vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-10 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: UT

Complaint narrative:
A company XXXX XXXX XXXX XXXX with which I have never transacted has fraudulently posted a collection report on Equifax. I have disputed this with Equifax. However, Equifax failed to remove this posting on my credit report. Since I have never had a relationship with the collections company or the vendor for which the collections company is posting, I am not able to provide any additional information to Equifax on this matter. In contrast, Equifax has failed to provide any additional information on the posting. Further, I am not able to communicate with Equifax with their online platform because they apparently attribute a variety of other credit items to my file that are ( incorrectly ) being used for verification purposes. I received a hard copy of my credit report which did NOT include any of the incorrect verification questions. This suggests that Equifax online data for my file is also incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ

Complaint narrative:
I found out the person who borrowed money for auto loan was not me. 
In the document, the address was not mine when the person who used my name and SSN. I am pretty sure the XXXXXXXX XXXX does not have a copy of my driver 's license. The address on the document was not mine. The XXXX XXXX must have a copy of the deiver 's license of the person who used my name and my SSN. Worstly, the vice president of operation in the XXXXXXXX XXXX, her name is XXXX, she did not check names ( on the driver 's license and SSN 's ) accurately and sighned on the paper. 
XXXX XXXX must send me the copy of driver 's license as a proof that the person is myself if they believe the person is myself. However, I am 100 % sure they do not have a copy of my driver 's license.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
On XX/XX/XXXX pioneer credit recovery sent me a wage garnishment notice on behalf of the department of education. I sent a request letter on XX/XX/XXXX requesting an oral hearing. I never received a date or response to present myself in person at a location before a hearing officer. On XX/XX/XXXX I received another letter stating I needed supporting evidence with no time given to gather my supporting evidence with one loan discharge application and needed help filling it out. I requested the lenders information on XX/XX/XXXX and never received the information and that i had requested an extension to gather my supporting documents and i was never granted the requested or received a response. Now on XX/XX/XXXX they took upon themselves to make a final decision without granting me a fair hearing. the company garnished XXXX XXXX of my wages. I am forced by this company into hardship facing an eviction and utility bills disconnections and no transportation or food.

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 2019-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/2019, I reached out to American Express for a second time do to payment issues and was forced a second time to call my bank on three-way with them. The representative from American Express placed me on hold to call my bank, and then proceeded to use my social security number and other personal identification to log in to my bank account through my banks automated system without my permission. The representative should not have used my information to access my account without my permission, instead they should of three-wayed me in to allow me to enter that information. I am frustrated and concerned because I have to go through this process every single time I make a payment indefinitely and I am concerned that American Express employees are going to continue to access my banking information with my personal information without my permission. I asked to speak to the manager, who said she agreed with my concern then proceeded to brush me off. I would like to know what American Express is going to do to protect my identifying information going forward, since they insist I call every time I make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I found out the person who borrowed money for auto loan was not me.

In the document, the address was not mine when the person who used my name and SSN. I am pretty sure the Wells fargo does not have a copy of my driver 's license. The address on the document was not mine. The Wells fargo must have a copy of the deiver 's license of the person who used my name and my SSN. Worstly, the vice president of operation in the Wells fargo, her name is XXXX, she did not check names ( on the driver 's license and SSN 's ) accurately and sighned on the paper.

Wells fargo must send me the copy of driver 's license as a proof that the person is myself if they believe the person is myself. However, I am 100 % sure they do not have a copy of my driver 's license.

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 2019-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc.
State: NJ

Complaint narrative:
Looking to repair my credit and looked on my credit report and saw this collection agency. I'm unaware of any dept owed, what it's for. Haven't received any notices, copies of original contracts, validation of dept or signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Looking to repair credit and saw this dept collector on my report. I'm not sure as to what it is for or if it is even mine. I would like to receive a copy of the original contract, signatures, proof that you have the right to collect in my state.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2014 I was added to a loan as a co-signer electronically by USAA without my consent or knowledge. I have made several phone calls to resolve my removal from the fraudulent loan as well as obtaining a police report and subsequent investigation into the matter. I am still on the loan and the bank has not gotten back to me at all about the removal and/or correction of this matter. This has affected my credit and hindered my ability to obtain other loans. It has been well over a month.

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 2019-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
I'm trying to repair my credit and came across this dept that is owed which is unbeknown to me. {$660.00} is says I owe but for what? Please send me a copy of original bill, validation of purchase of debt, copy that provides proof to collect in my state and my signature as per the fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
{$610.00} is the amount showed owed on my credit report as I am trying to repair my credit. I'm not aware of this debt and would like to receive a copy of original contract, signatures and bill with breakdowns of charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: DE

Complaint narrative:
I did not authorize the following accounts they are the result of identity theft. Please remove them. 
XXXX/XXXX XXXX- alleged amount owed= {$1100.00} XXXX XXXX XXXX/ XXXX XXXX- {$4100.00} Please review my attachment below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Please add this addendum to my current account complaint number # XXXX : I checked the box below, and want the CFPB to publish this description of my original complaint on consumer finance.gov, so others can learn from my personal experience. 

Also, I should have mentioned that when XXXX XXXX, SunTrust Executive Services, called me on XX/XX/19, she advised me that she was recording the over 30 minute call. I would like, and give my permission for the CFPB to obtain that recording, during which I explained in great detail what happened, will also indicate how upset I was as a result of the screw-up by the SunTrust teller. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Someone use my credit information to obtain an auto loan as well as personal credit cards. I disputed the information with the credit bureaus but the auto loan still remains. This items does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I do no believe this debt is accurate. This was a business debt. The business was shut down due to lost of clients. This debt is overcharged or totally inaccurate. I do not know what the charges are for and how old these charges are. I do not know when these charges were made.

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 2019-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Comenity Bank has punished me and my family by freezing all my accounts. I can't make any purchases anything. I was having some financial difficulties after I lost my job and instead of this bank understanding my situation they were calling me about 5 to 6 times daily demanding for payment. I got up to the point that they were calling me at XXXX XXXX and late at about XXXX XXXX. I couldn't believe what was happening and they kept apologizing for it and I told them that I do understand why the frequent calls. I also told them that I know they need to collect their money, but calling me on an everyday basis and that frequent wasn't going to help me generate income. I told them to stop calling me so frequent. 
I wrote a letter letting them know that I recently lost my job and that I was looking for work and for them to stop making so many frequent calls because it was psychologically affecting me and my family. I couldn't believe what was going on and because I express how I felt and told them to please have some consideration and as retaliation Comenity Bank ordered his employee to freeze all of my credit lines because I told them to stop calling me so frequent. I have not been able to do any purchases in a period of two months because of their retaliation against me. I want to know if this is ok because I have recently made payments and found employment. Can you please help me recovered my credit lines, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
A Certified/Return Mail was sent to this creditor, Amsher Collection Services requesting that the account # XXXX for the amount of {$1100.00} since XX/XX/2018 they're reporting on my credit profile does not belong to me and it's impeding on my ability to move forward in order to secure any measurable job ; and the consistent lack of credit extension to me by potential creditors. Amsher Collection Services must delete this unfair and erroneous information from my credit reports with all the Credit Bureaus with immediate effect per the FCRA and the FDCPA. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Specifically, Experian is a credit reporting agency. It is there to rate consumers on their credit worthiness. What they actually do is take one small incident, and turn it into an excuse to sell you " credit repair '' services. Further, they suggest that me having two credit cards that I do not utilize makes me a credit risk. They stipulate that " high performers '' are shown to have 10 or more open lines of personal credit ( i.e. lots of credit cards ). They end up the " expalnation '' of my derogatory credit rating with advertisements for obtaining more credcit cards.

This is wrong. They are in the credit reporting business, but they are really in the sale of debt business. One small {$150.00} medical bill, that I have paid by way, does not justify an all out war on my credit rating. Experian are practically extortionists, and need to be reined in and held accountable to their non-profit status. They are in the business of credit reporting, but are strong-arming consumers into accepting false services for reasons that really make poor finiancial sense. Why on earth would I need so many credit cards, or get a car loan if I do not need to, or pay a  XXXX TX doctor 's billing office calling you from XXXX because they are quite clearly not on the up and up??? 

That is why I didn't initially pay my one delinquent medical bill, because I did not trust the doctor. But Experian is worse than this. They want me to sign up for more new credit cards. I have held my credit cards for over 20 years. I have long established credit, yet Experian says I am a credit risk. They are clearly not right, otherwise my credit cards would have been cancelled by the bank ages ago. 

Experian services need to be investigated. It seems they are engaged in conflicts of interest and misleading business practices.

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 2019-06-10 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: NC

Complaint narrative:
There was nothing to explain further I have been sending letters to Experian and XXXX  and I have repeated myself over and over again. The accounts don't belong to me,. I know this is an error and I ask you to please DELETE THE FRAUDULENT ACCOUNTS ... XXXX XXXX ( ORIG CREDITOR NAME : XXXXXXXX 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 2019-06-10 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: TX

Complaint narrative:
I submitted a dispute prepared by an attorney to this company and court documents that showed the account owner legal case had been dismissed and therefore LEGALLY SHPULD NO LONGER BE REPORTED. As it was explained to me if a company can not legally collect a debt it should not be reported on their credit report THUS THIS ITEM SHOULD BE REMOVED. 

Not only did Experian not look into the legal aspect of the matter they also reaged my account which is illegal and not in accordance with the Fair Credit Reporting Act. Time barred accounts are supposed to have the correct date of charge off. Experian UPDATED the account as if it had just been charged off this month when in reality it was charged of YEARS AGO. 

ACCOUNT NAME : 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 2019-06-10 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: NC

Complaint narrative:
There was nothing to explain further I have been sending letters to XXXX and Transunion and I have repeated myself over and over again. The accounts don't belong to me,. I know this is an error and I ask you to please DELETE THE FRAUDULENT ACCOUNTS ... XXXX XXXX  ( ORIG CREDITOR NAME : XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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 am in disagreement with the items listed which still appear on my credit report as having late payments.. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score..I would like these items be removed from my credit report XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: NM

Complaint narrative:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

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 2019-06-10 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: NM

Complaint narrative:
XXXX XXXX, XXXX  and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

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 2019-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
A Certified/Return Mail was sent to this creditor, Diversified Consultant requesting that the account # XXXX for the amount of {$180.00} since XX/XX/2019 they're reporting on my credit profile does not belong to me and it's impeding on my ability to move forward in order to secure any measurable job ; and the consistent lack of credit extension to me by potential creditors. Diversified Consultant must delete this unfair and erroneous information from my credit reports with all the Credit Bureaus with immediate effect per the FCRA and the FDCPA. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation