vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-05 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: Midwest Recovery Systems
State: HI

Complaint narrative:
I filed a dispute with XXXX XXXX XXXX on XX/XX/19 regarding Midwest Recovery Systems alleged collection for {$1000.00}. XXXX notification response indicated the collection is accurate. 

I contacted Midwest Recovery Systems today on XX/XX/19 and reported this is false and identity theft as I have never opened this type of account. I also requested hard copies of the original contract to review for myself the validity of this as I know I did not apply or take out this type of loan. The company kept transferring me and did not respond with the information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: NY

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 2019-03-05 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: NY

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 2019-03-05 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: NY

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. 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 2019-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: AL

Complaint narrative:
I work for a public employer ( XXXX XXXX   XXXX  ) and am enrolled in the Public Service Loan Forgiveness program. I submitted documentation to XXXX XXXX  on XX/XX/XXXX ( an Employment Certification Form ) showing 95 months of qualifying employment. These months have not been credited. I have called multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) attempting for find out why this extensive amount of employment has not been credited. Each time I was told it was " in processing '', " under review '', etc. Basically, the runaround. I have also submitted documentation for an additional 11 months. 

Because they refuse to review the documentation submitted per their requirements on XX/XX/XXXX, I am unable to get relief. I am now approaching 120 months of qualified employment and should be eligible for relief under this program. 

I would like for them to review the employment certification submitted on XXXX/XXXX and credit me for those months of qualified employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: CA

Complaint narrative:
I am a victim of Identity theft and it has been an absolute nightmare trying to get back on track and get my life some what back together. That said, the bureaus are not making the process any easier. I have sent them a stamped copy of my police report, a notarized statement and a fraud affidavit payment and to my dismay the fraudulent entries still remain. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I got a call 10 to 12 years ago from XXXX XXXX XXXX, XXXX that I owed something about {$5200.00} including late fees I told them I dont have credit card from Wells Fargo Bank and i hadnt live XXXX since 12 months ago after talking with manger and I will not file complaints if they remove It after that I didnt get call until few days ago I got bill that I owed {$9100.00} that I can make payments It seems XXXX didnt remove It and they arent willing to do so I will file complaints now also I dont know if this account in my credit report please help to remove It.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
Byrider Financ, LLC XXXX XXXX XXXX. 
XXXX, OH XXXX On XX/XX/XXXX I purchased a XXXX XXXX XXXX from the above company, with the understanding that I was buying it at fair market value, But 3 years 7 months later they still say theis is close to {$3500.00} still owed on the car and I've been paying {$170.00} every two weeks since the loan was taken out, On XX/XX/XXXX They repossessed the car they financed On XX/XX/XXXX I paid what was owed at the time of the repossession plus two weeks in the amount of {$1000.00}. 

After the money was received I was given a phone number of a towing company which would not take my call saying their lot closed at XXXX XXXX XXXX. So I have been unable to contact the lot where the car is suppose to be. 

They sent me a receipt for the payment on XX/XX/XXXX, stating that it would be at least 7 days for the car to be returned. That was in order for them to put a tracing device on the car so they can keep track of where the car is. I am pretty sure that they already had a tracing device on the car or how would they have known where the car was when they repossessed This was my only way back and forth to work and I have had to rely on someone to get me back and forth to work for the past three weeks. 

They did not give any for warning they were going to come and get the or I would have removed several items of importance to me from the car. 

Then on Monday, XX/XX/XXXX they e-mailed me to let me know that a payment was due on XX/XX/XXXX. I feel that this was very inappropriate as the car is not in my possession yet they want a payment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: NY

Complaint narrative:
XXXX XXXX XXXX aggressively advertises loans for witch you can apply without credit report impact. Once you do, an an operator will try to coax you into applying for a secured loan you get a hard inquiry on your report. This is false advertisement and hurts consumers.

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 2019-03-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: COAST PROFESSIONAL, INC.
State: ID

Complaint narrative:
I have been paying Coast Professional INC {$100.00} a month for 7 years. Every 6 months they call me to get my authorization to continue to collect the $ XXXX monthly. When they called me two months ago in XX/XX/2019 I gave them my authorization but they needed me to repeat my checking account info of which they already had. I told them that if they called me when I got off at 6 I would provide them with it but they never called. I called them twice in the last two month with no call back from them. This past Friday XX/XX/19 they garnished {$300.00} with a total of {$600.00} per month although I was never in default with them and have paid on time every single month. I attempted reaching out to them XX/XX/19, XX/XX/19 and XX/XX/19 but was put on hold for 20 minutes then transferred to their voicemail. I have been in good standing and would like Coast Professional to do what it right, take ownership that they did not call back and let me continue to pay my student loans appropriately. I would also like to state that my balance has remained the same ( {$17000.00} ) for the entire deration of my time paying them. How can a persons loan never go down if they are paying {$100.00} every month?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: BANK OF NEW YORK MELLON CORPORATION, THE
State: VA

Complaint narrative:
I lost my wallet which included my XXXX  XXXX  debit card # ending XXXX along with other card accounts and pin numbers, while out running errands back in XXXX. While lost someone found my wallet and proceeded to make unauthorized atm charges on my account on XX/XX/19 in West Virginia. I live in VA and spend a lot of time In NC but rarely if ever travel to WV. I reported the fraud and the bank refused to honor my fraud claim and refund the charges.

