vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-30 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:
MY NAME IS XXXX XXXX Today date is XXXX XXXX & I'm The Only One Writing This complaint!!!! This Is the second time i made file a complaint with the CFPB ( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report i've try over and over to solve this matter and still haven't been solved I recently found i was involved in the XXXX  XXXX of XXXX. Also Receive a email from XXXX  today XXXX XXXX saying that Compromised Email Address Alert and that Your Email Address was exposed on the Dark Web, I'm very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit after carefully reviewing all 3 of my credit files Ive noticed that i have after finding out i've place a fraud alert on my credit file on XXXX but that still haven't help fraudulent accounts still was open after calling XXXX  i have a list of account that was open and use without my consent i also have A POLICE REPORT FROM XXXX XXXX POLICE DEPARTMENT CAD Incident Number XXXX and My FTC report # XXXX, here 's the list of accounts that was open fraudulently XXXX XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$24000.00} XXXX XX/XX/XXXX XXXX XXXX/XXXX  {$300.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXXXXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$680.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX  XXXX {$550.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX/XXXX XXXX  {$1800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX ( XXXX ) XXXX PLEASE HELP ME i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports IF XXXX Failed To Remove These Accounts or Do A Proper Investigation Into This Matter By Providing Proof Of Verification Such As Contracts Sign Ducs, and Proof Of Id Ill Be Seeking Legal Assistance To Press 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 2020-09-30 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: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
Over the course of a few years I have contacted Wakefield And Associates about two debts ( {$2000.00} and {$1300.00} ) from the same day and company that are not mine. They refuse to to send me any information about the debt except to say it was for medical fees and from a company called XXXX XXXX XXXX but would not give me any way to contact them or identify which XXXX XXXX  XXXX is was because there are dozens of companies with that name. They admitted they had an improper address on file and changed the address but still would not send me any information or validation of the debt. I have requested it three times over the course of 3 years and most recently 60 days ago. They also keep updating the date of the debt despite no changes to make it appear more current and have more impact on my credit report. Wakefield and Associates also used the new address I gave them to request a letter of validation to validate the debt to my dispute with the credit agencies ( even though that's not possible since I only recently moved to that address )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
Credit report shows a collection account from CBE Group collection agency stated I owe {$110.00} to XXXX XXXX. I've paid and close my account with XXXX XXXX. I do not owe them anything.CBE Group never sent me any verification that debt is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I applied for an apartment today XX/XX/20 and unfortunately I did not get approved because apparently there are several accounts in negative standing appearing on my credit. I was not aware of these accounts because none of them belong to me. The accounts are from the following companies. XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I have never opened an account with any of these companies nor have I given anyone else permission to open an account with these companies on my behalf. I do not have type of contract with any of these companies ; I did not benefit anything as a result of these accounts being open in my name without my permission such as money, goods, services or any other benefit and I am not responsible for any of these debts. I filed a complaint with the Consumer Financial Protection Bureau as well as filed a police report regarding these unauthorized accounts

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 2020-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for an apartment today XX/XX/20 and unfortunately I did not get approved because apparently there are several accounts in negative standing appearing on my credit. I was not aware of these accounts because none of them belong to me. The accounts are from the following companies. XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I have never opened an account with any of these companies nor have I given anyone else permission to open an account with these companies on my behalf. I do not have type of contract with any of these companies ; I did not benefit anything as a result of these accounts being open in my name without my permission such as money, goods, services or any other benefit and I am not responsible for any of these debts. I filed a complaint with the Consumer Financial Protection Bureau as well as filed a police report regarding these unauthorized accounts

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 2020-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/30 Chase Bank decided to close my account for NO reason. I have always been in good standing with all my bank accounts. There was absolutely no reason to close my account. They had no basis, other than race. I have a credit card with Chase with a XXXX credit limit. I always pay that card off to a XXXX balance when I use it. I did go into a Chase branch location and they did treat me a little differently because of my skin color. So I walked out. Then today I tried to log into my account and it was blocked. I called the bank and they could not give me any explanation on why they have closed the account. I feel Chase is discriminating against me because of my race. That is why they were having trouble explaining to me why they are closing my account. I had money in the account to that I will need return. My wife is a XXXX. She is going to refer me to another legal expert who's specialty is discrimination. I am very successful. I have money in different banks. The other banks where I hold my accounts don't discriminate against me because of the XXXX of my skin. Chase Bank has XXXX tendencies that need to be addressed. You can't treat the consumer this way. Chase could not give me one reason why they closed my account. Not one reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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:
MY IDENTITY WAS STOLEN THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CO

Complaint narrative:
The amount Cardinal Financial took from me to pay off my loan with them when I refinanced is more than they should have. I've talked with them several times and each person I've talked to agreed the numbers didn't make sense so they resubmitted it to be officially reprocessed. After 2 months of waiting for this response, it came back and was clear either the person didn't pay attention to the complaint or doesn't understand how the numbers should balance because they confirmed that their numbers are correct even though it doesn't make sense. Details below : XXXX XXXX XXXX sent {$500000.00} to Cardinal Financial to payoff my mortgage ( per attached final escrow statement ). 

On XX/XX/2020 Cardinal Financial processed a total of {$500000.00} from me broken down as {$490000.00} as principal, {$1900.00} as interest and {$110.00} from my escrow account. ( per attached  screenshot of my Cardinal Financial account, transaction from XX/XX/2020 down towards the bottom ). 

Cardinal Financial shows the amount to payoff loan in full was {$500000.00} ( per attached payoff statement from Cardinal Financial ). My first question is why this should be different from the {$500000.00} that the escrow/title company thought was the full payoff amount? I don't understand why those numbers are different but I will assume Cardinal 's number is correct ( but I can't feel confident in any numbers produced by them ).

