them in violation of the fdcpa and fcra for reporting this on my credit report.i am XXXX years old and i will not tolerate this please send me a contract or signed document of me opening an account with XXXX XXXX XXXX or lvnv funding i dont have a contract with neither of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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:
Comment TransUnion Continues to report XXXX Account number XXXX on my credit after XXXX  and XXXX  have both deleted this from my credit after the debt could not be validated. I sent all three the same dispute at the same time along with the collection company that owns this debt to have them validate the debt which they could not constitute what meets the Federal Trade Commission guidelines of proper debt validation, so it was deleted. I ask TransUnion to send me prove of how they validated this debt when the other two could not. TransUnion never responded which puts them in violation of the FCRA section 611. TransUnion continues to report this inaccurate information on my credit and claims it has been verified but refuse to show me prove. This account needs to be deleted off my credit. All so XXXX XXXX XXXX XXXX TransUnion is reporting this account that has been bout and sold XXXX times and each time the collection company that owned the debt had to have the debt deleted because the debt was never validated. But for some reason they continue to allow this when I clearly explained to them that this was going on and it should not be allow because these companies can not validate the account they only send the same information that does not meet the XXXX gudelines. These accounts needs to be deleted from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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:
Equifax has been non-compliant with removing the unverified account XXXX  XXXX XXXX Opened Date XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX  XXXX XXXX   was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX has been non-compliant with removing the unverified account BESTBUY/CBNA Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BESTBUY/CBNA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I was previously represented by an attorney ; however, I told them on multiple occasions that I fired the attorney, but they wouldn't believe me. I was attempting to pay, but could not because they wouldn't talk to me or give me info to pay online.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
i have items on my credit report that i would like to verify the information on. I would like to dispute the XXXX XXXX XXXX account opened XX/XX/XXXX for {$550.00} dollars, the XXXX account opened XX/XX/XXXX for {$840.00} dollars, XXXX Bank account opened XX/XX/XXXX for {$850.00} dollars. I have disputed these accounts online with credit bureaus. I would like to verify the information on 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 non-monetary relief
Consumer complaint received 2019-02-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a loan with CAPITAL ONE and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX, CAPITAL ONE and XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
On XX/XX/XXXX I suffered damages due to hurricane Irma. After receiving notices from mortgage company of an assistance program to defer payments for three months I took the opportunity to use this money for repairs and fixing whatever damages were created during this hurricane. It was never explained to me by PRMG ( mortgage company ) in writing nor verbally that at the end of the three months all payments would be due at once. On XX/XX/XXXX, after three months expired I continued to make my regular mortgage payments. To later find out that I was now three months behind on payments. I contacted the mortgage company and was advised of a loan modification program. On XX/XX/XXXX a trial period of 3 months was set forward with a new payment. These payments were made on a timely manner. During this time I was going back and forth with mortgage company due to errors on loan modification application sent to me. While I continued to make the payments set forth by the mortgage company I was notified that a second loan application was going to have to be filled out as the first one had expired. This application expired due to inaccuracies from the mortgage company not only on application but also verbally. I continued to make the modified payments till XX/XX/XXXX. I contacted the mortgage company and was advised that XXXX payment will be a regular payment and not the modified payment. I made the XXXX payment while I awaited for the reply of the loan modification application. On XX/XX/XXXX my mortgage payment was returned to me as now the mortgage company said I was over 6 months late in payments. This made no sense to me as I had made the payments set forth by the mortgage company. I continued to contact the company to try to resolve this issue and pay my mortgage. As of XX/XX/XXXX I was notified that my modification application was denied. Reason for denial per letter from mortgage company is erroneous based inaccuracies and misinformation, thus placing my home in pre foreclosure status. I have had to hire an attorney to try and help me save my home as I dont want to loose it do to unprofessional and inadequate assistance from the mortgage company. I have exhausted all remedies while trying to work this out with the mortgage company to no avail. I feel as if I am being forced to foreclose on my home by mortgage company as it seems that they are reluctant in working with me. For the past year this has been the most stressful situation I have ever been in. They have refused to take my payments thus putting me further in debt. I have been in contact with them throughout this process and have yet to receive a single straight forward answer to any of my questions. Every time I call I have to speak to a different person and not one individual to handle my case. The unprofessionalism they have shown makes me wonder how are they in business. 
Additional information can be provided if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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:
There are inquiries on my credit report that are not mine and someone has been trying to open accounts in my name. I am in the process of contacting the appropriate authorities. The following inquiries are from identity theft and not mine. Attached is a copy of my FTC affidavit. 

XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
i have items on my credit report that i would like to verify the information on. I would like to dispute the XXXX XXXX XXXX account opened XX/XX/XXXX for {$550.00} dollars, the XXXX account opened XX/XX/XXXX for {$840.00} dollars, XXXX XXXX account opened XX/XX/XXXX for {$850.00} dollars. I have disputed these accounts online with credit bureaus. I would like to verify the information on 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 2019-02-28 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: MS

Complaint narrative:
i have items on my credit report that i would like to verify the information on. I would like to dispute the XXXX XXXX XXXX account opened XX/XX/XXXX for {$550.00} dollars, the XXXX account opened XX/XX/XXXX for {$840.00} dollars, XXXX XXXX   account opened XX/XX/XXXX for {$850.00} dollars. I have disputed these accounts online with credit bureaus. I would like to verify the information on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I sent Penfed Credit Union a letter regarding two unauthorized inquiries that they placed on my credit file AFTER is was closed. 

XX/XX/XXXX -- PENFED closed the account due to delinquencies XX/XX/XXXX, and XX/XX/XXXX PENFED inserted inquiries onto my credit file. 

On XX/XX/XXXX and XX/XX/XXXX I received a letter from Penfed stating that they had already investigated my dispute and that they were not going to delete the inquiries because they had permissible business reasons. 

PENFED DID NOT HAVE ANY PERMISSABLE PURPOSE. 

I would like to know why they didn't do an ACCOUNT REVIEW ( soft Pull ) and why they put 2 inquiries on my credit file after it was closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: RateGenius Loan Services Inc
State: GA

Complaint narrative:
Mid XX/XX/XXXX, I was on line looking at car loan rates. I don't remember what site it was and I started putting info in. But when it got to the point where I was putting personal info in, I cleared out and went back and cleared out all info. 

Then on XX/XX/XXXX I got an alert from XXXX ... I had an auto inquiry from XXXX XXXX XXXX XXXX that put a ding on my report. I called the agency the ask for the credit check. They informed me that Rate Genius asked them to get credit score. 

I have never heard of or contacted XXXX XXXX XXXX or Rate Genius. How could these agencies get my info to get a credit report!! 

I called both agencies and both said they could not do anything. Each sorta of blamed the other. I called XXXX  but they said they could not do anything. 
I had talked to a lady at XXXX XXXX, and she promised me she would check into this and get back to me within a week. When I did not hear back from her, I called her on XX/XX/XXXX got her voice mail and told her if she did not get back to me, I was going to file a compliant. That night I call a call from Rate Genius from XXXX, He said he would check into this and get back to me within a few days. Of course I did not hear back from him and on XX/XX/XXXX I called him and of course got his voice mail, left a message and have not heard back from him. 

All I'm asking of either of the 2 companies is to reverse the credit check on my account. Yes, I went online but I removed all my info and they shouldn't have any of my info. Then for XXXX to give them a report with my permission!! 
I work hard to keep my credit score up and for someone to get a report and put a " ding '' on my account with my knowledge or approval!! 

When I talked with XXXX, I did put a Fraud alert on my account, whereas if anyone wants a credit score, I will have to be contacted. 

Then to add salt to the wound, both companies denied me credit!!! I have excellent credit. 

I am hoping that you can help me get the credit check off my account. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: CA

Complaint narrative:
WRONG CHARGE-OFF DATE on XXXX XXXX account # XXXX i ask them to do a verification on this account and they send me a letter saying its been verify and updated, and i request a method of verification to provide me with original documentation with balances and the date that became a charge off with proof, they have fail to provide me with any documentation, so if it can not be verify it has do be DELETED

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