vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
Dear CFPB, I have recently requested my credit reports from the credit bureaus where I found three inaccurate and unathorized accounts on my credit profile from COMMONWEALTH FINANCE each in the amount of {$1100.00}. These accounts were removed XXXX of 2018 after contacting the XXXX, by the collector and has been replaced by said debt collector. I have contacted the to XXXX  regarding these accounts and submitted police reports of identity theft to the previous collector. I have also requested proper documentation to validate said debts. The collection agency has failed to provide satisfactory proof that I own this debt. under FDCPA, if the collection agency doesn't validate the debt, they are no longer to report to the credit bureaus or contact me about said debts. 

These accounts are not only hindering me from getting credit, they are seriously hurting my credit profile I should not have to suffer because of identity theft. I am asking for your assistance in getting these medical bills deleted from my credit report. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I had federal loans for my XXXX degree ( XXXX University ) from XXXX, then my XXXX degree ( XXXX XXXX University ) from XXXX. I have been working for a XXXX company since XXXX, BUT Navient told me that Did Not not count for Loan Forgiveness. I had been paying income based payments to Navient since XXXX. I also Did Not Know that you could Refinance your student loan. I just transferred my loan to a private lender in XXXX for a lower interest payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
capital one bank usa na # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Ut XXXX XXXX XXXX XXXX I am a authorized account // I didn been late at this account ... and I got in my report that im late for 30 days /// and they will removed by XX/XX/XXXX I need that information removed on my credit report I have a excellent report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: VA

Complaint narrative:
I sent a payment thru the mail and When they processed it They Withdraw {$380.00} and That emptied out my checking account!! I contacted the customer service number and I was told Their expedited my refund in one to two business days!! I spoke to supervisor everyday!!! When that happened to me I started calling back every day and getting the same answer it's been taken care of!! Finally it was processed on the Third Day with the Stipulation that now I have to wait another one to two business days!! So on the Fifth day I contacted Executive office and spoke with associate and they said they would investigation because I owed family for over draft protect of {$300.00}!! I owe co-workers money for gas to go to work!! I needed {$100.00} for life savings medicine!! Ten days later I get refunded for the wrong transaction of my payment!! The associate contact me stating she would handle the extra money I had to acquire because my checking account has been emptied out!! No one has made any progress to pay back my extra expenses because of the company mistake!! I have written to the CEO of the company and theirs been no response yet?? I need someone help with this unwanted financial Burdens!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I filed a dispute with Navy Federal Credit Union ( NFCU ) at my local branch on XX/XX/XXXX for an unauthorized amount of {$320.00} which appeared on my credit card statement on XX/XX/XXXX ( see attachment ) .. NFCU never replied -- by phone or correspondence for this charge that was placed on my account on XX/XX/XXXX, despite frequent phone calls and inquiries from me to resolve this matter. By FCRA and CFPB, NFCU was supposed to send me a letter stating that they were in receipt of my billing dispute within 30 days, and they were supposed to complete their investigation within two complete billing cycles of receiving the dispute ( which generally means two months ) and can not take more than 90 days -- this did not happen. When I contacted NFCU on XX/XX/XXXX to inquire of the status of this dispute, they " supposedly '' were preparing a letter, but six weeks  later I never received a letter. Also, none of NFCU 's Customer Service Agents can " read '' me a letter or " email '' a letter to my email address because nothing was ever prepared or sent.. The funny is that I have been receiving promotional offers and my regular billing statements from NFCU with no problem, but this letter from their Dispute Department " keeps getting lost '' ( so they say! ). They were supposed to investigate and respond by XX/XX/XXXX, and now it is over 130 days since I submitted my dispute. When I contacted NFCU on XX/XX/XXXX, the CSR " offered to resubmit my dispute '', but I refused since this dispute which was opened on XX/XX/XXXX, is clearly in my favor because of NFCU 's failure to respond AND correspond to my dispute in a timely manner as required by FCRA and CFPB. 

For these reasons and by my consumer rights, I am demanding that this unauthorized and fraudulent charge of {$320.00} be corrected and removed from my credit card statement and to credit my account with {$320.00} and any related finance or other charges, and send a correction notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: MO

Complaint narrative:
I tried to open an account with the Robinhood app when they said my Social Security number is already in use and that I " already have an account '', I don't. I found out that my ex-husband has opened the account without my knowledge. The company, Robinhood ; will not give me any further information and are not being cooperative in this identity theft case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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:
I have for nearly 2 years to get Transunion to update my bankruptcy records accurately in my credit file. To date my information is still incorrect. Here is proof from a creditor that I no longer have a debt with them. Please help me in demanding the credit bureau to update this information. My only open derogatory/negative account currently is for XXXX XXXX. XXXX XXXX is a very old creditor which the bureau refuses to update as discharged or delete entirely from my file. This is unlawful and I have began the litigation process.

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 2019-05-31 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:
On XX/XX/2019, I sent a letter and information via certified mail to XXXX, XXXX, and Transunion. I disputed a collection from XXXX XXXX in the amount of XXXX that appeared on my credit reports. The dispute was based on the fact that XXXX XXXX never proved debt validation and was in violation of the FDCPA, section 809 ( b ) So, I asked XXXX, XXXX, and Transunion to investigate the matter and the results came back verified. Next, on XX/XX/2019 I exercised my rights under 611 ( a ( 6 ) B ( iii ) and requested XXXXXXXX XXXX, XXXXXXXX XXXX, and Transunion 's method of verification and it came back verified again. 

XXXX, XXXX, and Transunion failed to provide their method of verification for XXXX XXXX # XXXX as requested on XX/XX/2019, under FCRA guidelines. I believe this account should be deleted because XXXX, XXXX, and Transunion all failed to comply with the FCRA 611 ( a ) ( 6 ) B ( iii ) They did provide a single document bearing my signature, showing that I have a legally binding contractual agreement to pay XXXX XXXX the XXXX that was allegedly owed, neither did they provide specific names, addresses, or telephone numbers of persons contacted regarding this alleged account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: GA

Complaint narrative:
Equifax refuses to work with me to remove fraudulent information being reported on my credit report. I have been working with them sinceXX/XX/2019 with no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
Several people were called including myself we were threaten called names, harrassed repeatedly every day with calls from a private number indentfying there self as Diversified consultants they would call and threaten to take legal action and shared personal information concerning who they were calling about to the people who they placed a call to trying to contact a certain person in all they contacted about ( 4 ) different people daily we all were harrassed and threaten by diversified consultants daily we asked them to stop calling and they did not stop with the calling this issued bothered me so much becuase its one thing to harrass but to threaten me is crazy I would have been more cooperative had they would have not threaten me and my family

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I, as usual, wanted to check my credit score back in XX/XX/2018 and discovered that I had a debt with XXXX XXXX XXXX of {$730.00} and that it was never paid. I never had any accounts or solicited the credit card, so when I called the XXXX XXXX XXXX Customer Service explaining that someone opened the account under my name but with an address from NY and it was a case of identity theft. What they did was give me the address to send all the request docs as proof. 1 week later I sent all the docs via fax and mail. What they did was updating my information and started sending letters asking to collect the debt. I never received a call from their fraud department investigating the fraud. I decided to call them at the end of XX/XX/2018 and they told me that they no longer had access to the debt and that my account had been transferred to a debt collector agency - Resurgent.

Resurgent Collection Agency contacted me by XX/XX/XXXX of last year and they were very responsive about getting paid but never with the intention of giving me the necessary information to solve the problem.Two months later, after going thru the process of disputing the debt they came to the conclusion that it was a case of identity theft. They were supposed to foward all the information to XXXX XXXX XXXX. A few days later I receive a letter saying that they couldn't process any of the claim because it was no longer serviced by them and it ws in the process of being transfered.

