vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.

Also I have been in contact with the office of XXXX XXXX Attorney General of the state of California under the advise of the FBI Internet crime division - XXXX XXXX.

XXXX XXXX has very quickly resolved the XXXX XXXX, XXXX XXXX, Walmart accounts and found them to be fraudulent, the XXXX XXXX XXXX XXXX Card on the other hand I have not heard from, it has been over 6 weeks now since the original dispute, over the time frame given in the FCRA 2009 Section605B ( a ) requires CRAs / Data furnisher to block the reporting of any information that the consumer identifies as information that resulted from an alleged identity theft, within 4 business days.

I have supplied Synchrony Bank / Synchrony Financial with all the proper information under the FCRA & the FDCPA to fully investigate and delete this account, it is absolutely upsetting how the other accounts which presumably have the SAME info as the XXXX XXXX XXXX XXXX account were all finished and processed quickly and this is going over 6 weeks!!!

I will be opening a inquiry with the AG office of XXXX XXXX in regards to Creditor Negligence, I have supplied all the federally mandated paperwork to the creditor at hand.

AND to top it off the creditor is reporting this account as still being paid as I will show in the file attachment.

I truly just want this resolved as fast as possible as Synchrony has been outstanding in the previous 3 accounts. I will once more state that this account can not be transferred, sold, or be collected on under the FDCPA 2009 as the proper authorities have been notified.

FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. "

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 2018-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: RGS Financial, Inc.
State: LA

Complaint narrative:
I have had several account, that don't belong to me or that aren't correct. The accounts are as follows : RGS Financial acct # XXXX   Phone # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Original creditor ( XXXX XXXX  ) Never had this account, didn't sign for it or authorize this account to be issued.

XXXX XXXX Acct # XXXX Phone # XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX original creditor ( XXXX XXXX XXXX  ) I went into the ER and I had insurance, my insurance company, didn't notify me I had a small balance due. Nor did the service provider notify me via phone, mail or email, that there was a balance due. XXXX XXXX, didn't notify me of any debt, via phone, mail or email.In order to place a medical bill on a credit report, as a negative account, the debtor must notify and provide a certain period of time, to cure the balance prior to placing it on the credit file. Not notification of any kind was provided, to me as the consumer. Per the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collins Asset Group, LLC
State: GA

Complaint narrative:
I sent the XXXX XXXX XXXX a letter and they refuse to remove this debt from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I use Bank of america ATM to withdraw some money from my account, my bank account is a foreign institution name XXXX, on XX/XX/XXXX I used the ATM and tried to withdraw $ XXXXUSD, but the ATM automatically denied my transaction with the message " Exceed limits '' to withdraw. Due that I decide to take just {$200.00} and come back the next day. on XX/XX/XXXX I tried to get my remaining funds to complete the $ XXXXusd but this time the ATM said I didn't have the funds to dispense the money. 
I contact my bank and they said that a transaction of {$540.00} was approved on a ATM, I dispute that charge since that day but my bank ( XXXX ) initiate the investigation and a result bank of america did approved the transaction but the ATM no/no release the money. I been trying to resolve this matter with bank of america but they just don't help at all, many phone calls and visits to the branch were the ATM is located but they saying they don't have any record of my transaction and they don't give the money back is already been almost 2 months and I have not resolve this issue with Bank of America. My bank already make a dictamen saying that bank of america approved the transaction they will not do anything else. Bank of America ATM or someone in that branch keep the money and now they dont release to me.

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 2018-04-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have sent many letters to the credit bureau and they didn't remove the credit alert which prevents me from applying for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY

Complaint narrative:
Carrington Mortgage Services {$120000.00} Opened XX/XX/XXXX Closed ( paid off ) XX/XX/XXXX This was paid in full, however is still showing " open '' on my report. I contacted Carrington and was told that they had already reported it as " closed ''. I have received all paperwork stating the payoff, returned balances of escrow accounts in form of checks, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I took out private student loans beginning in XX/XX/XXXX that came to total {$20000.00}. By the time I graduated and once my grade period had ended I began paying those student loans in XX/XX/XXXX. My monthly payments have been between $ XXXX- {$250.00} every month since then. Over the past 7 years Ive experienced financial hardships ( putting it lightly ) due to the high cost of living + my student loan debt. I attempted multiple times, begging and pleading to the point of tears, literally while on the phone with Navient, to please help me lower my payments. I asked if I could refinance By releasing my a co-signer and they said Yes, after making 24 consecutive payments. 24 months went by, payments made without missing a beat! I was so excited to call and have my co-signer released and my payments lowered after making so many payments! Heartbreakingly I was told that I did not qualify to have said so-signer released or my payments lowered due to my credit, which was actually GOOD at the time ( worth mentioning : my co-signer also had good credit ). Theres never any help other than deferring my loans or putting them into forbearance for a month or two at a time, which only makes the situation worse in the end because of more capitalized interest. I was late on payments some months, but not by much due to Navients borderline harassment phone calls collecting payment. I would be less than a week late and still receive calls multiple times a day, many Saturday afternoons and Sunday evenings. Ive tried so many time over the years to have my payments lowered, all to no avail. Theres never any valid or explained reason other than I just have the lowest payments available already. Heres the kicker- Ive made 72+ payments worth $ 230+ and I still owe {$17000.00} ... thats only {$2500.00} less than what I originally took the loan out for ... 7 years after consecutive payments!!! One interest rate is 11.25 % and the other is 6.25 %. Believe me, Id love to throw larger amounts of my measly paycheck at this balance every month, but HOW?! Im barely surviving as it is. Ive worked steadily 3-4 jobs at any given time over the last 4 years trying to make ends meet. Navient has done absolutely nothing to help me ... Theyve actually done the complete opposite and have seemingly deliberately made life more difficult for me. I dont know what to do any longer. I feel like Ill be paying these for the rest of my life with my incredibly high interest rates and lack of support from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I AM A VICTIM OF FRAUD. I HAVE A 90 DAY FRAUD ALERT ON MY CREDIT FILE. I HAVE INFORMED EQUIFAX THAT THE FOLLOWING INQUIRY IS UNKNOWN AND UNAUTHORIZED WITHOUT RESOLUTION. I HAVE ATTEMPTED TO CONTACT THE COMPANY WITHOUT RESOLVE VIA CERTIFIED MAIL ON 2 INSTANCES. EQUIFAX HAS NOT VERIFIED THIS INFORMATION IS CORRECT, YET IT CONTINUES TO BE INCLUDED IN MY FILE. INQUIRY ON XX/XX/17 FROM XXXX XXXX XXXX. I ASK THAT YOU REMOVE THIS UNAUTHORIZED INQUIRY FROM MY CREDIT REPORT WITH YOUR BUREAU, AS I DO NOT BELIEVE THERE IS ANY PERMISSIBLE PURPOSE PER THE FCRA WITH THIS UNKNOWN BUSINESS ENTITY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
this account does not belong to me, i have never been at this hospital, this company has harm my credit report, and score for false information about me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11 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: NY

Complaint narrative:
XXXX/XXXX Inquiry XX/XX/2017 I do not recall giving the above company permission to access my credit report from Transunion or any other credit bureau, I request proof, rather it is my signature, or voice recording giving my premission to access my credit bureaus

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 2018-04-11 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: DISCOVER BANK
State: CO

Complaint narrative:
I have been a discovery customer for 3 years and during that time, I have enjoyed my experience with discovery credit card immensely. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have three late payments on the above referenced accounts from XX/XX/XXXX to XX/XX/XXXX. Since that time I have been an exceptional customer paying early every month because of my exceptional payment history over the last 3 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was going through some financial struggles. I recently had a baby and not to long before that I had an accident at work leaving me with medical bills that I personally had to pay due to some misunderstanding between my employers insurance. At only XXXX  years of age I am only human, I am bound to make mistakes especially when it comes to finances and credit. I say that not to justify why my payments were late, but rather to show that the late payments is not a good indicator of my actual credit worthiness. I hope that you guys are willing to work with me on erasing these marks from my credit reports.I have been a very happy customer in the past and hope to continue a long relationship with my discovery credit card. With today 's credit industry so competitive, I know how important it is to maintain good relationships with customers. Discovery has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why discovery is heads above the rest. I look forward to your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
I have already filed a complaint and received their response. They are unwilling to work with us to repay the property taxes that they paid.

We have been working with an outside institution to try to obtain the funds required to stop the foreclosure.

I am very concerned that if I get what they say is needed they will have changed the amount and not notified us.

The Law Firm was unable to give an exact amount needed and it took several contacts with Ocwen to get someone to respond with an amount.

We are reaching the deadline and I want to make sure they have not changed the amount or the rules.

They sent letter dated XX/XX/2018 that the amount required to stop foreclosure was {$3100.00}.

Can you contact them on our behalf to make sure they are sticking to this amount because if they have changed this amount our attempts to obtain funding will be in vain and they did not notify us with a formal letter of any increases or changes and they would not have given us enough time for any adjustments.

If they did change any amounts due without notifying us would they not be in violation of the fair debt responsibility?

If possible can you contact them on our behalf and get back to us asap?

Ocwen Reverse Mortgage Servicing Dept Loan # XXXX  ( XXXX ) XXXX office ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX  ( XXXX   ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: TX

Complaint narrative:
After paying a {$200.00} payday loan in full XXXX XXXX created a line of credit for XXXX dollars using information from my payday loan file. It was unauthorized and now XXXX XXXX is attempting to force me to pay. Attached is their paperwork which does not bear my signature or contain my correct banking information on the so called contract.

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 2018-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
Medicredit XX/XX/2013 {$360.00} they have this account as a chargeoff/collections I have contacted this company six times and asked them to send me a contract or any documents showing I had services here and they have not. Also I have disputed this with all three credit bureaus

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 2018-04-11 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barkleys bank Tinquiry XX/XX/2018 I have contacted all three credit bureaus and disputed this also I contacted company and disputed this inquiry

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 2018-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I made a mobile deposit through the Chase app at XXXX Pacific Time. Chase states that XXXX Pacific time is the cutoff for deposits to be available the next day. Therefore funds would not be available for two days, until XX/XX/XXXX. My complaint is that if they consider anything after XXXX Pacific the start of the following day, this random time should similarly be the cutoff after which pending funds should be credited. But it's not. Because they held my money for literally two days I was then charged an insufficient funds fee of {$34.00} in another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: NJ

Complaint narrative:
I opened a dispute XX/XX/XXXX with Experian and requested deletion of a collection account because it was illegally reporting. I informed EX and provided evidence that the collection company received my timely response to the dunning letter in which I disputed and asked for validation of the debt they were claiming. The CA was not showing on my credit file XX/XX/XXXX,  the day they signed the CMRR. The CA ignored my validation request but instead, on XX/XX/XXXX, violated FDCPA laws by placing a new listing on my Experian credit file with remarks stating " dispute investigation complete-consumer disagrees ; >placed for collection ''. The law is clear that the collection agency was to cease all collection activity until they responded to my request. The mere placing of the account on my report was illegal because it constituted collection activity. The comments in the " remarks '' field was also a FDCPA violation and does not meet FCRA requirements as stated on my file ; the verbiage in that field is reserved only for an existing collection account when the consumer has not timely requested validation. Placing the comments in that field was a violation because it was a newly added tradeline and furthermore, there was no completed investigation for me to disagree with because the CA ignored my demand letter. 

Additionally, I informed EX that I spoke with the company that the collection agency lists as the original creditor and was informed that there was no account in my name that was in collections. I have evidence to support. 

Experian delivered results of my dispute in 3 DAYS, on XX/XX/XXXX claiming that the data furnisher certified that all the information is accurate and the account remains unchanged. I have every reason to believe there was no investigation. 

At this point, EX has violated my rights under FCRA because it is illegally reporting inaccurate information. The fields showing original amount owed and recent balance are false. The implication that I paid the collection agency {$50.00} is false, the date of last payment is false. I provided Experian with copies of the signed CMRR and the letter to the collection agency requesting validation.

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