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 2019-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
On XX/XX/ 2019 Mr. XXXX ' wife, XXXX XXXX, contacted XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX in XXXX, FL, via telephone to ascertain what the procedure was for a repair to one of her rings. Soon after we received a letter that our account had been closed upon calling the financing Company XXXX XXXX  we were advised that the card we have had with XXXX XXXX for 5 years + and an account in good standing had been closed by us, upon re-battle the statement XXXX XXXX  Representative made up, to the point that they mentioned we had apply for financial hardship which it was incorrect, they also implied that I XXXX XXXX had called and not advised my wife ( which that is impossible as she handles ALL the household financials and just keeps me up to date ). A few days later come to find out that another account had been opened on XXXX XXXX2019 under my name with a credit limit of {$5100.00}. A charge was then also made via XXXX XXXX  online in the amount of {$5100.00}. I attest and swear under oath if needed that I XXXX XXXX nor XXXX XXXX requested for our current XXXX XXXX account to be closed nor have ever requested to open a new account. We the XXXX 's wife and husband have spoken with several representatives from XXXX XXXX and have opened a fraud account with their card services provider, XXXX XXXX XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX Account # XXXX Social Security No. : XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MO

Complaint narrative:
XXXX XXXX XXXX lied to me about my previous employer, XXXX XXXX being a qualifying company for the loan forgiveness program. I have the paperwork that they sent to prove it, along with the apology letter, stating they made a mistake.I would like those those payments reinstated as qualifying.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY

Complaint narrative:
One Main Financial aggressively advertises loans for witch you can apply without credit report impact. Once you do, an an operator will try to coax you into applying for a secured loan you get a hard inquiry on your report. This is false advertisement and hurts consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
During most of XX/XX/XXXX and XX/XX/XXXX, I would make my monthly loan payment and pay extra towards the principle amount of my loan. Santander Consumer Loans decided to take the additional money paid and put it into an Misc Fees and not apply it to my principle. It took months of phone calls, lies from representatives, and numerous arguments until I took my statements to my bank and called with a bank representative. It was not until then that my account was rectified. Now XX/XX/XXXX, the same issue is happening. I get told that " if I pay a day early, I get charged more interest '' or " we have no obligation to apply your payments they was you wish ''. I have a payment in XX/XX/XXXX with {$90.00} towards principle, XXXX towards interest, {$30.00} towards fee payment, and {$83.00} towards another fee payment. That's just the beginning of dealing this scam company. Please help. They truly need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX Account # XXXX Social Security No. : XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sequoia Financial Services
State: CA

Complaint narrative:
XX/XX/2019 Sequoia Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : Sequoia Financial Services Account # XXXX Social Security No. : XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

Sequoia Financial Services did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
The letter states that I had an ambulance ride on XX/XX/2013. I have never been in an ambulance in my entire life. I asked the company Phoenix Financial Services where this individual was taken from ( address ), where they were taken ( address ), what time of day, provide other information that was given to the individuals other than a name and date of birth ( such as social security number, race, age ... ) and other information which they could not provide. I feel as if this is a scam and they are just trying to get me to pay money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Today : XX/XX/2019 I went onto XXXX and noticed two unauthorized hard inquiries on my credit report. 
First company reported hard inquiry XX/XX/2019 from : XXXX XXXX, FL XXXX ( XXXX ) XXXX Second company reported hard inquiry XX/XX/2019 from : XXXX XXXX, DE XXXX ( XXXX ) XXXX I never authorized either of these two above companies to check my credit. I haven't tried to get a new line of credit, whatsoever. I contacted both of the above companies directly and the calls where an automated advertisement company offering products. I have no information on how to get in contact with these false companies to address this issue and I'm concerned my credit may become jeopardized if this is not taken care of soon.

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 2019-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I've been receiving emails from Chase, my checking account is there. I've been enrolled without my permission into something call XXXX  XXXX  from Chase and they transferred me 6 times and disconnected me. They keep telling me this has nothing to do with the Chase. Yet the emails are coming from Chase. They claims I have to call XXXX XXXX to resolve this issue. This has nothing to do with XXXX XXXX and there is no place for me to unsubscribe. I'm very upset with the way Chase has handled this matter.

Company response to consumer: Closed with explanation