vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-08 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 was trying to buy my wife a necklace at XXXX XXXX XXXX today XX/XX/2020 and when they ran my credit to see if I qualified for their credit line, I was told that I was not approved because there were several negative accounts appearing on my credit report. I had no idea what accounts they were talking about because I have never missed any payments or had any of my accounts go to collections ; I looked through my credit report and there were 6 accounts and many inquiries that are not mine. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report. I did not gain anything from these accounts and I did not make any payments towards any of these accounts. I also do not have any written/verbal contract with any of these companies and I did not authorize them to run or access 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 2020-05-08 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$2000.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$5600.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 2020-05-08 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$2000.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$5600.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 2020-05-08 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am not able to take advantage of the card services that AMEX is providing like Frequent Mileage Program, Dining Credit, and even using the card due to the COVI-19 Pandemic. 
AMEX charges us {$250.00} for these and similar services. I asked them to receive partial credit and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: GA

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$430.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
equifax web site has new url and did not update access to my credit report that i pay for?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MOHELA
State: MA

Complaint narrative:
This debt is a result of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: GA

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$430.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 2020-05-08 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: GA

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$430.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 2020-05-08 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: UT

Complaint narrative:
Mixed file. Another individual 's name, social security number, and address are mingled with mine on my Experian Credit Report. I discovered this because of credit event posted by a collection agency in the amount of {$460.00} on XX/XX/2020.

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 2020-05-08 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 formally complain to EXPERIAN about the following inaccurate items reported on my credit with Experian and request that they be investigated immediately. COMPANY NAMES : 1 ) XXXX XXXX XXXX, 2 ) XXXX XXXX XXXX 3 ) XXXX  XXXX XXXX these accounts should be removed to show my true credit history as these items should not be on my report. Pursuant to the Fair Credit Reporting Act, I will expect you to complete verification within 30 ( thirty ) days. As this is a mistake and these accounts do not belong to me, I request that you send me the following proofs, as you must do so in accordance with the Debt Collection Practices Act, Section 1692g. 1 ) The original application or contract 2 ) Any statement allegedly related to this debt. 3 ) Any and all canceled checks. Under the law, you have 30 days to supply these tests. I am attaching a copy of a letter, asking you to verify the alleged debt that your company says I owe. It has been over 30 days since I sent that letter, and I have not yet received proof ( contracts, check payments, reporters, etc. ) that I have validated the debt. Therefore, in accordance with s.1692e ( 8 ) of the Debt Collection Practices Act, which clearly states that any information " ... known to be false, or should be known to be false ... '' can not be Reported to any credit bureau , I request that you immediately remove this false and misleading information. information from my credit report. Please send me a copy of my updated credit report as soon as the above is completed.

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 2020-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
I have been more than proactive in discussing options for my mortgage with the company. I was advised several times that my loan was placed into a forbearance for 90 days and after the period is up i would need to " resume payments '' I specifically asked if I would need to pay the back payments at once after the 90 days because that's not something that I could do and they said absolutely not they wouldn't do something like that. I received the letter in the mail confirming my agreement and nowhere in there does it say i need to pay the amount for the 90 days all at once either and now i get a statement in the mail saying my past due amount. I called the mortgage company and they now say once my forbearance is over i need to pay all 90 days worth of payments to avoid being behind. At no point did they mention this to be before. They said the " loss mitigation department '' will reach out to me and either see if they can extend the forbearance, offer some sort of payment plan or tell me its all due. I told them i dont wan na wait another month I need repayment options now but they are refusing to offer me any options other that pay the last 90 days of payments in XXXX. I am trying to be proactive in all of this by working out an agreement so it doesnt go delinquent but they have no plan right now, I have an FHA loan and the CARES act states they should work with me but they are not working with me. I would like to resume payments now but i don't want to pay anything until I know what is going to happen. I asked about deferment and they said this plan isnt a deferment its a forbearance but nowhere does it say that it needs to all be paid back at the end. I really just want them to defer the last 2 months to the end and resume as normal but " nobody knows the options that will be available next month '' so they arent working with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: AR

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2020-05-08 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: AR

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2020-05-08 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: AR

Complaint narrative:
I receiving a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COAST PROFESSIONAL, INC.
State: NM

Complaint narrative:
Department of Veteran Affairs is utilizing a debt collector called Coast Professionals to attempt to collect an erroneous debt related to the GI Bill. They are incorrectly reporting this debt on my XXXX  credit report in the form of two tradelines. I repaid in full a VA debt that was incurred when I withdrew from a college course. In XXXX of XXXX I received a letter from the VA confirming this debt had been paid in full. I have proof of payment and have supplied it to both Coast Professionals and the VA. They have not removed the inaccurate collections information from my XXXX credit report. On XX/XX/XXXX I requested validation from both Coast Professionals and the VA for this debt and have received nothing.

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 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I was charged {$21.00} per month since XX/XX/19 for services I never authorized via Experian. I do not have an account with them. It is not a credit card that I use and I pay the bill automatically so I haven't looked at the bill. 
I can not contact them to dispute. I have attempted both online and via the phone. I canceled the credit card.

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 2020-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc.
State: PA

Complaint narrative:
I received two calls from the company and they left two vague voicemails. I called back and provided the reference number they gave me via voicemail. The rep would not tell me any more information unless I gave them more information. I let them know I am not comfortable giving information when they did not tell me in voicemail or when I called whom they are looking for and why. I asked them I would be reporting this as it was potential phishing for personal information under false pretense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Kevin B. Wilson Law Offices
State: FL

Complaint narrative:
I received a letter from Kevin B. Wilson Law Offices XXXX XXXX XXXX XXXX, Tennessee XXXX This to the best of my knowledge this is a fraudulent claim. I attempted going through their website, through Email, Phone All reach to a dead-end. Unable to contact them. 
Letter sent to them asking for a detailed itemized bill, had no response. 

I believe this is a deliberate attempt to defraud by the hospital and the collection agency that is representing them. They have been paid in full for the services ( XXXX billed excessively, and unnecessary services ). They have a contract with my insurance company, and they are charging beyond that allowed by their contract. 

XXXX Hospital has made it a routine practice to charge beyond their insurance contract allowable amounts and adding XXXX fraudulent and medically unnessary tests and services. They refuse to provide information on the charges THIS IS A FRAUDULENT BILL AND AN ATTEMPT TO COLLECT BY HARASSMENT. 

if this is a legitimate bill, they should go to small claims court or other legal avenues. 
I am unable to contact them by Email, Phone and by mail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I opened two credit card accounts with XXXX XXXX in 2006. When I opened them I also took advantage of the unemployment insurance they were offering, as I found out later was completely fraudulent. When I became laid off from my employment, I tried to use the insurance which was completely and utterly worthless. My accounts with them were in dispute for quite some time until it became clear that they were not going to honor the insurance they provided me. In the meantime while the dispute was going on I was getting late charges and derogatory remarks on my credit until this day. They were taking advantage of peoples trust. The fraudulent insurance scheme has stopped, but I'm still paying for it through my credit reports showing all those late payments that were not supposed to be reported during a dispute process. I had to eventually pay them, late charges and all, which have been at a zero balance for five and six years respectfully, but XXXX XXXX refuses to take off my credit report. They got what they wanted, why are they still trying to hurt my credit? Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I opened two credit card accounts with XXXX XXXX in 2006. When I opened them I also took advantage of the unemployment insurance they were offering, as I found out later was completely fraudulent. When I became laid off from my employment, I tried to use the insurance which was completely and utterly worthless. My accounts with them were in dispute for quite some time until it became clear that they were not going to honor the insurance they provided me. In the meantime while the dispute was going on I was getting late charges and derogatory remarks on my credit until this day. They were taking advantage of peoples trust. The fraudulent insurance scheme has stopped, but I'm still paying for it through my credit reports showing all those late payments that were not supposed to be reported during a dispute process. I had to eventually pay them, late charges and all, which have been at a XXXX  balance for five and six years respectfully, but XXXX XXXX refuses to take off my credit report. They got what they wanted, why are they still trying to hurt my credit? Sincerely, 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 non-monetary relief
Consumer complaint received 2020-05-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Navient has been calling me for years from different numbers, including after they were blocked. They keep calling for a person that is not me ( I don't have student loans ) I have called them back to let them know they have the wrong person but it seems never to get changed and I continue to receive calls. There seems to be no recourse if they call the wrong person, and even if I was the right person, it seems terrible to be calling that often ( multiple days in a row ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Co sign for auto Loan was not aware loan not already approve XXXX XXXX allow over 10 company to run my credit which result in Hard inquiry on my credit Bureau I did not authorize XXXX  XXXX to allow inquiry

Company response to consumer: Closed with explanation