vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-28 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: AR

Complaint narrative:
I found out my identity had been compromised because my wallet was stolen at a store while I was shopping. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letter after letters of several unpaid for accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There is years after years of open account and closed accounts. There is way too many fraudulent accounts open that I am not near familiar with. These accounts are not mine. Please remove. 

XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX   XXXX XXXX XXXX {$18000.00} XXXX XXXX {$4100.00} XXXX/XXXX   XXXX {$10000.00} XXXX XXXX XXXX {$1700.00} XXXX/XXXX XXXX {$2200.00} XXXX/XXXX XXXX {$1100.00} XXXX XXXX/XXXX  XXXX {$810.00} XXXX XXXX {$500.00} XXXX   XXXX {$6200.00} XXXX   XXXX {$3200.00} DPT ED/XXXX XXXX {$5700.00} XXXX XXXX   XXXX {$250.00} XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$4200.00} XXXX   XXXX {$2000.00} DPT EDXXXX XXXX {$2200.00} XXXX XXXX {$2200.00} XXXX/XXXXI XXXX {$0.00} XXXX/XXXX  XXXX {$690.00} XXXX  XXXX XXXX XXXX {$2200.00}

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 2020-02-28 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 found out my identity had been compromised because my wallet was stolen at a store while I was shopping. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letter after letters of several unpaid for accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There is years after years of open account and closed accounts. There is way too many fraudulent accounts open that I am not near familiar with. These accounts are not mine. Please remove. 

XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX   XXXX {$18000.00} XXXX   XXXX {$4100.00} XXXX/XXXX XXXX {$10000.00} XXXX XXXX XXXX {$1700.00} XXXX/XXXX   XXXX {$2200.00} XXXX/XXXX XXXX {$1100.00} XXXX XXXX/XXXX   XXXX {$810.00} XXXX/XXXX XXXX {$500.00} XXXX   XXXX {$6200.00} XXXX   XXXX {$3200.00} DPT ED/XXXX XXXX {$5700.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$4500.00} XXXX XXXX   XXXX XXXX {$4200.00} XXXX   XXXX {$2000.00} DPT ED/XXXX XXXX {$2200.00} XXXX XXXX {$2200.00} XXXX/XXXX XXXX {$0.00} XXXX/XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX {$2200.00}

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 2020-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
I made various attempts to reach Hoyt & Landau recently who have made false attempts to collect a debt that is not owed any longer, due to the company filing bankruptcy and do not owe the amount they have claimed and file in court and issued a default judgement after I obtained a lawyer through XXXX whom they refused to respond to. Also, the Lawyer accepted Service and signed for the Entry of Appearance on my behalf. However, they did not file an Answer in time regarding the debt not owed and I was recently notified by the law firm on XX/XX/XXXX that  they slipped and did not file the Answer in time. On another note, the Collection Agency purchased the account for pennies on the dollar from XXXX XXXX and I confirm with them today that they do not have record of an account ending in XXXX for XXXX because this XXXX filed Bankruptcy and XXXX XXXX, in turn, collected on the account as well when the Trustee settled the debts on behalf of XXXX. So both firms are illegally still trying to collect inflated interests and late fees, although I do not owe the debt they are claiming and filed in court as {$3300.00}. 

I also reached out to engage another lawyer on my behalf from XXXX and Hoyt and Landau has chosen to ignore attempts to communicate on my behalf because they are illegally trying collect on an inflated account balance that I do not owe. Also, the lawyer Mr. XXXX, sent the affidavit per the request of the front desk receptionist and he has still not made contact with them, since this morning, although they claimed they would be available to speak about the claimed account they have from XXXX XXXX. Mr. XXXX attempted to reach them multiple times today to discuss the erroneous claimed amount but received no response or follow-ups which is also totally unacceptable. 

I also made several attempts to reach out to XXXX XXXX when my daughter was XXXX for over 34 Days in XXXX with a XXXX medical condition and was denied any form of Hardship Program or Credit Insurance relief although I reached on many instances in XX/XX/XXXX regarding this matter and also sent them a formal letter in XX/XX/XXXX describing the extenuating medical and financial circumstances we were experiencing during that time and still seeking work as well. Our daughter is XXXX and XXXX XXXX and Hoyt & Landau are both discriminatory towards XXXX XXXX-Americans and U.S. Military Veterans who have served their Country. 

