vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
The school I attended is no longer in business. I have NEVER been told about forgiveness options for my loans ; only given forbearance/deferment options. I pay {$80.00} to {$100.00} a month toward my loans, yet somehow I am still behind, with NO option to lower my payment so that what I am paying matches up with my monthly amounts. I get up to FIVE phone calls a day about the delinquency of my account. Once a month I get a mailbox stuffed full of letters from Navient about my account. I want to know what are my rights as an attendee of the now defunct XXXX XXXX   and what my responsibilities are.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
There is an Arizona address listed with my name on my credit report and I have never lived nor am I from that state. Someone used my name and SSN to establish identify.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/2019, My on line access to my account was locked with a phone number that first I was told was provided bay a third party then was provided by Public Records. Synchrony Bank stated that XXXX XXXX XXXX was responsible for providing the phone number from those sources. They could not grant me access to my account. Access to my account was being restricted by my access to a phone number that they had no ideal who had access to the phone. 
XXXX XXXX XXXX was contacted and said they had no access to, nor had the responsibility for providing this information.

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 2019-03-30 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: WI

Complaint narrative:
in 2012 I was a victim of extortion a girlfriend that used me extorted money from me I sent equifax the report from the XXXX police department why is it when fraud has been commited against me in any other situation i would get justice but Equifax verifys the bankruptcy from a third party. 

and not the courts i want the baankruptcy removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I spoke with the representative at Capital One about my first CFPB complaint. Their response : " On XX/XX/2019, we sent a request to the CRAs, asking them to report the authorized user XXXX XXXX on your account. The confirmation number for this request is XXXX. Please note it may take up to 60 days for the agencies to update their records and they have their own internal guidelines on what information they choose to report on a customers credit file. '' After contacting them towards the end of the 60 day mark with no resolution to the origin problem, they informed me to resubmit a complaint because they don't know why the original request didn't fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: OR

Complaint narrative:
In XXXX of 2018, I had to call the police as the apartment I was living in was broken into. 

I filed a police report with the responding officers and was told by the leasing office, aka XXXX XXXX, that I would need a police escort to retrieve my things and they would absolve my lease. 

Several months later a bill for {$4800.00} appeared on my credit reports. XXXX XXXX. 

The statute of limitations for Oregon rental debt is one year. 

I attempted to call Equifax and explain this but the person on the phone stated it would be on my report for 7 years regardless. 

When I asked about the Oregon State law she seemed not to care. 

XXXX took it off my report, XXXX said they are disputing and XXXX XXXX called the police and asked I not contact them again. 

I feel as if I am being extorted for a fraudulent debt I'm not liable for and unsure of what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I spoke with the representative at XXXX XXXX about my first CFPB complaint. Their response : " On XX/XX/2019, we sent a request to the CRAs, asking them to report the authorized user XXXX XXXX on your account. The confirmation number for this request is XXXX. Please note it may take up to 60 days for the agencies to update their records and they have their own internal guidelines on what information they choose to report on a customers credit file. '' After contacting them towards the end of the 60 day mark with no resolution to the origin problem, they informed me to resubmit a complaint because they don't know why the original request didn't fix the issue.

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 2019-03-30 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I spoke with the representative at XXXX XXXX about my first CFPB complaint. Their response : " On XX/XX/2019, we sent a request to the CRAs, asking them to report the authorized user XXXX XXXX on your account. The confirmation number for this request is XXXX. Please note it may take up to 60 days for the agencies to update their records and they have their own internal guidelines on what information they choose to report on a customers credit file. '' After contacting them towards the end of the 60 day mark with no resolution to the origin problem, they informed me to resubmit a complaint because they don't know why the original request didn't fix the issue.