Cardinal says they did not receive payoff funds until 2 days after what was included in the payoff statement so there was 2 extra days  of interest. {$47.00} per day times 2 days equals {$95.00}. They also mention the fact that they received {$19.00} less from the title company than what was needed to payoff the loan. Given they received the funds 2 days late, the new total to payoff the loan should be : {$500000.00} + {$95.00} = {$500000.00}. ( I shouldn't need to add the {$19.00} again because that's included in their payoff amount of XXXX ). 

The transaction on XX/XX/2020 shows that I paid a total of {$500000.00} which is {$82.00} more than the {$500000.00} I should have paid. 

If their payoff number is correct they should pay me {$82.00}. If the escrow/title company 's payoff number from their final statement is correct they should pay me $ XXXX $ XXXX {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwestern Health Management INC
State: MO

Complaint narrative:
My wife and I found several collections from Northwest Financial Services/ Midwestern Health Managment . We didn't know anything about the debts but they were all marked as a medical bill. I attempted to contact them via phone, but they were unresponsive. I have sent three requests for validation in both my wife and I 's name. We mailed them on XX/XX/2020, XX/XX/2020, and on XX/XX/2020. During that time frame, we sent letters to the credit reporting companies and all but three of the accounts have been deleted. But to this day, we still have not gotten any paperwork from the Collection Company. Since they are joint accounts, we filled out an FTC Identity thief report and sent that paperwork with a letter of explanation on XX/XX/2020. Again we get nothing back from the collection company but Northwest was able to respond to all three credit reporting companies that the debts were validated. I don't know what to do at this point. My wife and I are not responsible for these bills. And at this point, Since they refuse to respond to me, I guess my next steps are to contact my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Society Business Services, Inc.
State: TX

Complaint narrative:
I mailed a certified letter to Med Soc/Bureau of Med Economics on XX/XX/2020, certified mail receipt # XXXX XXXX XXXX XXXX XXXX and it was received by their office on XX/XX/2020. In my letter, I requested supporting documentation to prove that this debt belonged to me. To date, the company has not even responded to my letter at the very least and it has been longer than 45 days since they received my certified letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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:
MY IDENTITY WAS STOLEN THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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:
MY IDENTITY WAS STOLEN THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I applied for an apartment today XX/XX/20 and unfortunately I did not get approved because apparently there are several accounts in negative standing appearing on my credit. I was not aware of these accounts because none of them belong to me. The accounts are from the following companies. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I have never opened an account with any of these companies nor have I given anyone else permission to open an account with these companies on my behalf. I do not have type of contract with any of these companies ; I did not benefit anything as a result of these accounts being open in my name without my permission such as money, goods, services or any other benefit and I am not responsible for any of these debts. I filed a complaint with the Consumer Financial Protection Bureau as well as filed a police report regarding these unauthorized accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
I submitted a complaint with CFPB in XXXX of 2020 asking that Cardinal Financial remove a negative mark on my credit. The response came back from them stating that they would take care of it. This was at the beginning of XX/XX/2020. They stated that it could take up to 90 days to have the negative mark reported and removed from my credit. I have checked my credit and it is still on the report. I have tried to contact Cardinal Financial and am put on hold for over an hr each time with the result of not speaking to anyone. I would like for them to get this removed from my credit as they said they would from my last claim suggested when I filed with CFPB. I am highly disappointed in the lack of customer service with Cardinal Financial concerning this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I received a call while at work so I let it go to voicemail. A man indicating he was from FIA card services stated he had " 2 documents '' that would be turned over to the court if I did not call him back within 24 hours and it was in my best interest to call him or there could be negative legal implications. His name was XXXX XXXX and direct phone number XXXX I called him approximately 2 hours after the call. He again stated " he had 2 documents '' but would not tell me what these documents were. He stated I opened a credit card XX/XX/XXXX that I did not pay and was charged off XX/XX/XXXX. I tried to explain to him he had the wrong XXXX XXXX and that I did not open a credit card in XXXX because I was out of the country on my honeymoon during this date. The man on the phone became very aggressive and belligerent stating he was going to send the " 2 documents '' to the county court, although he would not tell me which county. 

I again tried to explain he had the wrong person and he would not listen so I told him to go ahead and send the documents to the court. The bullying and threatening behavior of these people are completely unacceptable!

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 2020-09-30 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: NY

Complaint narrative:
Date : XX/XX/2020 Amount : {$180.00} Action Taken : I submitted a complaint through the CFPB and by mail asking for the authentic contract or application that created the debt. I asked for theauthentic contract for further review or this is considered willful intent to damage my credit worthiness. There is 1 account in question labeled XXXX XXXX. This means that EQUIFAX needs to send me the authentic contract or application as proof of compliance with the Fair Credit Reporting Act. The Fair Credit reporting act states that the authentic contract or application is to be shown to the alleged debtor when the alleged debtor submits a claim of fraud to the entity trying to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: LA

Complaint narrative:
I SENT 2 LETTERS TO EQUIFAX ON THE XXXX AND XXXX OF XXXX, WITH NO RESPONSE CONCERNING THE INACCURATE ACCOUNT OF XXXX  , XXXX.THIS HAS BEEN A STRESSFUL PROCESS WITH NO HELP IN THE MATTER.XXXX ARE REPORTING DUPLICATE ACCOUNTS WITH EQUIFAX AND THEY WONT REMOVE THE ERRORS.I HAVE ATTACHED THE COPIES OF THE LETTERS BELOW

Company response to consumer: Closed with explanation