vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-29 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: LA

Complaint narrative:
have contacted credit bureaus on numerous occasions to have incorrect or outdated information removed, however they are refusing to remove the information stating that the items come back validated even though the information is correct.

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 2019-10-29 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: NV

Complaint narrative:
On XX/XX/XXXX I was contacted by XXXX that I had an individual mortgage with a past due amount. 
I disputed it knowing XXXX could not have documentation given that Ive ever owned that property. Even without documentation Experian still backed XXXX claim against me. Previous to this my credit score through Experian was XXXX, and after dropped to the 500s. XXXX never asked me for any money, instead they harassed me and ruined my credit. 
The documents that they had was a note I co-signed on XX/XX/XXXX. For the amount of {$97000.00}, with payments of {$1200.00}, at an interest rate of 13.03 % for the term of 179 months which ended XX/XX/XXXX. 
There is a new contract under just XXXX XXXX, who is the only signer, I am no longer a co-signer, my name was completely removed on XX/XX/XXXX. I was never notified of the new contract until XXXX. 
On XX/XX/XXXX the sole signer ( not me ) took out a XXXX mortgage in the amount of {$4300.00} making the total loan amount {$92000.00}. Both the payment and interest rate changed and the duration of the new loan note went to 27 years. This was not a modification but a whole new contract with just XXXX XXXX as the only signer. 
On XX/XX/XXXX XXXX transferred the loan to XXXX XXXX. I again disputed it but to no avail. I never received any documentation from XXXX XXXX regarding any loan. They did admit during a phone conversation that some of the documents they had were unsigned by me. 
On XX/XX/XXXX I got help from the XXXX XXXX XXXX XXXX XXXX Nevada who were finally able to obtain the documents XXXX XXXX had. In a correspondence with The XXXX XXXX XXXX they stated I had a sound legal basis for dispute. 
On XX/XX/XXXX The legal aid accomplished all they could for me given their resources and suggested I contact Consumer Financial Protection Bureau. 
This situation has affected my credit score and livelihood. I will be XXXX years old in XXXX, living on a set income from Social Security of {$1100.00} per month. As a result of my now lowered credit score I can not get approved for new low-income housing, which is needed because my rent has gone up. I was unable to get a good rate on my car loan, and even my car insurance has increased because of the low credit score. Most recently on XX/XX/XXXX I received an email that XXXX XXXX XXXX closed my credit card through them in which the account was at a XXXX balance and I'd never sent a late payment. 

I have almost 30 pages of documents to use to make my case. 

I have been fighting this for three years, and am hoping you are able to help. 
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 2019-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PMAB,LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: Certegy Holdings, LLC
State: NJ

Complaint narrative:
I have been cleaning all my consumer reports because I found out that there were accounts that were opened in my name that I did not authorize. While going over one report I was sent another report that had listed several checks that were written without my authorization. I am have been a victim of ID Fraud and this is an ongoing seems to be never ending saga in my life. There are several checks on this account that I want to dispute as fraud and removed as these are wrong and don't belong to. Once this is cleared up please send me an updated report with those items removed. 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 2019-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019 I tried to make an {$1100.00} withdrawal from an ATM using my Citibank card. I tried 3 times and was declined each time. I went to my truck and called Citibank and they asked me if I was authorizing the charge and I said yes. I then went back in and tried the ATM 2 more times and it was declined both times so I drove home. The next day I went to my bank to make a withdrawal and the ATM said I only have an available balance of {$6.00}. I then drove to XXXX XXXX and spoke to the supervisor. The supervisor pulled the transactions for the ATM that I tried to use the day before. She said that no money for the amount I was trying to withdrawal was dispensed from that machine. I asked her what I needed to do and she said I needed to file a grievance with the credit card because I hadn't received the money. I called Citibank to file a grievance and they said I needed to call the ATM company because it was a cash transaction. So I called the ATM company ( XXXX ) and they told me the same thing that no money for that amount was dispensed from that machine and I needed to file a grievance with my credit card company. I called Citibank back and filed my grievance. I was told I would see a credit within 24 to 72 hours while they investigated. They gave me an email and fax number to send my paperwork. I emailed and faxed everything I had from the ATM company. To this day I have not seen a credit. I have been told they will call me back and no one has called me. I have called Citibank multiple time and have been told there is an investigation.Then the next time I call they say there is no investigation. I even had a supervisor from XXXX call Citibank ( we were on a 3 way call ). We asked to speak to a supervisor and then explained the situation to him. She told Citibank that I never received any money. The supervisor at Citibank said that there was a pending investigation on the account. It has been a month and I have not heard from Citibank and they sent me my monthly statement that says I owe the money. I never received any money and thought this matter would be taken care of in a week at the most.