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 2019-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cawley & Bergmann, LLP
State: CA

Complaint narrative:
My identity was used to open an account at XXXX XXXX. I informed XXXX XXXX that my information was misused and they still sold this debt to Cawley & Bergmann, LLC. This is illegal. It needs to stop. I researched the Federal Trade Commission and Fair Credit Reporting act. These practices violate the laws congress enacted to protect the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Please read attached documents of the letter I attempted to send to the agency contacting me. The fax number provided was fake. The company trying to collect the debt did not advice the standard " this is an attempt to collect a debt '', in addition, harassed me and refused to provide me business name, address and fax number to send bankruptcy papers to. They also told me that I could not bankrupt the debt. I was repeatedly told I was being sued and could have the address and fax number for my attorney when I received my court papers. They had a woman contact me to tell me she is a process server planning to serve me court papers. I called the following day and they gave me the business name of XXXX XXXX and a false fax number. I have no statements or documents from this company and can not find the company on the internet to reach out to any other person in that agency or to locate an address/fax number. The telephone number I have is XXXX and an incorrect fax number of XXXX. The XXXX people I have spoken to is XXXX XXXX and XXXX XXXX. The process server who called me was XXXX XXXX. Case number is XXXX under the account name of XXXX XXXX. They claim they were collecting a debt from Huntington Bank from 2010 in the amount of XXXX for overdraft fees. I advised that I filed a no asset chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My identity was used to open an account at Citi Bank. I informed Citi Bank that my information was misused and they still sold this debt to XXXX XXXX XXXX, XXXX. This is illegal. It needs to stop. I researched the Federal Trade Commission and Fair Credit Reporting act. These practices violate the laws congress enacted to protect the consumer.

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 2019-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I just opened a an installment account with jc penney I made my first 2 pmts which were stopped by XXXX because of an old fraud hold which was not removed after the first stopped payment.The jc penney account was cancelled because of the SECOND STOP.As a result of XXXX direct negligence my credit was adversly affected The account was reported closed and an inquiry was recorded. 
JCpenney requested i contact XXXX and clarify the situation but to no avail XXXX would not correct the matter

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 2019-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I just opened a an installment account with XXXX XXXX I made my first 2 pmts which were stopped by citibank because of an old fraud hold which was not removed after the first stopped payment.The XXXX XXXX account was cancelled because of the SECOND STOP.As a result of citibanks direct negligence my credit was adversly affected The account was reported closed and an inquiry was recorded. 
XXXX requested i contact citibank and clarify the situation but to no avail citibank would not correct the matter

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 2019-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/2019 my credit card was compromised by a unauthorized user of Paypal. I have included the credit card number used below. Two charger were made on XX/XX/2019 for {$600.00} and {$720.00}. I contacted Paypal customer service department located in the XXXX on XX/XX/XXXX and XX/XX/XXXX to let them know about the fraudulent transactions. They have refunded my {$600.00} but not the {$720.00}. I am demanding that the remainder of my funds in the amount of {$720.00} is returned to me immediately. 

Credit Card Number : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: MN

Complaint narrative:
I moved out of my apartment ( XXXX XXXX, XXXX, NV ) on the XX/XX/XXXX. I went into the office and said ok I am ready to move out, I just need to get my mattress out of there. XXXX told me to take my time and leave the key in the drop box. I shouldn't have trusted her. I was told the rent would be prorated. They are now saying I moved out on the XX/XX/XXXX. They are charging me almost 400 $ extra for rent and XXXX $ for fees. I was first told about my extra charges in XX/XX/XXXX and I was disputing them with someone from XXXX ( not someone from the apartment ). They did not care what I had to say and hung up on me. I then tried emailing the apartment in XX/XX/XXXX. They didn't get back to me. I then got a letter from a debt collector. I tried calling them and saying that the amount was wrong and they said it didn't matter. It is now XX/XX/XXXX. I tried to dispute the debt online but there is no account set up for me on XXXX which is confusing. how am I supposed to even pay my debt? I HAVE to call them? they were rude to me on the phone before. This whole thing is unfair and a huge mess. I am getting scammed by my old apartment. 

You can check my credit card statements. which make clear that I left Nevada on the XX/XX/XXXX and came to XXXX, MN.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: EQUIFAX, INC.
State: NV