I get back on the phone with XXXX XXXX XXXX and they can't do anything on the account because now it was now XXXX XXXX XXXX who had access to my account. I already sent the documents and they have sent more than 15 letters trying to collect the debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I spoke to someone regarding the purchase of an item. We reached an agreement and I sent him {$200.00} on the popular app, Cash App. After I sent it, he never replied and blocked me. This all happened XX/XX/19 from XXXX XXXX to about XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was checking my credit score on XXXX XXXX and noticed that I had a hard inquiry from XXXX XXXX XXXX/XXXX  From XX/XX/2019. 
Syncb XXXX, FL XXXX ( XXXX ) XXXX This is nothing I was aware of. I have no history of any credit cards? Im concerned that this might be identity theft. I just need to know what steps I must complete to get this resolved ASAP. 
Thank you in advance

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 2019-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery # XXXX {$310.00} Sent letters to the three major bureaus asking to investigate and provide verification of debt per FCRA. Portfolio Recovery fail to validate the debt belongs to me. 

Letters sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am attaching the paper trail with Certified mail receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: R & B Corporation of Virginia
State: AZ

Complaint narrative:
I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from Credit Control Corp which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine or valid. Due to this I did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. However, I reached out to this collection company to make the payment in exchange for it to be removed from my credit, which I was advised it would, yet it has only updated to a paid collection. When I reached out to find out why it was not deleted as advised, I was informed that I was told that so that a payment would be made. I would like this collection removed from my credit due to erroneous & deceitful collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX is trying to collect a Membership Fee on account 's that have been confirmed as closed by both XXXX 's ( ending XXXX ) and by Experian ( ending XXXX ). This is a fraudulent practice and could impact my Credit Rating.

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 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: NV

Complaint narrative:
I been getting turn down for employment due to an adverse action towards me and im not aware of any pending case towards me nor am i in any legal situations with any one. Please help me and give me information regarding this adverse avtion towards me. I believe the information is not accurrate and or incomplete.

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 2019-05-31 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: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Toyota Motor Credit Account # XXXX Date Reported Open : XX/XX/XXXX Date Reported Closed : XX/XX/XXXX This letter serves as a dispute pursuant to the Fair Credit Reporting Act ( " FCRA '' ) 15 USC SECTION 1681 et seq. 

Toyota reporting bureaus : XXXX, XXXX, and XXXX  that I made a late payment on a Auto Loan. 

I dispute this derogatory remark due to the fact that I was never late on a payment. The above named company has failed to provide proof of late payment and the amount of the payment. 

Toyota has to submit to me proof as to when then monies was received by them from me, and also the amount. Toyota also has to provide the their bank statement which supports any date provided as to what date the monies were received from me and were allegedly late. And also provide the required payment dates and late dates. 

1. Toyota has reported and has continued to report such derogatory remarks beyond the statute of limitation to report and continue to report such alleged late payment to the credit bureaus ; 2. Toyota has no permission from me to report any late payment to the credit bureaus without my written or verbal permission. I did not authorize any submission or reporting any alleged late payment to the credit bureaus in violation of FCRA section 604.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
This account does not belong to me. I have disputed it more than once it has cost me a lot of issues. I have not been able to properly care for my son. I have attached my id theft report below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31 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: GA

Complaint narrative:
My issue is with Equifax acknowledgment that I am a victim of identity theft. I have submitted documents required to have information removed from my credit file. I was told by Equifax fraud agent on XXXX XXXX, 2019 that accounts would be blocked and removed with Identity theft report displaying the accounts in question. I am reaching out to consumer financial protection bureau to assist me in resolving the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31 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: TX

Complaint narrative:
FTC violation inaccurate information showing on credit. Violation FCRA.

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 2019-05-31 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: TN

Complaint narrative:
I asked fedloan servicing to recount the number of eligible payments toward PSLF in XX/XX/2018, as their statement seemed incorrect, and they told me it was probably because some payments went into paid ahead status and that the recount would take 6 months. Now when I call ( XXXX, XXXX ) they say it hasn't been done and can not give me an estimate how long it will take.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This account does not belong to me. It has been a. big inconvenience in my life. I have attached my FTC report below to prove this account does not belong to me.

Company response to consumer: Closed with non-monetary relief