vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-12 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: TN

Complaint narrative:
Credit bureau Experian was hacked late XX/XX/2018 and failed to provide notice of compromised accounts. Disputes of inaccurate information still being validated when they know information has been compromised. 
XXXX  dispute has been on going for more than 6 months with no response from the agency.

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 2018-12-12 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: AR

Complaint narrative:
I am disputing all negative marks on my experian credit report due to the recent hack of account information in their system and their lack of informing me of this security breach.I had disputed these items but they came back verified, but are fraudulent accounts.

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 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I noticed that two credit cards were opened under my name in XX/XX/2018. I'm working with a financial counselor now to correct these mistakes as they negatively impacted my credit and I am now receiving statements regarding these debts. We filled out a report on Identitytheft.gov and contacted the credit bureau and creates a security freeze on my accounts. An account with XXXX is under my name now with a balance of XXXX and an account with Barclays with a balance of 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 non-monetary relief
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I lost my employment in XXXX ( at that time I was XXXX  years of age ), thus, I started Social Security at that time. I used all of my savings to supplement my Social Security in order continue to pay my bills and necessities. When it was obvious that I was running out of savings ( in XXXX ), I started a debt management service in an effort to pay all remaining debts. Synchrony Bank was the holder of 2 of my accounts ( Lowes and XXXX ). Both of these accounts were placed in my debt management program. Through the service, some of my credit card accounts have been paid in full, Lowes is one of those accounts. However, last month a collections notification was placed on my credit report from XXXX XXXX XXXX  for the Lowes account. XXXX XXXX was contacted, who then told me that I needed to contact XXXX XXXX XXXX, who then told me that I needed to contact XXXX  XXXX XXXX XXXX XXXX, who then told me that I needed to contact XXXX XXXX ... as you can see the tail chasing began to go on and on. Best that I can assume is that the amount still owing is for XXXX, but no one at XXXX XXXX XXXX ( indicated on the credit report ), XXXX XXXX XXXX or XXXX XXXX XXXX XXXX were able to give me specific information, yet they were able to place a collections notification in XX/XX/XXXX for an account that was actually paid in full in XX/XX/XXXX. Please note that XXXX XXXX XXXX XXXX continue to receive payments for the XXXX account from the debt management service each month and is scheduled to be paid in full in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I sent letters to the company on XX/XX/2018. The company did not follow my request! I asked for my contract or application bearing my signature. Or remove it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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:
XXXX  / Transunion / XXXX / XXXX  I am the victim of Identity Theft. 

The criminal completed credit applications ( over 47 ) using my Social Security number and someone else 's name and another person 's address. The credit bureau 's upon being contacted for credit checks by car dealerships DID NOT ( in protection of my information ) respond with facts - to the financial institutions by letting them know that this application 's information does not match with the social security number. THEY instead added the criminal 's information to my credit report. I now have several variations of my name listed, different dates of birth as well as false places of employment. My attempts to speak with them ends in them wanting me to prove these new names/addresses/date of birth are NOT mine yet the criminal did not have to prove anything - the criminal 's information did not match my factual information and yet the credit bureaus ADDED their info to my report. NOW they state it is up to me to prove who I am to have it removed. he credit companies will not review my report with me because I am unable to answer their questions. I am unable to because the information is no longer mine. One of the questions was : Out of the list of 5 places of employment please tell which two you worked at. I did not work at two of the ones listed and answered honestly and was told since I could not answer the question they could not discuss further the information on my report. THEY PUT THAT INFO there. They altered the truth/facts by copying info off a fraudulent application. 

They also did NOT notify me of the mass amounts of inquiries ( over 47 ) and purchase of 5 vehicles all within a matter of days of one another. 

Nobody should be adding information to a credit report that alters the person 's identity.

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 2018-12-12 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:
Experian / XXXX / XXXX  / XXXX I am the victim of Identity Theft. 

The criminal completed credit applications ( over 47 ) using my Social Security number and someone else 's name and another person 's address. The credit bureau 's upon being contacted for credit checks by car dealerships DID NOT ( in protection of my information XXXX respond with facts - to the financial institutions by letting them know that this application 's information does not match with the social security number. THEY instead added the criminal 's information to my credit report. I now have several variations of my name listed, different dates of birth as well as false places of employment. My attempts to speak with them ends in them wanting me to prove these new names/addresses/date of birth are NOT mine yet the criminal did not have to prove anything - the criminal 's information did not match my factual information and yet the credit bureaus ADDED their info to my report. NOW they state it is up to me to prove who I am to have it removed. he credit companies will not review my report with me because I am unable to answer their questions. I am unable to because the information is no longer mine. One of the questions was : Out of the list of 5 places of employment please tell which two you worked at. I did not work at two of the ones listed and answered honestly and was told since I could not answer the question they could  not discuss further the information on my report. THEY PUT THAT INFO there. They altered the truth/facts by copying info off a fraudulent application. 

They also did NOT notify me of the mass amounts of inquiries ( over 47 ) and purchase of 5 vehicles all within a matter of days of one another. 

Nobody should be adding information to a credit report that alters the person 's identity.

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 2018-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
We have our mortgage through Bank of America. We were told if we paid down principle to 78 % of the original amount that the mortgage insurance payments would automatically stop. We paid the amount in  XX/XX/2018 and the PMI never stopped. I called three times and was told it would happen automatically. I called a fourth time in XX/XX/2018 and was told I needed to apply to have the PMI cancelled, which I did then and it has since been cancelled. I was upset at being repeatedly given the wrong information and filed a complaint at my bank branch. I requested a refund of the overpayments and BOA now, a month later, says that will take months and will be subject to a HUD review since it was an FHA loan. This is frustrating since BOA repeatedly gave the wrong information and they refuse to fix the problem. I am also concerned this could a symptom of a bigger issue at BOA in regards to their ability to service mortgages correctly.

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 2018-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I have been contacted repeatedly on the phone, several times a week for the last few months by Harris and Harris, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, to collect a {$75.00} medical bill dating back to XX/XX/XXXX. 

This was part of a medical claim that was involved in a personal injury lawsuit, that was settled and PAID by a lawsuit I won to XXXX  XXXX XXXX XXXX XXXX XXXX in approximately XX/XX/XXXX. For some odd reason, this one bill was accidentally left off the entire group of bills. I have cleared this with the hospital, and they have it on their records that it has been written off as part of that settlement. 

Harris and Harris refuses to contact them to verify this, telling me it is my responsibility to take care of this debt. I can't even get past the initial introductions, as they demand my full name, address, birth date, and contact info before they even start to talk to me about anything. I have been harassed several times a week not for months with these calls, and finally today I told them I will be suing them if they continue to call..and it is their problem to call and verify the fact that this is not a legitimate debt and never was they are trying to collect on. 

XXXX XXXX XXXX won't call, they claim the Harris and Harris has to check with them, so I am stuck in the middle ... can someone help please, before I have to get an attorney?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: TN

Complaint narrative:
Credit bureau XXXX was hacked late XX/XX/2018 and failed to provide notice of compromised accounts. Disputes of inaccurate information still being validated when they know information has been compromised. 
Transunion dispute has been on going for more than 6 months with no response from the agency.

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 2018-12-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Multiple times I have contacted all 3 credit bureaus XXXX, XXXX, XXXX about the false collections showing on my credit for XXXX XXXX through a collection company called Ad Astra Recovery Service for XXXX. This collection is not mine and is from identity theft, the collection agency has been contacted and can't provide proof that this account is legally mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I noticed that two credit cards were opened under my name in XX/XX/2018. I'm working with a financial counselor now to correct these mistakes as they negatively impacted my credit and I am now receiving statements regarding these debts. We filled out a report on Identitytheft.gov and contacted the credit bureau and creates a security freeze on my accounts. An account with XXXX is under my name now with a balance of XXXX and an account with XXXX with a balance of 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 2018-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I was using an app called " XXXX  '' which allows people to sell stuff online. So I got in contact with someone who claims to be part of a company called " XXXX XXXX XXXX XXXX '' and she was selling an XXXX for {$170.00}. I got her number and email which we used to contact each other. Then I paid her through an app called " XXXX '' and she told me XXXX would hold the money until I receive the phone but I have not received it yet. She told me I would receive it Monday afternoon. She also gave me two different tracking numbers to track my package but I can't track them at all. I try to call her, but my calls are rejected. She doesn't answer any of my messages in both mobile and email. I already contacted XXXX  and they said transactions are on the spot payment so XXXX has already received my money and I have not received my phone and I have no idea where it is. Will you please help me? I will give her contact information when you respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX, 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 non-monetary relief
Consumer complaint received 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Over the last 6 years I have disputed 8 public records on my credit report that have pretty much destroyed my ability to obtain credit from any creditor using Experian. I have been denied credit over 10 times. I have made Experian aware that I was a victim of identity theft, provided police reports and notes of my own research as well as I sent proof and documentation from the other bureaus that did verification and removed the inaccurate information. In the past I have requested the method of verification used to verify the accounts and never received it. I called the Bankruptcy courts and was told that they do not report bankruptcies and that the information I provided could not be found in their system. I also contacted agencies that such as XXXX which is used for verification purposes and was not able to verify the information on my credit report. I have mailed another request for investigation Experian onXX/XX/2018

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 2018-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Received the following promotional email from Citi : Just make 3 XXXX purchases of {$30.00} or more now through XX/XX/2018. 

Citi Logo View in Browser XXXX XXXX XXXX Icon Cardmember since : 2018 | Account ending in : XXXX Citi Premier Card AN EXCLUSIVE HOLIDAY OFFER FROM CITI Gifts for them. Plus a gift for you. 

Learn how you can earn a onetime {$30.00} statement credit below. 

Man and his son sledding down a hill, next to a photo of a sled on XXXX. 

Earn a onetime {$30.00} statement credit after you make at least three XXXX purchases of {$30.00} or more each with your Citi card between XX/XX/2018 and XX/XX/2018. 

You will receive a onetime {$30.00} statement credit after you make at least three purchases of {$30.00} or more each at XXXX with your Citi credit card. Your purchases must post to your account between XX/XX/2018 and XX/XX/2018. The statement credit will be applied to your account within 2 billing cycles after the eligible purchases are posted. 

In order to qualify for this offer, the account must be open and current at all times. If your account is closed for any reason, including if you convert to another card product, you may no longer be eligible for this offer. This promotional offer is non-transferrable and applies to the account ending in the last 4 digits referenced in this offer. 

I met the terms of the offer completely and confirmed this with an online Citi representative who assured me that the {$30.00} statement credit would post within 48 hours. It did not. 

Citi has denied me several bonuses due to poor technology, poor communication, and an extremely flawed website. I have grown weary of their incompetence and would like to request a {$30.00} statement credit as soon as possible.

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 2018-12-12 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX, 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 2018-12-12 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:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
on all credit agencies the same accounts are not mine and listed as mine. I was the victim of ID theft and the companies and credit agencies will not remove these items.

Company response to consumer: Closed with explanation