vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-13 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: FL

Complaint narrative:
I have contacted this bureau multiple times regarding these fraudulently opened accounts that are listed below. These accounts do not belong to me and are hindering me from obtaining future credit. Bureaus are not cooperating with me and have not got back within the last 3 months regarding the disputes or investigations. 
The accounts that are not mine and have been fraudulently opened are as listed XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX, XXXX CARD opened XX/XX/XXXX account number XXXX, XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX and XXXX XXXX XXXX opened XX/XX/XXXX account number 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 2019-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I applied for a wells fargo secured credit card to build credit without reading all the horrible reviews on this card. 
The address in which i applied as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX on XX/XX/2017 The clerk told me if I made on time payments and paid more than my minimum I should be approved within a year or less. 
I've called for an upgrade to a credit line a few times & I am given 3 reasons which I dont agree with, 1 being other deliquent accounts which was never explained to me. My credit wasnt good to begin with which is why I went with a secured card to Build my credit. 
Ive never received any paperworks proving that there has been a deny on a credit line or reason why. 
I now have 3 other credit cards which are not secure and I dont understand why my card can not be upgraded. 
I was given false information from this branch, made on time payments, always paid more than my minimum havent went over my limit which was told I would need to do to upgrade. And now i cant upgrade because i have deliquent accounts which are unrelated to Well Fargo overall. 
This is my oldest account and it will hurt my credit to close. 
This is not right and they lied to take a deposit for an account that will stay secured forever and may never be upgraded according to the bank now.

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 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I contacted XXXX by mail to inform them that my credit that I had been working on was not on my annual credit report. And these accounts are : XXXX XXXX store on XXXX XXXX ( finance by XXXX ) bought King size bedroom set. made monthly payments. Then bought queen size mattress ( 3 ) sets at XXXX XXXX store on XXXXXXXX XXXX and XXXX XXXX. Made monthly payments each month. Then, I bought a furiture set ( 2 ) cough 's and pillow 's. Made monthly payments each month. Then I bought a sectional brown in color made monthly payments each month miss some payments but, I caught up and paid it with late payment amounts. Then I bought a car XXXX XXXX 3yr payment plan paid each month until I was finish. Then, I was a co-signer for my Daughter. Who never miss a payment. Not one payment miss. STILL These Items are not showing on my report. XXXX said that they never received any thing for none of my creditors. I contacted ALL of them and ask if they sent in my report of payments. THEY ALL SAID YES WE DID. And then I ask if they could send another one ( certified copy of finish payments ) THEY ALL SAID YES. THEN I sent in copies after 30 days and still nothing. HELP!!!!!

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 2019-03-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CFPB case number : XXXX I got the respond from citibank and still not receive the XXXX bonus as they promised in the response in the previous case ( CFPB case number : XXXX ). 
I am trying to call the number in the letter never got answered.

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 2019-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This complaint is regarding account XXXX XXXX, which you claim I opened a credit account on XX/XX/2013 for {$500.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company.

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 2019-03-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: LA

