vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
Summary USAA closed down two of our accounts without our consent. They sent the proceeds to the wrong address. They put a stop on the first two checks and tried to reissue those checks and send them to the correct address. There is a flaw in the their corporate check issuing department and they don't know where the checks are or if they have actually been issued. We have not had access to our money ( {$9400.00} ) for over four weeks now and do not know if we will ever get the money back. The checking account had {$5300.00} when it was closed. I was able to open an account at USAA because my father is an XXXX veteran. 

Long Version My daughter has been living abroad for the last year. She called USAA before she left in XXXX to change the address on her checking account to her new apartment in XXXX, XXXX. When she finished her degree and was about to move back, she called USAA to change the checking account address back to our home address. The person who recorded the address change was not paying attention and entered the wrong address. Unfortunately he also changed the address for the savings account as well which he was not supposed to do. 

We had neglected to sign some form so USAA closed these two accounts without our knowledge so on XX/XX/XXXX. The proceeds from those accounts total {$9400.00}. We did know this had happened because the bank statements were sent to the wrong address. The person who lived at the other address brought one of the bank statements over a few weeks later. By this time USAA had mailed checks totaling over {$9400.00} to the wrong address. We never received these checks - I believe they were returned to USAA. 

We called USAA as soon as we realized the address was wrong - that is when we found out that the accounts had been closed and the proceeds sent to the wrong address. We asked that the address be corrected and the checks sent to the new address. My daughter called back was assured this would happen. We called the next day and were told that someone would call us back with the XXXX tracking number. After no one called us back we tried again and were told the same story. When I called again, I was told that we had been sent a cashier 's check and that if it was lost we would not be able to get a new check for six months. And that was only if no one else had cashed it. Every time we call, we are told the check is in the mail ; USAA will call back the next day with the tracking number. No one ever calls us back and we call USAA again to start the whole process over again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: CA

Complaint narrative:
I was trying to buy a car today XX/XX/19 and when I got my credit ran they told me that there was an account in negative standing that was preventing me from getting approved for the auto loan. That account does not belong to me ; I never opened it and I never allowed anyone to open that account in my name using any of my personal information. I don't know who opened this account but I have already filed a police report. I did not benefit anything from this account such as money, goods or any other benefit from this account that was opened in my name without my permission. I do not have any written/verbal contract with that company nor did I take part in any purchases or payments in regards to this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


US DEPT OF ED/XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2019-11-25 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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


US DEPT OF ED/XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX   XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Not many actions taken by myself on this issue. I would like to report on a 10 year auto loan a company is attempting to collect on. I've received 3 different calls from different companies on the same debt. Here are the dates/times. 

First call received on XX/XX/XXXX from XXXX from a XXXX XXXX XXXX XXXXXXXX. 

2nd call received on XX/XX/XXXX from XXXX from a XXXX XXXX XXXXXXXX. 

3rd call received on XX/XX/XXXX from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NJ

Complaint narrative:
I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.

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 2019-11-25 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: NC

Complaint narrative:
I submitted a request to investigate personal information as well as accounts I did not recognize on my Experian report. I sent in identifying documents such as drivers license and SSN card. I received a letter saying they were not going to reinvestigate my claims and they sent me a copy of my credit report with the same information reporting incorrectly. They also asked for me to send in ID and SSN In order to effectively handle my dispute however I had already originally sent the SSN and Drivers license in with the original dispute which leads me to think they never viewed or investigated any of my concerns instead they just sent an automated rebuttal letter refusing to fix the errors they are reporting on my credit.

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 2019-11-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I received several emails from Synchrony Bank on XX/XX/19 regarding trial deposits & action required on your application ; I had not opened a new account with them so I was suspicious. I logged into my account & was able to do so but the account balances would not load ( just kept cycling " loading '' ). My co-worker has an account with them as well & the same thing is happening with her account. 

I called the main number ( XXXX ) but received an automated message saying call back during business hours ( it was during business hours ). 

I also called the credit card side of the company & was told those emails were sent out " by mistake '' but could not get any additional information.

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 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The security questions used to verify identities at the major credit bureaus are not secure. The default questions at all bureaus are based on credit reports, but identity thieves often have access to them. The solution would be to add extra questions that are not based on credit histories. XXXX allowed me to do so, but Experian and XXXX  refused. 