Complaint narrative:
When I requested my annual free credit report, I submitted appropriate documents INCLUDING a copy of a LEGAL NAME CHANGE. I have since received 2 letters from Equifax requiring that I submit the documentation already submitted AND, despite faxing a request that they UPDATE my name in accordance with that documentation, They refuse to do so. I have prepared a response to the most recent letter and I have that available as a PDF document along with proof of my identity including a copy of the NAME CHANGE ORDER. 
I find their refusal to correct my name in accordance with proper proofs to be insulting and possibly discriminatory as I am a XXXX female and they insist on retaining my DEAD NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
The collection company NATIONAL CREDIT SYSTEMS , INC has been charging me for a while now the amount of {$2200.00} and I have just been sent an offer to pay half {$1100.00}, for a concept of a debt of XXXX XXXX XXXX, ( in XXXX ),, The problem is that I have never lived in these apartments or have any debt to them ( I have been living in my house since 2008 ) I contacted NATIONAL CREDIT SYSTEMS and they told me to send them my credit report and copy of my ID,, but I did not do it because I do not want to give you more data to reinforce this erroneous collection,,, when I spoke with them they mentioned a date of birth that does not correspond with mine, " so I suspect that they do not have my correct SS, BUT THEY ARE AFFECTING ME IN MY CREDIT XXXX  SCORE ( in the other 2 credit bureaus this debt does not appear ),,, They only have my name and with it they took my address to try to collect a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: CO

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

DEPTEDXXXX {$240.00} XX/XX/XXXX {$57000.00} DEPTEDXXXX {$140.00} XX/XX/XXXX {$12000.00} DEPTEDXXXX {$99.00} XX/XX/XXXX {$7700.00} DEPTEDXXXX {$75.00} XX/XX/XXXX {$6100.00} DEPTEDXXXX {$140.00} XX/XX/XXXX {$12000.00} DEPTEDXXXX {$140.00} XX/XX/XXXX {$11000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-31 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: CO

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX {$240.00} XX/XX/XXXX {$57000.00} XXXX {$140.00} XX/XX/XXXX {$12000.00} XXXX {$99.00} XX/XX/XXXX {$7700.00} XXXX {$75.00} XX/XX/XXXX {$6100.00} XXXX {$140.00} XX/XX/XXXX {$12000.00} XXXX {$140.00} XX/XX/XXXX {$11000.00}

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 2019-03-31 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: CO

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX {$240.00} XX/XX/XXXX {$57000.00} XXXX {$140.00} XX/XX/XXXX {$12000.00} XXXX {$99.00} XX/XX/XXXX {$7700.00} XXXX {$75.00} XX/XX/XXXX {$6100.00} XXXX {$140.00} XX/XX/XXXX {$12000.00} XXXX {$140.00} XX/XX/XXXX {$11000.00}

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 2019-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
The following hard inquiries show on my credit report. I have not directly contacted any of these companies. I have been a victim of identity theft, and all of these are likely attempts to open an account under my name. I have had a credit block placed once, but it seems like it has expired around mid XXXX at which point these inquiries started again. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/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

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 2019-03-31 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I entered into a 3 year lease agreement with Hyundai Motor Finance on XX/XX/XXXX for a 2016 XXXX XXXX. At the end of my lease term in XX/XX/XXXX, I turned my vehicle back into a Hyundai location. Hyundai did not allow me to pay my termination fee at that time and said they would send a bill. Hyundai also refused to allow me to make this payment through their online portal. Upon receiving a bill of {$790.00} from Hyundai in XX/XX/XXXX for my termination fee plus excess wear and tear costs, I mailed a check to Hyundai on XX/XX/XXXX. Hyundai waited to cash my check for another 4 weeks on XX/XX/XXXX. Hyundai also converted the check to an electronic check so I can not show an image of it with the date XX/XX/XXXX written on it.Then another month passed with no additional communication from Hyundai and my account showing as paid off in full and closed. Then on XX/XX/XXXX I received an alert from my credit monitoring agencies saying that Hyundai Motor Finance had reported my account as more than 30 days past due and delinquent on my account. I have reached out to the credit reporting agencies and Hyundai multiple times and they have updated the status of my account to closed but have refused to remove my 30 days past due designation. I filed reports with Hyundai and the credit reporting agencies both in XXXX of XXXX and again in XXXX of XXXX. Hyundai has reported back to me on XX/XX/XXXX saying they believe the credit reports are accurate with the 30-59 days late status on my report. I believe that I have acted in good faith and made all of my payments on time and in accordance with the agreement that we laid out. I ask please that the CFPB ask Hyundia Motor Finance and the credit reporting agencies to please update my credit report to remove the delinquency from my account and the 30-59 days past due status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Sent {$72.00} on XX/XX/2019 for. XXXX tickets to XXXX XXXX from XXXX and did not receive. And did not receive tickets or refund

Company response to consumer: Closed with explanation