vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have contacted XXXX  for a year now with disputes - they have not resolved this they only send a generic message - FTCA guidelines etc - which is false and inaccurate. They have a company on my credit report XXXX XXXX  whom I have called and verified they have a totally different XXXX XXXX with a social XXXX which is totally not my social nor information- this clearly shows fraud but yet they keep saying its mine. This is my fia attention before The Law office working in this files charges against them - When calling this company you can not get through it takes weeks - after getting through they before its my name and similar XXXX but not my social or ID!!! They have failed to provide documents that confirm this is me, signed paperwork required by FTCA. I have nothing but false reporting in my report -

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 2020-07-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
From XXXX I was Amazon customer, I used the Amazon online to buy products, but in the end of XXXX, I closed the Amazon account without any outstanding dues. 

Later in XXXX and XXXX, I started receiving statement from Synchrony Bank/Amazon asking me to pay {$7.00} XXXX including fee, interest, card security fee ). I never asked for Synchrony Bank/Amazon Card/service, I never used this card to buy products nor I need this card, all of a sudden I started receiving statement from Synchrony Bank/Amazon, when I am not connected with them nor availed their service.

I contacted the Synchrony Bank/Amazon, they asked me to provide my Identity ( including my SSN ), but failed to provide me the reason for the statement as well as refused to cancel/terminate the card account, which I no longer require and zero down the outstanding amount which I do not owe.

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 2020-07-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: KY

Complaint narrative:
I notified Sallie Mae in XX/XX/2019 that I was enrolled in a university program by uploading the documents they included on their website once my university filled it out confirming my enrollment status and what dates I was likely to be enrolled. Sallie Mae sent me a generic rejection letter on XX/XX/2019 ultimately saying that the form -- their own form which was completely filled out -- was rejected for possibly a number of reasons. So after a call to them I discovered that the reason they rejected it was because the school official electronically signed the paper instead of paper signing it, even though they maintain an option to upload this document electronically and give no upfront mention of this requirement ahead of time. They have still been charging me and I have been paying them until recently when the pandemic started to negatively affect my finances. So, in XXXX of this year I had the form redone but this time Sallie Mae rejected it stating that it wasn't filled out by an authorized school official -- -even though the same information was included on the previous one as well. Requiring someone to go in person to the school, even though all my classes are online and all my other business for the school is done electronically, for a signature that can be obtained multiple ways with our technology is unnecessarily reckless and dangerous in the current pandemic. I accuse them of being predatory by refusing to acknowledge my in school enrollment on their own completed form and of continuing to charge me for loans that should've been deferred months ago.

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 2020-07-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated
State: GA

Complaint narrative:
My card was stolen and I reported the card on XX/XX/XXXX and I received my replacement card last week however the funds in my account have not been deposited since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2020-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My Bluebird account with American Express is locked and I am unable to contact customer service to unlock it. I tried to log into my account online to change my PIN number, but I am getting a message the account is locked. When I tried to contact customer service to unlock it, I was unable to reach anybody.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06 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: AZ

Complaint narrative:
Please see complaint XXXX dated XX/XX/XXXX. 
In response to the complaint referenced above, Experian did NOT resolve/correct the errors on my report. Once again they sent me an email on XX/XX/XXXX stating the dispute had been resolved ( attachment # 1 ). They also sent me a letter dated XX/XX/XXXX stating that the dispute had been resolved ( attachment # 2 ). In fact, the dispute had NOT been resolved. In the abbreviated reports included with the email and letter, Experian deleted information for XXXX rather than correcting it. They further deleted information for XXXX & XX/XX/XXXX from one of the accounts. This information was deleted without cause or reason and is an act of fraud on the part of Experian. Again, they willfully, deliberately and intentionally falsified information on my credit report. Further evidence of Experian 's failure to resolve the dispute is provided in the full credit report of XX/XX/XXXX ( attachment # 3 ) in which the erroneous information of my allegedly being late on 2 accounts remains. Further, an address with a street name that has never existed still appears falsely. And if this was not enough, the cover letter of XX/XX/XXXX gives erroneous reasons for my filing the disputes, specifically that I had asked for a name or social security number to be removed which is not true.

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 2020-07-06 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2020-07-06 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: TX

Complaint narrative:
all ftc violations enclosed : XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX/XXXX  XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account XXXX Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX ( all ) Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Credit Card Opened by the Thief Company or Organization : XXXX  ( all ) Credit Card Opened by the Thief Company or Organization : XXXX  XXXX XXXX  NEED MY CREDIT TO UNLOCK TO SEE ALL THE INFORMATION COULD BE MORE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: Experian Information Solutions Inc.
State: AP

Complaint narrative:
Experian allows inaccurate reporting on my credit profile on a account that has been fraudulently reporting on my report. The account has been reported closed and paid in full numerous times and has never been reopened. In the last 6 months it been closed now reopened with a monthly payment but zero balance. Ive already disputed this account and showed that I havent open or reopens this account and although its been closed Experian allows their customer to report it open multiple times and add Monthly payments. This account being magically reopened is a negative on my report.

