vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-20 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: NY

Complaint narrative:
The following accounts : Account Name Fraudulent Acct. Opened Fraudulent Balance 1. XXXX XXXX XXXX XX/XX/XXXX {$8700.00} 2. XXXX XXXX XX/XX/XXXX {$350.00} 3. XXXX XXXX XX/XX/XXXX {$0.00} 4. XXXX XXXX XXXX XX/XX/XXXX {$3700.00} 5. XXXX XXXX XXXX XX/XX/XXXX {$210.00} 6. Dept of Education XX/XX/XXXX {$6400.00} 7. Dept. of Educaton XX/XX/XXXX {$1000.00} 8. Dept of Education XX/XX/XXXX {$3900.00} 9. Dept of Ed XX/XX/XXXX {$2700.00} 10. Dept of Education XX/XX/XXXX {$3600.00} 11.XXXX  XXXX XX/XX/XXXX {$1000.00} 12.  XXXX XXXX XX/XX/XXXX {$3100.00} 13. XXXX XXXX XXXX XX/XX/XXXX {$830.00} 14. XXXX XXXX XXXX XX/XX/XXXX {$930.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: NY

Complaint narrative:
The following accounts : Account Name Fraudulent Acct. Opened Fraudulent Balance 1. XXXX XXXX XXXX XX/XX/XXXX {$8700.00} 2. XXXX  XXXX XX/XX/XXXX {$350.00} 3. XXXX XXXX XX/XX/XXXX {$0.00} 4. XXXX XXXX XXXX XX/XX/XXXX {$3700.00} 5. XXXX XXXX XXXX XX/XX/XXXX {$210.00} 6. Dept of Education XX/XX/XXXX {$6400.00} 7. Dept. of Educaton XX/XX/XXXX {$1000.00} 8. Dept of Education XX/XX/XXXX {$3900.00} 9. Dept of Ed XX/XX/XXXX {$2700.00} 10. Dept of Education XX/XX/XXXX {$3600.00} 11.XXXX XXXX XX/XX/XXXX {$1000.00} 12. XXXX XXXX XX/XX/XXXX {$3100.00} 13. XXXX XXXX XXXX XX/XX/XXXX {$830.00} 14. XXXX XXXX XXXX XX/XX/XXXX {$930.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: EQUIFAX, INC.
State: NM

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX / XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
On XX/XX/2020, I received a call from Mr . XXXX with Merchants Adjustment Services ( XXXX ) stating that I had 2 open accounts with XXXX XXXX XXXX and that if I did not pay it immediately, he would be filing that day to sue. I told him then that he could not threaten me unless he absolutely intended to take that action. After ending the call with him, I called back and spoke with XXXX, the receptionist. I told her that I was not to he contacted AT ALL via mail, email, or phone after that date. I then left a voicemail for the manager, XXXX XXXX which was never returned. Today, XX/XX/2020, I received another call from Mr . XXXX. I informed him that I requested no further contact and he started in on " Well while I've got you on the phone, why haven't you made an effort to pay this. '' I told him that was harassment. I then called and left another voicemail for Mrs. XXXX. Her assistant XXXX XXXX returned my call and informed me that all calls are recorded. I told her all of my issues and then SHE began attempting to collect on me instead of listening to my complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
on XX/XX/2020 I placed a call into Wellsfargo to recast my mortgage. I was told that I cant do it. I further asked why and they said because I modified my loan 5 years ago with them. I demanded to put {$53000.00} onto the principle of my load and they said no. I then was told someone will call me in 24 hours-no one did so I called them. They said it will take until XXXX to look at it. I never signed an agreement when I had my loan midification that I would not seek recasting. This bank has been held in contempt of congress with millions of dollars in fines. The previous CEO was banned from banking industry and the current CEO has been brought before congress. 
I am experiencing illegal predatory lending.

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 2020-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Fruad alerts have been placed on my bureau reports and I did not authorize them and have looked over all bureau reports there is no fraud I want all fraud Statements taking off all of my reports

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 2020-03-20 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX CFPB XXXX USAA RESPONSE CONFIRMS. XXXX {$170.00} & {$170.00} were USAA PERMANET CREDITS XX/XX/XXXX. see attatched. XX/XX/XXXX statement of BEGINNING FRAUD INVESTIGATION TEMPORARY CREDITS ON XX/XX/XXXX ( SAME  DAY I. REPORTED THE FRAUD. NOT A LENGTHY INVESTIGATION? ) INVESTIGATION WITH TEMPORARY CREDITS ARE AWAITING COMPLETION OF INVESTIGATION TO HOPEFULLY REMAIN PERMANET. AFTER INVESTIGATION. see attatched FRAUD LETTER OF XX/XX/XXXX USAA POLICY IS TEMPORARY CREDITS MUST BE MADE PERMANET ** AFTER COMPLETION OF INVESTIGATION. 1 ) HOW LONG DO INVESTIGATIONS TAKE TO COMPLETE? HOW COULD THIS INVESTIGATION END BEFORE IT BEGAN? ON XX/XX/XXXX?? HOW COULD TEMPORARY CREDITS BE PERMANET WITHOUT AN INVESTIGATION? WHY WASN'T AN INVESTGATION DONE??? I RECIEVED NO NOTIFICATION.. PLEASE PROVIDE WRITTEN DOCUMENTATION ITEMS DELIVERED INTO MY HANDS CONFIRMATION AFTER USAA INVESTIGATION COMPLETED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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 Been a Victim of Identity Theft I did Not Authorize any of theses Account This Is Fraud and something needs to be done About This

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Fraudulently reported account as collection. They are a debt buyer and are reporting a credit account original account XXXX, they have reported to my report after XXXX   accound was already reported as fraudulent XX/XX/2019 when first noticed. I have contacted the company 3 times to try and resolve this as they did not provide me the mandatory 30 days to dispute the account they went directly to the reporting. 
XXXX XXXX  refused to provide any information about the account, and was provided a FTC report stating not my account and they persisted for more personal information and stated they do not have to provide any information.

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 2020-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Fraudulently reported account as collection. They are a debt buyer and are reporting a credit account original account XXXX, they have reported to my report after XXXX   accound was already reported as fraudulent XX/XX/2019 when first noticed. I have contacted the company 3 times to try and resolve this as they did not provide me the mandatory 30 days to dispute the account they went directly to the reporting. 
XXXX XXXX  refused to provide any information about the account, and was provided a FTC report stating not my account and they persisted for more personal information and stated they do not have to provide any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Fruad alerts have been placed on my bureau reports and I did not authorize them and have looked over all bureau reports there is no fraud I want all fraud Statements taking off all of my reports

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 2020-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Fruad alerts have been placed on my bureau reports and I did not authorize them and have looked over all bureau reports there is no fraud I want all fraud Statements taking off all of my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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 Been a Victim of Identity Theft I did Not Authorize any of theses Account This Is Fraud and something needs to be done About This

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 2020-03-20 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 Been a Victim of Identity Theft I did Not Authorize any of theses Account This Is Fraud and something needs to be done About This

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 2020-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
In XX/XX/2019 I my Capitol one MasterCard got a fee of {$59.00}. I did not see a bill in my email for it and as I have always had XXXX balance on this card I havent been watching the account. In XXXX I a late fee was added new bill totaling {$89.00}, still never saw a bill. In XXXX another late fee was applied total bill is now {$120.00}. This bill I saw in my email. I payed it as soon as I saw it. I called but just get the run around. Not worried about the late fees after all it is a late payment but my credit took a hard hit. Last I looked while refinancing our home it was down to XXXX it used to be around XXXX! I have never before had a late payment seems pretty extreme for missing a payment on a XXXX  balance card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Sears has an old debt reporting on my credit that was paid off in XX/XX/XXXX from back in XX/XX/XXXXand l used a consolidation service to pay off all debts. Sears agreed to a settlement of the account and we paid the amount but now they are saying I had another account which I did not. Now from my understanding from being on the phone with them for many hours, is the account is too old to do anything but send a check to an address and they will not accept the settlement letters or remove it from my credit. Please help me remove this from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE collections is wrongfully reporting a collection on my credit for the amount I DON'T OWE. I requested validation of debt and who the original creditor was they have NOT provided any information on that and now threaten to take legal action for this debt which they say was originated in 2014? .... how is this legal CMRE FINANCIAL # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase bank has a forced arbitration clause, which I am aware of. 

I have been trying for over two days just to get INSTRUCTIONS on how to start an arbitration claim. I've contacted chase by phone, secure message, and XXXX  without a single response. 

I'm unable to sue chase because of the arbitration clause, but now they're preventing me from starting an arbitration by ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I applied for Loan Forgiveness because of my XXXX inhibiting my ability to continue with repayment of the student loans I opened for my daughter 's education. I was told that I was approved for the Loan Forgiveness, only to find out that all they did was remove me from the loan and keep my husband 's name on the loan. Essentially, all they did was take my name off the loan. I was still in the position that I had to repay the loan, which isn't what I was trying to do at all. I needed Complete Loan Forgiveness! To this day, I am still having to pay for the loans that I was told were being Forgiven. 

I did have documents related to this whole process, I may have destroyed them because I was so upset with the final outcome and my inability to get anyone at Navient to return my calls regarding this matter. I will have to see if I kept them and then I would be able to supply them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/2019 I contacted Capital One to discuss the financial hardship and unforeseen unemployment status and my husband 's situation with his XXXX and SSI pending hearing. Capital One assured the both of us and sent me an email in XXXX to confirm our phone conversation. I was informed that we wouldn't be penalized for late payments because we would be placed in 3-6 month no penalties and free of late payment worries. However, instead capital one reported those months of financial hardship and unemployment as late payments which are now impacting our credit report. I ask that Capital One remove those late payment recordings immediately on both of my cards including my husbands card who is XXXX and unemployed and does not receive SSI still pending hearing with judge/attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Over 2 months ago, I applied for a mortgage with Pentagon Federal Credit Union. My credit score is excellent and the loan to value ratio on the loan was low. About 30 days later, the Credit Union told me my loan was approved and asked me to wire over {$15000.00} to the title company for closing, which I did. One day later, they told me they couldnt close the loan because there was a lien on the property for solar panels. After a few days of back and forth, I submitted the paperwork to get the lien cleared. Over the last three weeks, I have tried to contact Pentagon many times through both email and phone channels and have received no response. I have asked them to send back the funds and they have not. I have asked them for the status on the loan and received nothing from them. Right now, the title company still has my money and I can not apply to another mortgage company to secure the loan. I have had no communications on when or even if the loan will close. I am a XXXX XXXX on an average income and need to have the money returned so I can secure a mortgage while interest rates are so favorable. Thanks so much. Please 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 2020-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: NV

Complaint narrative:
Not my account need verification

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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:
CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT.

Company response to consumer: Closed with explanation