Their refusal leaves me vulnerable to identity theft. Even though I have credit freezes in place, identity thieves could lift the freeze by calling the bureaus, answering questions using my credit history, and then asking for my credit freeze to be lifted and replaced. This would assign a new PIN for the freeze, which the representative is willing to read over the phone -- -to anyone impersonating you on the phone. ( Identity thieves have lifted credit freezes on my accounts twice, but I am not sure if this is how they acquired the PINs. )

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 2019-11-25 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 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 was trying to buy a car today XX/XX/19 and when I got my credit ran they told me that there was an account in negative standing that was preventing me from getting approved for the auto loan. That account does not belong to me ; I never opened it and I never allowed anyone to open that account in my name using any of my personal information. I don't know who opened this account but I have already filed a police report. I did not benefit anything from this account such as money, goods or any other benefit from this account that was opened in my name without my permission. I do not have any written/verbal contract with that company nor did I take part in any purchases or payments in regards to this 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 2019-11-25 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: CA

Complaint narrative:
I was trying to buy a car today XX/XX/19 and when I got my credit ran they told me that there was an account in negative standing that was preventing me from getting approved for the auto loan. That account does not belong to me ; I never opened it and I never allowed anyone to open that account in my name using any of my personal information. I don't know who opened this account but I have already filed a police report. I did not benefit anything from this account such as money, goods or any other benefit from this account that was opened in my name without my permission. I do not have any written/verbal contract with that company nor did I take part in any purchases or payments in regards to this 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 non-monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NJ

Complaint narrative:
I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
My son and I took a NJ State loan out for school. It was for {$13000.00}. We had trouble paying the loan which came due while he was still in school. I also had 4 other NJ Hesaa loans out for my eldest son. All of them were paid late or had missed payments back in 2018. For some reason my second sons loan of {$13000.00} was sent to collections. It is now paid directly to an attorney firm ( XXXX XXXX, XXXX from XXXX, NJ ). I have been paying this attorney firms for almost 2 years on time and in fact, more than requsted each month. YET.. my credit report still shows that this account is still OPEN and is in Collections. It also indicates that it is a Charge Off. If it's a Charge off, shouldn't it be closed? Further it indicates that I still own the same {$13000.00}. which can not be correct since I've been paying more than I have to since it was sent to collections. The firm handling this account tells me they DO NOT REPORT TO CREDIT BUREAUS!! ... I would be more than happy to pay Hesaa for this loan, however I am told by the firm that I can not do that and the account belongs to them. How can Hesaa continue to ding me with a charge off for the pays two years??? They are killing my credit when indeed I have been paying all of them bills on time for well over a year. I also question how this account went to collections and not the others that I have with my eldest son? I do not believe that my account should be in Charge Off status post sending it to a collection agency and why it is NOT closed with Hesaa?? I need this address immediately. I have faithfully been paying on time and still get dinged? That is not fair and I ask that Hesaa remove all of the charge off notices going back to when they actually did charge it off and sent it to be collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have made the payment but it did not show on my account. I have A {$0.00}. Balance when I go and log into my acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-25 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: NC

Complaint narrative:
I submitted a request to investigate personal information as well as accounts I did not recognize on my XXXX  report. I sent in identifying documents such as drivers license and SSN card. I received a letter saying they were not going to reinvestigate my claims and they sent me a copy of my credit report with the same information reporting incorrectly. They also asked for me to send in ID and SSN In order to effectively handle my dispute however I had already originally sent the SSN and Drivers license in with the original dispute which leads me to think they never viewed or investigated any of my concerns instead they just sent an automated rebuttal letter refusing to fix the errors they are reporting on my credit.

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 2019-11-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a request to investigate personal information as well as accounts I did not recognize on my XXXX  report. I sent in identifying documents such as drivers license and SSN card. I received a letter saying they were not going to reinvestigate my claims and they sent me a copy of my credit report with the same information reporting incorrectly. They also asked for me to send in ID and SSN In order to effectively handle my dispute however I had already originally sent the SSN and Drivers license in with the original dispute which leads me to think they never viewed or investigated any of my concerns instead they just sent an automated rebuttal letter refusing to fix the errors they are reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
My wife and I have several accounts at Synchrony Bank. A short while ago this afternoon, we received several emails indicating that Synchrony had made trial deposits into our " Amazon Credit Builder '' account. We do not have such Amazon accounts. We tried to contact Synchrony, but found tha t : 1 ) calls to their telephone number do not go through 2 ) when they do go through, the automatic system can not verify our identity, either via account number or social security number, and the robot hangs up the call. It is not possible to reach a human. 3 ) the chat function on their web site does not work 4 ) when we log on to their web site, which we did multiple times, the system will not load our accounts. It just says " an error has occurred '' 5 ) th
ere is no explanation posted on

Synchrony 's web site or social media accounts. Are you able to reach Synchrony on our behalf, and ask them to contact us, and advise us what is wrong and the status of our account
s? 

Our telephone is XXXX XXXX XXXX ( Please remove this if you publish this complaint ) Thank you!

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 2019-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I received an email on XX/XX/19 from Synchrony Bank at XXXX, XXXX and XXXX. The email says : A Trial Deposit Has Been Successfully Made to Your Amazon Creditbuilder and Action Required On Your Application. I did not apply for anything. I tried calling Synchrony Bank several times and the calls kept getting dropped. I spoke with the Federal Trade Commission who said they have been receiving calls about the same emails other people are receiving! I need this account closed 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 2019-11-25 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: FL

Complaint narrative:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal has my check from my job in my account and they said the have a hold on my account for a 180 days I need my money to pay my Bill's I cant wait that long

Company response to consumer: Closed with non-monetary relief