vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-01 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: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-07-01 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I just received notification that my addressed was changed at XXXX. Which is my correct address. My concern is that its gon na change again and then has my credit report been sent to that address? Why is my address on my file keep changing? Then you want me to send all these documents to prove where I live. I wish someone will do there job and make sure thus stops happening. Something obviously going on here. I have to call and spend hours on the phone when I call XXXX. Last time I called was on the phone and was transferred and spoke to supervisor almost 2 hours!

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 2020-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
Hello, in XXXX of XXXX I lost my full time job after working for this organization for 14 years. The same time was diagnosed with XXXX XXXX. I applied for loan modification with my mortgage company, was approved. My modification will end in XX/XX/XXXX, COVID-19 broke out. I received a letter/form from my mortgage company about COVID-19 Protection Program, I signed for it. 
I started paying my mortgage because I am afraid that I am going to be so behind and end up not being able to afford to keep the mortgage current. 
I called my mortgage company, inquire some more help to avail from them. I was asking them if I can request or apply for a program that will help me to put the mortgage payment back toward the end of my loan. Since I was laid off agin ( XX/XX/XXXX ) I was told that I am not qualified for any help because they need a pay stub from me. I was told that since I accept the COVID-19 Protection Plan, that supersede the forebearance I have currently in place. I was also told that I need to bring my account in current to get some help. How to do it, I don't know. I am actively looking for a job.

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 2020-07-01 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: DISCOVER BANK
State: TN

Complaint narrative:
Last year we after clicking on an ad about a work from home opportunity we didnt realize that we were being sucked into an online business scam costing us now over {$16000.00}. It started with a simple {$97.00} fee claiming that we would begin making money immediately. That has not been the case, we have been strung along charged more and more money all for nothing. These companies should not be allowed to take credit cards and we want these charges immediately disputed and returned to us. They have not performed and deceptively took our payments under false and misleading pretenses. While Discover says we only have 60 days to raise a claim we have found information online that says otherwise. We would like to see the following charges refunded. Thank you. 

XX/XX/19 {$97.00} by XXXX XXXX XX/XX/19 {$64.00} by XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01 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: TX

Complaint narrative:
ALL FTC VIOLATIONS REPORTED TO THE FTC AND NOW YOU COMPANIES : XXXX  XXXX XXXX XXXX  {$610.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX  XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$610.00} High Balance {$610.00} Remarks -- XXXX XXXX XXXX {$500.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX  Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$500.00} High Balance {$500.00} Remarks -- Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 75 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$4500.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$3000.00} Times 30/60/90 Days Late 3/3/2 Remarks Charged off account XX/XX/XXXX Creditor Name XXXX XXXX  Account Type Deposit Related Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$230.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment -- Amount Past Due -- Times 30/60/90 Days Late Last Reported XX/XX/XXXX Creditor Name DEPT OF ED/XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 39 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$100.00} Highest Balance {$98.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/3 Remarks Fixed rate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: TX

Complaint narrative:
ALL FTC VIOLATIONS REPORTED TO THE FTC AND NOW YOU COMPANIES : XXXX XXXX XXXX XXXX  {$610.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX  XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$610.00} High Balance {$610.00} Remarks -- XXXX XXXX XXXX {$500.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$500.00} High Balance {$500.00} Remarks -- Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 75 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$4500.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$3000.00} Times 30/60/90 Days Late 3/3/2 Remarks Charged off account XX/XX/XXXX Creditor Name XXXX XXXX Account Type Deposit Related Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$230.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment -- Amount Past Due -- Times 30/60/90 Days Late Last Reported XX/XX/XXXX Creditor Name DEPT OF ED/XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 39 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$100.00} Highest Balance {$98.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/3 Remarks Fixed rate

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 2020-07-01 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: TX