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 2019-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
I had a fire at my property. On XX/XX/XXXX I contacted the servicer of my second mortgage ( LoanCare ) because their name was on the insurance checks that I received from the insurance company that totaled {$71000.00}. I was told by the Representative that I should send the endorsed checks to their office with a return envelope and they would endorse the checks within 2 business days and return them to me so I could forward them to the first mortgage holder ( XXXX XXXX ). On XX/XX/XXXX I followed up with Loan Care and was initially told that they were going to cash the checks and administer the process of releasing the money to the contractor. I reminded them that they had told me on the XXXX that they wouldn't administer the claim because they were the 2nd mortgage holder. The representative then said that she was mistaken and that they won't be administering the money but that they needed the instructions and claim information from the first mortgage holder. I forwarded that information that day and it was signed for by their office on XXXX XXXX called them again in early XXXX and was initially told that they hadn't received the information but after giving them the tracking information they acknowledged that they had it and the checks would be endorsed and returned to me within 5 business days. I contacted them again 10 days later and was told that they cashed the checks and that they would distribute the money directly to the first mortgage servicer but that because of the amount of the checks they needed, but hadn't received, the necessary authorization from their manager which they had requested 9 days earlier. They refused to put me through to a supervisor and instead brought a resolution specialist on to the call who said there was nothing they could do and I had to wait for the authorization. It is now been over 2 months since they received the checks and they still haven't released the money. The contractor has stopped working because he hasn't been paid and the house is not habitable in its present condition. I have continued making the payments but it has been a financial burden.

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 2019-10-29 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: First Data Corporation
State: NJ

Complaint narrative:
I have been cleaning all my consumer reports because I found out that there were accounts that were opened in my name that I did not authorize. While going over one report I was sent another report that had listed several checks that were written without my authorization. I am have been a victim of ID Fraud and this is an ongoing seems to be never ending saga in my life. There are several checks on this account that I want to dispute as fraud and removed as these are wrong and don't belong to. Once this is cleared up please send me an updated report with those items removed. 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 2019-10-29 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: WV

Complaint narrative:
I filed Chapter XXXX bankruptcy and is now showing closed with a missed payment. Called the mortgage company because the mortgage was never on the bankruptcy. 

They said they are showing on their end all payments on time and mortgage/ account still open. Filed a complaint through the expiren XXXX XXXX and they reported back that the organization they get their reporting through is correct. 

Want to fix this disconnect so I can get my credit reporting correctly and fair

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 2019-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2019-10-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CURO Intermediate Holdings
State: DC

Complaint narrative:
This company contacted me after I was looking for a loan. After they asked me for my user name and password in witch I sure supplied and after already being approved they then went into saying they was going to put some money in my account and take it out then submit the loan I changed my password to my bank account. Currently monitoring my account but they do have access to all my information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XX/XX/2019 I transferred {$390.00} dollars from my XXXX account to my M & T bank account like I have done many times in the past except this time it never showed up in my M & T bank account. XXXX charged me {$4.00} for the transfer to be instant but I never received my money. XXXX performed numerous traces on the transaction but every time they came to the same conclusion that the money went to M & T bank and thats all they can tell from their end. XXXX says M & T bank must of put the money in someone elses account. XXXX gave me a tracking number and said the bank could use it to find my money but the bank said that number was useless to them and they didnt know what happened to my money. I made several phone calls to them and they were less than helpful. Nobody at the bank really even tried to help me.