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 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax has continued to report inaccurate information on my report. I have dispute for a year and now hired a law firm. They send generated messages XXXX verified which is a lie because I have NEVER received signed documents or original, or any paperwork for that matter that is required to prove my federal law. I have requested help from them, PROOF and nothing but generic responses. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX were stolen from me. I have sent requested fraud reports 3 times to collections companies and they say they dont get it. Its a run around game and I am now seeking legal help. I have not received anything from them but lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've sent out multiple dispute letters to the credit bureaus to which I am not receiving any responses for. I sent one on XX/XX/XXXX and I've sent another one on XX/XX/XXXX. I guess technically they have a few days left to respond to the ones on the XXXX, but considering they didn't give me any notices from the XX/XX/XXXX ones, I don't trust them. What can we do to have them do their jobs? This stuff on my report is not accurate and I need it removed immediately.

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 2020-07-06 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Recently, I disputed the validity of an alleged collection account, with Portfolio Recovery Associates, and " XXXX XXXX XXXX XXXX', which appears on credit reports with XXXX, XXXX, XXXX, and XXXX. This is an error. I contacted Portfolio Recovery, on XX/XX/19, via Certified USPS Mail XXXX XXXX XXXX, to dispute the account and balance, request a transfer of debt, and other information. On XX/XX/19, I did receive a response. However, Portfolio Recovery, did not provide any requested materials, or attach any documents, whatsoever, only a statement from their Disputes Department. I again contacted, Portfolio Recovery, on XX/XX/19, via certified USPS ( XXXX ), signed for by XXXX XXXX, on XX/XX/19, stating this response was unsatisfactory, and demand material evidence. Portfolio Recovery, never responded. In spite of failing to honor my request to provide the information, or delete the alleged account under the Fair Credit Acts,  Portfolio Recovery, and XXXX, continue to report this account in error to credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06 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: TX

Complaint narrative:
all ftc violations enclosed : XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXXXXXXXXXX  XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account XXXX Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX ( all ) Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Credit Card Opened by the Thief Company or Organization : XXXX  ( all ) Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX  NEED MY CREDIT TO UNLOCK TO SEE ALL THE INFORMATION COULD BE MORE

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 2020-07-06 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: NY

Complaint narrative:
I asked for a reinvestigation into an incorrect account, XXXX # XXXX. It is my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I asked for the names and phone numbers of the managers that verified the items. You denied my right and instead stated you previously sent papers verifying such information. The paperwork you sent was never received prior to that date from the creditor. This does not verify the information on the account. On the paper transunion provided it states I owe somewhere over XXXX USD. However, its being reporting around XXXX USD. This account is incorrect as I have been complaining and as the credit reporting agency you are Deliberately violating my rights. On or around XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX you also failed to respond within the 30 days time. In fact, lied and stated you never received correspondence. Its is my right to have this item removed because it is not properly verified.

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 2020-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I can not make a payment online for my mortgage with Freedom Mortgage. It continues to happen month after month. After I log into my account, a pop up shows up and says I qualify for a lower rate and says I can either call to find out more about it or " Continue to My Account. '' Every time I click " continue to my account '' it recycles the page and pops up the window again without letting me have access to the online payment. Therefore I am not able to make my payment online unless I try over and over and over again. This month, I have not been able to get past the gauntlet. It has prevented me from making my payment on multiple occasions. I've tried calling the number on the pop up to tell them what is happening, but the phone number only connects to the refinance department and they transferred me to another number that disconnected. This happened on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am trying to make my payment on time but can not access the online payment option that is advertised by Freedom Mortgage. I am attaching a copy of the image that pops up repeatedly online when I log into my 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 2020-07-06 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: NY

Complaint narrative:
I have filed paperwork for these companies showing fraudulent late pays on my credit. Even after it was fixed they added another negative during a PANDEMIC! This is outrageous and totally not fair. these companies need to be investigated and removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've sent out multiple dispute letters to the credit bureaus to which I am not receiving any responses for. I sent one on XX/XX/XXXX and I've sent another one on XX/XX/XXXX. I guess technically they have a few days left to respond to the ones on the XXXX, but considering they didn't give me any notices from the XX/XX/XXXX ones, I don't trust them. What can we do to have them do their jobs? This stuff on my report is not accurate and I need it removed immediately.

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 2020-07-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've sent out multiple dispute letters to the credit bureaus to which I am not receiving any responses for. I sent one on XX/XX/XXXX and I've sent another one on XX/XX/XXXX. I guess technically they have a few days left to respond to the ones on the XXXX, but considering they didn't give me any notices from the XX/XX/XXXX ones, I don't trust them. What can we do to have them do their jobs? This stuff on my report is not accurate and I need it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
XXXX  has continued to report inaccurate information on my report. I have dispute for a year and now hired a law firm. They send generated messages FTCA verified which is a lie because I have NEVER received signed documents or original, or any paperwork for that matter that is required to prove my federal law. I have requested help from them, PROOF and nothing but generic responses. 

XXXX XXXX XXXX  & XXXX XXXX cards were stolen from me. I have sent requested fraud reports 3 times to collections companies and they say they dont get it. Its a run around game and I am now seeking legal help. I have not received anything from them but lies.

Company response to consumer: Closed with explanation