Complaint narrative:
Westlake financial services I have no knowledge of this account and did authorize for anyone as a co signer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a complaint in order to escalate the dispute process. I am disputing a repossession as reported by XXXX XXXX XXXX XXXX, account # XXXX, opened XX/XX/XXXX, balance reported {$5300.00}, original loan balance {$17000.00}. The reason I am disputing this is because the data furnisher was grossly non-compliant with California statutes : Notice of Seizure Cal. Bus. & Prof. Code 7507.10, Inventory of Personal Effects Cal. Bus. & Prof. Code 7507.9, Notice Before the Sale Cal. Civ. Code 2983.2, Reinstating the Loan Cal. Civ. Code 2983.2. 2983.3, Redeeming the Vehicle Cal. Civ. Code 2983.2, Furthermore, I wrote XXXX XXXX XXXX XXXX directly on XX/XX/XXXX to demand that copies of the above notices be mailed to my home address within 14 days. They did not comply, I have received no such correspondence. This leads me to believe these notices never existed, along with the fact that I never received them. I also wrote XXXX and Equifax directly, return receipt mail, to notify them that since XXXX XXXX was in gross non-compliance with the California statutes above, that they should update my credit reports for accuracy. They have failed to do so. This complaint is to address XXXX XXXX 's data furnishing negligence and willful misconduct. I am hoping that directly disputing XXXX XXXX 's data furnishing practices will be sufficient to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a complaint in order to escalate the dispute process. I am disputing a repossession as reported by XXXX XXXX XXXX XXXX, account # XXXX, opened XX/XX/XXXX, balance reported {$5300.00}, original loan balance {$17000.00}. The reason I am disputing this is because the data furnisher was grossly non-compliant with California statutes : Notice of Seizure Cal. Bus. & Prof. Code 7507.10, Inventory of Personal Effects Cal. Bus. & Prof. Code 7507.9, Notice Before the Sale Cal. Civ. Code 2983.2, Reinstating the Loan Cal. Civ. Code 2983.2. 2983.3, Redeeming the Vehicle Cal. Civ. Code 2983.2, Furthermore, I wrote XXXX XXXX XXXX XXXX directly on XX/XX/XXXX to demand that copies of the above notices be mailed to my home address within 14 days. They did not comply, I have received no such correspondence. This leads me to believe these notices never existed, along with the fact that I never received them. I also wrote Experian and XXXX directly, return receipt mail, to notify them that since XXXX XXXX was in gross non-compliance with the California statutes above, that they should update my credit reports for accuracy. They have failed to do so. This complaint is to address XXXX XXXX 's data furnishing negligence and willful misconduct. I am hoping that directly disputing XXXX XXXX 's data furnishing practices will be sufficient to resolve this matter.

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 2019-03-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
The following is in response to Select Portfolio Servicings ( SPS ) response ( XXXX ) dated dated XX/XX/XXXX andXX/XX/XXXX response ( XX/XX/XXXX ) dated XX/XX/XXXX. Please allow me to outline my continued unresolved issues/concerns and provide additional indisputable documentation of SPS 's and XX/XX/XXXX fraudulent activity and misrepresentation. First, both SPS and XXXX  assert the property address associated with the alleged note and mortgage as XXXX XXXX XXXX, NY XXXX. My deceased father 's last address was XXXX XXXX XXXX XXXX, NY XXXX. However, in the past this property was assigned the following addresses over the fifty years he lived there. They include : XXXX XXXX XXXX, XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX  ; and XXXX XXXX XXXX XXXX XXXX, NY XXXX, and lastly, XXXX XXXX XXXX XXXX, NY XXXX. XXXX, NY is a village in the town of XXXX, NY XXXX. Secondly, Tax Map # XXXX  also associated with the alleged mortgage does NOT represent a single property. It consist of multiple parcels ( 3 ), including Deeds XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). The only affected Deed, as described in the alleged mortgages, is XXXX ( XXXX ) consisting of approx. XXXX   acres. My deceased father 's residence is not located on this parcel. His residence is located on associated Deed XXXX   ( XX/XX/XXXX ). This is all verified by the attached document which includes a very detailed title search report conducted by XXXX XXXX XXXX. The documentation is indisputable and proves the fraudulent and misrepresentation SPS and XXXX continue to perpetrate. SPS ( AKA XXXX XXXX XXXX XXXX ), XXXX, or any other associated entity has never had, or have, a security interest in my deceased father 's personal residence, which is located on a parcel totally unassociated with the alleged mortgage. See attached documentation for verified proof. Not only has XXXX misrepresented the facts when they sold the alleged note and mortgage to XXXX, SPS continues to threaten legal action against my father 's estate ( foreclosure, forced placed insurance, etc. ) Furthermore, XXXX XXXX XXXX XXXX and SPS defrauded investors. They have securitized this alleged note and mortgage, without the required due diligence, and continue to misrepresent the facts to investors, by claiming they have a security interest in a property in which they absolutely do not. This misrepresentation is both unconscionable and despicable. Their actions need to be addressed with appropriate consequences.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
Experian was contacted and reports to me as a consumer that my student loans are in closed status as I am still in my 3 year review period from XXXX XXXX XXXX XXXX   Discharge. The review period ends on XXXX XX/XX/XXXX. But the Credit report given to a potential creditor on a hard pull of my credit still lists my student loans as delinquent and not in the closed status. The Credit dispute  procedure was followed by me with Experian online in previous weeks and months. I rechecked my credit report with a local credit union and the delinquent student loans are still included in the information that the creditor receives but not in the information I see on my Experian credit report I am shown by my Experian consumer account. This information is used to deny me credit contrary to the laws of the Consumer Fair Credit Act. I disputed the Experian account in XX/XX/XXXX and I checked the status today on XX/XX/XXXX. The Delinquent account status is not supposed to be there according to my understanding of the XXXX when I received a TPD discharge of my loans 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 non-monetary relief
Consumer complaint received 2019-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Synchrony Bank is refusing access to my account after multiple identity verifications. XX/XX/XXXX, they first blocked my credit card when I attempted to purchase an airplane flight. I verified my credit card and they unlocked my account. That same day, Synchrony blocked my account again when I tried to pay for a veterinary ER visit. 

Since then, I have verified myself via social security number, phone number, and video of my face and images of my state issued ID. They refuse to verify with the email that is on the account and are now asking me to submit hard copies via mail of my ID as well as proof of residence. 

I believe Synchrony is employing unfair and predatory consumer practices.My account is being held hostage and they are not allowing me to access it. 

Firstly, I do not believe that Synchrony should have access to all of this information ( my ID and a bill to prove my residence ), this information in the wrong hands can be misused to steal my identity. I do not believe this is a practice done in good faith and I do not believe this is standard practice in the credit card industry. I was also told over the phone that the address given to me to send this information is not available anywhere online, yet another reason why I do not wish to comply. 

I have never experienced this kind of treatment before. I am a customer in good standing who has always paid her bills. I feel like I am being targeted.

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 2019-03-13 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: FL

Complaint narrative:
I have contacted this bureau multiple times regarding these fraudulently opened accounts that are listed below. These accounts do not belong to me and are hindering me from obtaining future credit. Bureaus are not cooperating with me and have not got back within the last 3 months regarding the disputes or investigations. 
The accounts that are not mine and have been fraudulently opened are as listed XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX, XXXX XXXX   opened XX/XX/XXXX account number XXXX, XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX and XXXX XXXX XXXX opened XX/XX/XXXX account number 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 2019-03-13 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:
I have contacted this bureau multiple times regarding these fraudulently opened accounts that are listed below. These accounts do not belong to me and are hindering me from obtaining future credit. Bureaus are not cooperating with me and have not got back within the last 3 months regarding the disputes or investigations. 
The accounts that are not mine and have been fraudulently opened are as listed XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX, XXXX XXXX opened XX/XX/XXXX account number XXXX, XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX and XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: KY

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-03-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: AZ

Complaint narrative:
This has been going on for more than six years now. I contacted them and advised that I never took out a loan with XXXX XXXX. I advised I was seeking counsel because I have good credit and many fraudulent charges were being made against me. I sent them letters and also called and spoke to supervisor XXXX and was told this was to stop. This company left me alone for two years and here we are again with them trying to collect {$280.00} I am so fed up with this and almost gave in but this is so wrong and fraudulent I am seeking your help desperately at this time as this has become burdensome to me and my family to have to keep reporting this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. 
XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX XXXX XXXX LA XXXX. The following addresses and the variation on my name are not accurate. My name is XXXX XXXX please delete all other variations of my name. I am no longer affiliated with these addresses I would like to have my credit report to reflect true up to date that is accurate information. My current address is XXXX XXXX XXXX XXXX XXXX LA XXXX.

Company response to consumer: Closed with explanation