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 2019-10-29 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NV

Complaint narrative:
On XX/XX/XXXX I was contacted by XXXX that I had an individual mortgage with a past due amount. 
I disputed it knowing XXXX could not have documentation given that Ive ever owned that property. Even without documentation XXXX still backed XXXX claim against me. Previous to this my credit score through XXXX  was XXXX, and after dropped to the 500s.  XXXX never asked me for any money, instead they harassed me and ruined my credit. 
The documents that they had was a note I co-signed on XX/XX/XXXX. For the amount of {$97000.00}, with payments of {$1200.00}, at an interest rate of 13.03 % for the term of 179 months which ended XX/XX/XXXX. 
There is a new contract under just XXXX XXXX, who is the only signer, I am no longer a co-signer, my name was completely removed on XX/XX/XXXX. I was never notified of the new contract until XXXX. 
On XX/XX/XXXX the sole signer ( not me ) took out a 2nd mortgage in the amount of {$4300.00} making the total loan amount {$92000.00}. Both the payment and interest rate changed and the duration of the new loan note went to 27 years. This was not a modification but a whole new contract with just XXXX XXXX as the only signer. 
On XX/XX/XXXX XXXX transferred the loan to Bayview XXXX. I again disputed it but to no avail. I never received any documentation from Bayview XXXX regarding any loan. They did admit during a phone conversation that some of the documents they had were unsigned by me. 
On XX/XX/XXXX I got help from the XXXX XXXX XXXX XXXX XXXX Nevada who were finally able to obtain the documents XXXX XXXX had. In a correspondence with The XXXX XXXX XXXX they stated I had a sound legal basis for dispute. 
On XX/XX/XXXX The legal aid accomplished all they could for me given their resources and suggested I contact Consumer Financial Protection Bureau. 
This situation has affected my credit score and livelihood. I will be XXXX years old in XXXX, living on a set income from Social Security of {$1100.00} per month. As a result of my now lowered credit score I can not get approved for new low-income housing, which is needed because my rent has gone up. I was unable to get a good rate on my car loan, and even my car insurance has increased because of the low credit score. Most recently on XX/XX/XXXX I received an email thaXXXX XXXX  XXXX XXXX closed my credit card through them in which the account was at a XXXX balance and I'd never sent a late payment. 

I have almost 30 pages of documents to use to make my case. 

I have been fighting this for three years, and am hoping you are able to help. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Items being charged for have been returned no additional fees or money owed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RFNA, LP
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
I have a Caliber Home Loan account where I make monthly payments for my mortgage. At one point, like many other hard working Americans, I had fallen on financial hardships and was late on a few payments. 

I was late XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was never over 90 days. I tried my best to catch up earlier. 

I also had a second mortgage with XXXX, on the same mortgage, where I make my monthly mortgage payments. At the same time, due to financial hardships, I was late on those payments. 

I was late XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019, an unauthorized charge of {$100.00} was made from Best Buy to my Citi Mastercard. I did not authorize this charge. Best Buy and Citigroup are both giving me the runaround. I just want the charge reversed.

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 2019-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2019-10-29 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: Monterey Financial Services LLC
State: CA

Complaint narrative:
Items being charged for have been returned no additional fees or money owed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: MD

Complaint narrative:
I have paid off all debts I have no negative history I have zero credit inquiries and have had a credit card from XXXX : XXXX  XXXX XXXX - XXXX : XXXX XXXX XXXX XXXX   / XXXX XXXX . XXXX XXXX. You only show the XXXX card on my history. Every month I pay all my bills on time plus car loan that you have on file, but no increase in points, and another car loan paid off in good standing and that did not move my score not even by one point,?? Why is this??? I have three As a B and C instead of Cort factor and if you look that up you will see 800s point score.

Exceptional= Financial debt 0 % Exceptional= credit usage 0 % Exceptional= payment history 0 % negative Excellent = age of credit 3.. years, even though its actually over 10 years Good = Mix file that are open 2 Exceptional = credit inquiries 0 % Im supposed to have XXXX not XXXX Age of credit, is suspect with Equifax because Equifax has on file XXXX credit card in XXXX. but do not showing up in age of credit? I asked Equifax to look into this and they gave me this case number XXXX can you guys fallow up on this case for me.

Company response to consumer: Closed with explanation