There is no empathy expressed and only bullish, uncanny behavior and greed rules within their company and should be investigated by SEC and FTC regarding their illegal business practices regarding extremely inflated interests rates, and late fees.

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 2020-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I have contacted CITI CARDS customer services and paid the balance due and closed this account to the best of my knowledge, yet received a statement reflecting a balance due along with additional late fees on a {$30.00} charge I understood was paid at the time I closed this account. They agree that I closed the account but my payment balance at the time of closing was past due and now I have received two late fees on the account of this.I feel that at the time I closed this and paid that {$30.00} charge everything was complete and all was in good standing and I was free and clear and this card account was closed! I feel an adjustment is in order and I owe them nothing in late fees what so ever! 
Sincerely, 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 monetary relief
Consumer complaint received 2020-02-28 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting an account to my credit that should no longer be on there. This is not my account and I was removed as an authorized user from this account and it should not still be reporting to 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 2020-02-28 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:
XXXX XXXX XXXX # XXXX is reporting an account to my credit that should no longer be on there. This is not my account and I was removed as an authorized user from this account and it should not still be reporting to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
I have written to the Bureau ( on three occasions ), a collection company, asking them to properly validate the debt as required by the Fair Debt Collection Practices Act. All they can send is a single page billing statement. That is not proof, they must produce a document with my signature showing that I am financially responsible for this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had an open account with Carcredit / Synchrony Bank which was closed on XX/XX/XXXX due to inactivity and at that time Synchrony Bank reported the closure to XXXX credit bureau. I am in total agreement with the closure and the credit reporting, my complaint is that Synchrony Bank continues to report the same information over and over. Synchrony Bank has sent out a total of five reports  on the same issue, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I have contacted Synchrony customer service twice and all they can tell me is they will look into the matter and respond by ail in thirty days.I called on XX/XX/XXXX & XX/XX/XXXX and yet they still continue to send the same report to the credit bureau. 
This needs to stop immediately, I have worked long and hard to get my credit score up to XXXX and I don't need Synchrony Bank to destroy all my hard work.

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 2020-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
Applied for a modification in XX/XX/2020 with Mr. Cooper due to a Hardship ( XXXX XXXX ) the set back my financial obligations. They denied my Modification due to a slight increase in payment by {$10.00} on XX/XX/XXXX I filed an appeal in the XX/XX/XXXX and they said they would respond no later the XX/XX/XXXX. I received a denial letter of the appeal on XX/XX/XXXX and called to make two month payment on the XX/XX/XXXX ... the representative said I needed to make 3 payments. I said I can not do that until the XX/XX/XXXX ... She said said I could make 3 payments on the XX/XX/XXXX. They said to call back on XX/XX/XXXX to make the 3 payments. When I called back on XX/XX/XXXX they said its in foreclosure status and you need to the resolve with the Attorney and pay the full amount. 

The rug was pulled from under my nose ... I've never experienced this in my life ... when I had the payment and told the representative on XX/XX/XXXX they said I can not pay anything at this time to wait for the Attorney letter. WOW????? I thought I had plenty of time when they sent a letter of the appeal they would respond no later then XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: VA

Complaint narrative:
I went to my bank to apply for a loan and was denied. I was confused because I thought that you all had taken care of the accounts on my credit that does not belongs to me. The account on there does not have a name but there account number is XXXX. I have contacted the FTC and local police.

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 2020-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I was trying to sell furniture on XXXX. A buyer sent me a certified check for {$1700.00}, which initially cleared my bank account on Thursday, XX/XX/2019. Part of that money was for movers to come for the furniture. On Thursday, XX/XX/2019 after it appeared the money had come through they asked I transfer {$1400.00} via. XXXX XXXX/XXXX. Since I used this service through my Chase Bank app, I thought it was secure and protected. On Friday, XX/XX/2019 they claimed they didn't want the furniture anymore and requested the rest of the money back, minus {$50.00} " for my trouble. '' I sent the remaining {$300.00} to the same user on XXXX before realizing it was probably a scam. I called Chase Bank, who asked me, " Well, what do you want us to do about it? '' and directed me to talk to XXXX after confirming that the certified check was bad and would eventually bounce. XXXX lectured me on how their service isn't secure or insured and said there was nothing they could do. I pressed them and they said they would try to contact the receiving user 's bank. I gave them the transaction numbers for each transfer and they told me that they didn't think I was giving them correct numbers because there weren't any letters in them ( like I could make this up ). When I asked XXXX for a tracking id number for my case and what my next steps were they seemed very confused and said I didn't need to worry about it because they would work with my bank to figure it out. When I contacted Chase again, they said that wasn't the deal, and they would have no part in investigating this. I called XXXX back, who directed me to Chase. I finally spoke with someone at Chase that told me none of this was their problem since I initiated sending the money - even though I was tricked into doing so. I received zero sympathy and they said this wasn't considered a scam or fraud ... despite the fact that I'm now out {$1700.00}, feel like a total idiot, and no longer feel like I can trust my bank. Completely dismissive and I clearly have zero recourse, despite the fact that I used my banking institution that I thought I could trust and would help cover some amount of losses or liability. Apparently fraud is only fraud when I don't initiate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: VA

Complaint narrative:
I went to my bank to apply for a loan and was denied. I was confused because I thought that you all had taken care of the accounts on my credit that does not belongs to me. The account on there does not have a name but there account number is XXXX. I have contacted the FTC and local police.

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 2020-02-28 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: VA

Complaint narrative:
I went to my bank to apply for a loan and was denied. I was confused because I thought that you all had taken care of the accounts on my credit that does not belongs to me. The account on there does not have a name but there account number is XXXX. I have contacted the FTC and local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have written to Portfolio ( two accounts XXXX and XXXX ) ( on three occasions ), a collection company, asking them to properly validate the debt as required by the Fair Debt Collection Practices Act. All they can send is a single page billing statement. That is not proof, they must produce a document with my signature showing that I am financially responsible for this alleged debt and that I was late leading to a chargeoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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:
Im trying to reach out back about from when I got denied for my apartment and saw several items on my credit that was not mine. I still see some of the same items on there. Please remove from my creditXXXX and these inquiries XXXX XXXX/XXXX XXXX XXXX   XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I found out I qualified for the loan repayment program and signed up for that in XX/XX/XXXX when I began a new job. I have recently come to find out that I was lied to. It was NOT a repayment plan for the PSLF, but an actual reconsolidation instead via a 3rd party along the way. Thus, all the payments I have made since XX/XX/XXXX have not, nor will be, counted toward my 120 total  payments needed for the PSLF condition. I was told that I'd probably be done paying by now. I'm currently enrolled with the PSLF loan and seem to be on the right track now, but all of the payments before this mixup of the XX/XX/XXXX reconsolidation that should have been counted can not be due to the lie I was told. I probably did sign some form then but obviously it wasn't correct and I have no clue how to fix this. I want to talk with someone bc I've been paying consistently since XX/XX/XXXX. My student loans are still high as ever and will soon be even with my house mortgage payments. I feel so defeated and beyond devastated. I am just not getting the correct information and being transferred nonstop. I've never done this before and was the first to go to college in my family. Please help me figure this out so I can get the credit for the years XX/XX/XXXX-XX/XX/XXXX I have been paying off my student loans and working in a nonprofit organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My checking account is charged by Citibank frequently for the last two years with no reason given in writing. I have been told verbally they are returned checks but Citi has not provided copies of the returned checks or been able to identify the payer forcing us to accept their word, which is not good enough. As it currently appears we are simply debited funds for no reason whatsoever with no explanation. I believe these fees are illegal and that Citibank is also violating it's own legal and contractual terms with me as the account holder by not providing written proof and explanations of these debits, specifically copies of the supposed returned checks with the date of deposit and return reason. I believe that is my legal right. 

I have attached one of many letters I have received that my account is being debited, but it does not explain the reason. I have called the 800 number given on the document over 10 times without an explanation ever having been given.

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 2020-02-28 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:
Im trying to reach out back about from when I got denied for my apartment and saw several items on my credit that was not mine. I still see some of the same items on there. Please remove from my creditXXXX and these inquiries XXXX XXXX/XXXX XXXX XXXX   XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police.

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 2020-02-28 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:
Im trying to reach out back about from when I got denied for my apartment and saw several items on my credit that was not mine. I still see some of the same items on there. Please remove from my creditXXXX and these inquiries XXXX XXXX/XXXX XXXX XXXX   XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police.

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 2020-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TN

Complaint narrative:
Contacted again XX/XX/2020 at XXXXCST, I have explained relentlessly that I am not XXXX XXXX . XXXX XXXX had this number over 6 years ago before I received this number from my cell phone carrier. I have explained this and they continue to contact me and refuse to stop calling me.

Company response to consumer: Closed with explanation