Complaint narrative:
ALL FTC VIOLATIONS REPORTED TO THE FTC AND NOW YOU COMPANIES : XXXX  XXXX XXXX XXXX {$610.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX  XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$610.00} High Balance {$610.00} Remarks -- XXXX XXXX XXXX {$500.00} Account Details Last ReportedXX/XX/XXXXCollection Agency XX/XX/XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$500.00} High Balance {$500.00} Remarks -- Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 75 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$4500.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$3000.00} Times 30/60/90 Days Late 3/3/2 Remarks Charged off account XX/XX/XXXX Creditor Name XXXX XXXX  Account Type Deposit Related Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$230.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment -- Amount Past Due -- Times 30/60/90 Days Late Last Reported XX/XX/XXXX Creditor Name DEPT OF ED/XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 39 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$100.00} Highest Balance {$98.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/3 Remarks Fixed rate

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 2020-07-01 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
Last year we after clicking on an ad about a work from home opportunity we didnt realize that we were being sucked into an online business scam costing us now over {$16000.00}. It started with a simple {$97.00} fee claiming that we would begin making money immediately. That has not been the case, we have been strung along charged more and more money all for nothing. These companies should not be allowed to take credit cards and we want these charges immediately disputed and returned to us. They have not performed and deceptively took our payments under false and misleading pretenses. While American Express says we only have 60 days to raise a claim we have found information online that says otherwise. We would like to see the following charges refunded. Thank you. 

XX/XX/XXXX {$6400.00} by XXXX, XXXX XX/XX/XXXX {$6500.00} by XXXX XXXX  {$20.00} recurring monthly XX/XX/XXXX {$2500.00} by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Have a Hardest hit Mortgage refinance federally backed through XXXX XXXX XXXX XXXX it was switched to Select Portfolio Services. They have us behind 1 payment despite submitting documentation for 18 months on time payments. Still have us marked as inpaid.Again I have documentation THEY WILL NOT ADHERE TO THE FEDERAL XXXX XXXX XXXX  PAYMENT PLAN WHICH IS INFORCEMENT UNTIL MORTGAGE ENDS .They are being predatory during the Pandemic and have ruined our credit by reporting us behind despite documentation we have paid they say they do not have uphold the XXXX XXXX XXXX  Mortgage and have changed set payment we have continued to pay monthly they are now being predatory threatening foreclosure also the lender Select Portfolio Services refuses any Pandemic relief help they are being arbitrary just wont work with us and treating us lower impuning us because we are on XXXX XXXX XXXX XXXX again they have changed the rates from the hardest hit guideline from our federal loan.They threaten foreclosure have ruined our credit by not properly applying our payments of which we have proof has been paid timely We need help asap!! 
They have added on fees above the hardest hit standard which has not expired and again are being predatory and refuse to even follow guideline for the Federal Pandemic. 
Please Please. 
Please help. 
It has become predatory calls daily, threats during the Pandemic, next most important 2 facts ..they will not ADHERE to the federal loan they took over and 2nd we are not behind we have proof we have paid they keep tacking fees and threatening us and ruined our credit completely on false reporting. 
Please. 
Please. 
Please help XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX ( XXXX ) XXXX Lender no choice of ours Select Portfolio Services Utah HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: IN

Complaint narrative:
this showed up on XXXX XXXX and I want it removed-this has nothing to do with me Amsher Collection Se Opened XX/XX/2020 {$53.00} Original creditor : XXXX XXXX XXXX Overview You have 100 % left to pay on this collection. 
Balance {$53.00} Highest Balance {$53.00} Opened XX/XX/2020 ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original Creditor Name XXXX XXXX XXXX See an error? 
You could dispute an error with XXXX. 

GO TO XXXX Creditor Information AMSHER COLLECTION SE XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: MD

Complaint narrative:
On XX/XX/20, I reached out to Experian to dispute the information below. I have not received a response. 
1. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. The status is incorrect for the following account XXXX XXXXXXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. The status is incorrect for the following account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

On XX/XX/20, Experian replied to a complaint filed with the CFPB stating that the complaint was closed because they did not feel it was filed by me. I submitted copies of my social security card and proof of address. At no point has Experian made an attempt to contact me for any additional information. This response seems to be a stall tactic for them to avoid complying with the law. This is a valid complaint filed by me, and I demand that this complaint be investigated pursuant to section 609 of the Fair Credit Reporting Act, which Experian is currently in violation of. I will forward this complaint and all correspondence to the Maryland State Attorney General for Experian 's violation of this law. 

I have filed three complaints through CFPB for this same issue with Experian.

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 2020-07-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Opportunity Financial, LLC
State: MO

Complaint narrative:
On XX/XX/2020 I pulled my credit report and saw that Opportunity Financial , LLC is showing a loan charged off with a past due amount for loan # XXXX. 

I wrote a letter and enclosed a check stating that if they cashed this check they would, show account paid in full, and remove account from ALL credit reporting agencies, cease all collection attempts and agree not to sell or transfer loan to an outside agency. 

I have attached my credit report dated XX/XX/2020, a copy of my check that stated the above information dated XX/XX/2020, a copy of the cancelled check dated XX/XX/2020 and a copy of my credit report dated XX/XX/2020 showing they have dishonored this contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: ME

Complaint narrative:
On XX/XX/XXXX, I used the Western Union App to transfer XXXX USD from my checking acct. through use of a XXXX debit card, to a bank account in the XXXX at XXXX XXXX. They told me the available date of pick up by the receiver would be XX/XX/XXXX. The tracking number of the transaction is XXXX. As of this time, the money has not been received. I've reached out to Western Union several times via the phone and on line chat, and all they'll say is that they're looking into it. I was later hung up on several times, and my on line chat was cut off before the issue could be resolved ( by XXXX XXXX XXXX ). Thanks for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: IN

Complaint narrative:
On XX/XX/2020, a collection agency, Amsher Collections, placed a debt collection on my credit report for exactly {$260.00}, that is not mine. The original creditor is XXXX XXXX XXXX. I have never had services with this copy and/or any company they used to be prior ( XXXX. XXXX XXXX, XXXX ). I reached out to both the collection agency and the original creditor and they both verified I didnt not have accounts within their systems. I filed disputes with the three credit bureaus including ; XXXX, XXXX, and XXXX. I am unsure if they are taking the proper steps to get this resolved. I received a message from XXXX  that updated information was received and the investigation was complete. It is very unclear of the results and I am extremely upset because my credit is being affected by a debt this does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: PA

Complaint narrative:
I filed a dispute with Citibank after receiving contacting XXXX XXXX XXXX  to receive a refund on a deposit paid XX/XX/20 after XXXX XXXX sent me a letter on XX/XX/20 stating my trip scheduled in XXXX could be canceled as they were suspending travel through XX/XX/20. I forwarded several emails to the billing dispute department at Citibank on XX/XX/20, XX/XX/20, and XX/XX/20. XXXX  XXXX sent an email to me dated XX/XX/20 which stated that they were suspending travel through XX/XX/20. In doing such, they breached the original agreement for travel. Despite providing this information, Citibank informed me that I should have stated I did not receive the service, versus stating the dispute was over the cancellation of service. This seems to be a play on words or mere semantics. In the end, I did not receive the service paid for. On XX/XX/20 I spoke with XXXX XXXX, XXXX of XXXX at XXXX XXXX that stated that on XX/XX/20 they agreed to the chargeback and did not dispute it. Mr. XXXX stated that XXXX XXXX is not in receipt of the {$920.00} deposit and is not certain why Citibank is stating that the dispute was not upheld because XXXX XXXX accepted the chargeback. In a time of high stress of the pandemic and XXXX bias in America, I do not think it is fair to be treated with such continued bias and unnecessary stress. Citibank has failed to help me, the consumer address this problem. Mr. XXXX provided me documentation that the chargeback was accepted, enclosed I will include it in this complaint. 

Citibank Dispute number : XXXX XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation