vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-02 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: NJ

Complaint narrative:
I have accounts listed on my credit repair that doesn't belong to me. I never gave anyone access to personal information to apply for these accounts listed below. 



XXXX XXXX -opened XX/XX/XXXX amount {$930.00} XXXX XXXX opened XX/XX/XXXX amount {$790.00} XXXX XXXX XXXX opened XX/XX/XXXX amount {$0.00} XXXX XXXX -opened XX/XX/XXXX amount {$0.00} XXXX XXXX XXXX XXXX- opened- XX/XX/XXXX amount {$3900.00}

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 2020-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I was unaware of this lawsuit judgement until it appeared on my credit report. I looked up the court case and they stated they served me and described me as XXXX and XXXX pounds. 
I am XXXX and I weigh XXXX. This is unfair debt collection acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
OnXX/XX/2019 I mailed two letters of dispute for an alleged collection with a balance of {$790.00} to Portfolio Recovery Associates, XXXX and they were delivered XX/XX/2019 at XXXX XXXX. I mailed the same letter twice being that they reported two different address on the credit reports where this alleged debt is listed under my Social Security number. On today, XX/XX/2019 I received two separate letters both dated XX/XX/2019 from Portfolio Recovery Associates, XXXX stating that, " In our previous letter to you, we requested that you send our company additional information pertaining to the account referenced above so that the Disputes Department could complete the investigation of the alleged dispute. '' ( Note that in the comments on my XXXX credit file, this company states that they've " completed investigation of FCRA dispute ). Listed on my credit files ( XXXX, XXXX and XXXX ) are the comments " consumer disputes after resolution '', " dispute resolved ; customer disagrees '', and " subscriber reports dispute resolved ; completed investigation of FCRA dispute ''. I have never received ANY letters from this company whatsoever regarding this alleged debt listed under my Social Security number except for the letters stated above delivered XX/XX/19. I have also never signed any law binding contractual obligations with this company to repay this alleged debt. Also note, per my XXXX   credit file, the account status is listed as Closed, but this alleged debt is in collections being reported as Failed to Pay -- to date. Portfolio Recovery Associates, XXXX is reporting differently to each of the previously mentioned Credit Bureaus ; items such as account number, account status, terms, and original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
The Driver 's License expiration date is incorrect as listed on the XXXX report for XXXX XXXX XXXX and for XXXX XXXX XXXX. This is information was supplied by BANK OF AMERICA to XXXX for three accounts ending in XXXX, XXXX and XXXX. 

The expiration date of XX/XX/XXXX does not belong to either XXXX or XXXX resulting in inaccurate information reporting being furnished to XXXX by one of its participating financial institutions. 

Inaccuracies, in addition to the incorrect ID Expiration Date are as follows : Acct XXXX ( checking ) was closed on XX/XX/XXXX : On both reports it states {$0.00} Interest Paid on XX/XX/XXXX this is inaccurate information stated on both of our reports as the account closed on XX/XX/XXXX On XXXX report it states an inaccurate address and an inaccurate email address this is inaccurate information as these have never been associated with him Acct XXXX ( savings ) was closed on XX/XX/XXXX : On XXXX report it states activity on XX/XX/XXXX yet it is not recorded on XXXX report yielding reporting differences/discriminations On XXXX report it states an inaccurate address and an inaccurate email address this is inaccurate information as these have never been associated with him Acct XXXX ( CD ) was closed on XX/XX/XXXX : On XXXX report it states {$0.00} Interest Paid on XX/XX/XXXX yet it is not recorded on my husbands report this is inaccurate as the account was closed XX/XX/XXXX and there are reporting differences/discriminations On XXXX report it states an inaccurate address and an inaccurate email address this is inaccurate information as these have never been associated with him Because of these numerous reporting inaccuracies and because of discriminating reporting practices, we would like resolution as follows : 1 ) Remove the three accounts, in totality, from the XXXX Report and any other consumer reporting entities for both XXXX XXXX XXXX. 
2 ) Send a letter detailing the investigation findings as to how these inaccuracies were associated with us and subsequently why they were reported to XXXX. 
3 ) Have new EWS reports sent to both of us following inaccuracy corrections.

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 2020-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I received a credit monitoring alert via XXXX XXXX regarding a Collection Account that was placed on my credit reports by SEQUIUM ASSET SOLUTIONS. I immediately researched this name and contacted the company by phone. They told me that this was placed with them for collection by XXXX XXXX for a XXXX   XXXX bill. Their representative told me that they've had the account placed with them since XX/XX/2019 and that the address on the account was someplace in New York. She also said it looked like a pretty obvious case of identity theft. 

She gave me a URL to follow in order to file an identity theft claim with XXXX XXXX. When I reviewed the materials after hanging up I discovered that they want me to prepare a notarized statement and file a police report with my local police department. I am not going to do this. These requirements are onerous, punitive and frankly ridiculous. Local law enforcement has no jurisdiction over, nor interest in an act of consumer fraud committed in New York. Their resources should not be diverted away from protecting the local community just so the idiots at XXXX and Sequium can have a piece of paper to cover their mistakes. 

I am a victim of XXXX XXXX poor account verification procedures and of Sequium 's  violation of the Fair Debt Collection Practices Act. Both parties should be severely penalized for what I consider to be gross corporate misconduct. 

I have resided at the same address in South Florida for 25 years. If XXXX XXXX ( whoever THEY are ) performed even the most cursory review before opening this account, they would have known that this wasn't me. Had Sequium Asset Solutions done the same upon receiving the account they would also have known immediately that this is not my debt. They did NOT contact me to verify the debt as required by law. I contacted them when I learned about the reporting. Instead, they maliciously reported negative information causing severe damage to my financial standing via a XXXX point drop in my credit score. In 60 years I have never had a single late payment, much less a default, so I do not take this lightly. 



Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: TX

Complaint narrative:
Please be advised I have submitted all my information and offer to the lender for review of a short sale. I have true hardship no money, no type of income and need to have the lender complete the review so I could avoid facing foreclosure. Borrower was in XXXX lastly working and has no income at this time and a cash offer of XXXX on the home. We kindly need assistance to have the home reviewed for the short sale. Full packet is with the lender.

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 2020-01-02 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: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
OLD AND INCORRECT INFORMATION WRONG ACCOUNT BALANCES THAT I HAVE PAID. THEY USE XXXX XXXX IS ALSO REPORTING A {$900.00} BALANCE XXXX XXXX CREDIT REPORTING IS WRONG AND SHOULD BE REMOVED OVER SEVEN YEARS OLD. INCORRECTLY REPORTING {$900.00} I PAID XXXX. SOMETHING IS VERY WRONG HERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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 am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA 's. On XX/XX/2019, 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 Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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 am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA 's. On XX/XX/2019, 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 2020-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
My husband & I have been having ongoing issues with Specialized Loan Servicing,  all summer long we were in contact with the attorney generals office, consumer complaints, finally they agreed to a loan modification which lowered our monthly payment, we make payments on time, money has come out of our account every month. As of two weeks ago we received a statement saying we were in default, we have emails, bank statements, canceled checks to prove our payments have come out our account, since this statement two weeks ago we have not been able to communicate with anyone from this company, I recorded the calls & everytime we have called we are told to call back in 30 minutes as the office is currently closed for a company meeting. We have never recieved a foreclosure, they are claiming we are a year behind on payments, nothing makes sense @ all, our monthly payment comes out of our checking account. Our money is going somewhere & apparently not on our mortgage. We are trying to refinance to get away from this company, we dont wan na lose our home, & it is also ruining our credit. We have spoken to a loan officeXXXX that is more than willing to help us resolve this issue, & your company Conumer financial protection was highly recomended, If we can get SLS to take the credit marks off our credit report we can move on & resolve this long goin issue. PLease Please Please help us resolve this matter & help us keep our home.

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 2020-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I bought the car from Kia and they went through Kia Motors Finance. I have spoke with their company several times and I was originally advised on their recorded line that they would put two payments at the end of the loan. After several calls they changed it and I asked for a manger to review calls because this is a UDAAP violation. They would not, they would not return my calls. I continued to call for a manager. They put me on a DNC list and I didnt ask them too. Now my car was repoed due to being 59 days late. While trying to get it resolved I asked the rep if I was in danger of repossession and they stated no. The Repo company now charged me XXXX to get my belongings and stole some of my items out of the car. This must be fixed. If not I will seek a lawyer to have KMF pay for all this emotional stress and health issues they are causing.

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 2020-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My full legal name is XXXX XXXX XXXX. Someone named XXXX XXXX used my social security number to open a credit card with XXXX 's on XX/XX/2018 and made a purchase of {$1200.00}. This was illegal. I don't know this person. I have filed a identify theft report with the Police Department. I have opened a dispute with Bloomingdale 's Fraud Investigation Department. However, the Credit card issuer Bloomingdale 's Fraud Investigation Department XXXX XXXX XXXX, XXXX OH XXXX informed me that I am responsible for the charges on this authorized credit card. I have spent many months to revolve this issue with the issuer. I followed the instruction given to me by their Fraud department. I sent them my police report, proof of identify and Social security card. My social security card and ID clearly indicate I am not this person name " XXXX XXXX ''. Unfortunately, the credit issuer wouldn't help me to resolve this issue. I am really desperate. I have exhausted all the available help I could find. I am a low incomer. I could not afford to pay for this outrageous charge. Please advise me what should I do to to resolve this issue and further prevent someone steal my identify for their financial gain.

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 2020-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On New Years XX/XX/XXXX somebody applied for a JPMCB credit card and I received an e-mail notification from Chase stating that the decision will be mailed which is how I found out. I know I didn't apply for a credit card so when I go in my e-mail I can also see whoever it is is deleting the notifications from my e-mail. I immediately called Chase. It shows an address on my credit file that doesn't belong to me which is XXXX XXXX XXXX, XXXX XXXX MA XXXX Single Family. This is obviously the person ( s ) who applied for the card. They even changed my e-mail and phone number which Chase took care of. They also applied for a {$10.00} Chase reward card. My credit has been affected by this and this is not me. Please correct it as I don't want to be responsible for something that I did not do. Please advise on the matter. Thanks in advance. I also see that my birthday is wrong. I do not know why it shows as my daughters birthday as she got hacked on New Years too. My birthday is XX/XX/XXXX NOT XX/XX/XXXX. Please correct the information. Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: TX

Complaint narrative:
I had a contract ( 2nd round of contract ) with XXXX XXXX. I fulfilled my contract and kept service for the full term. Once I switched to another provider they billed me for the contract penalty of {$250.00}. This is inaccurate as I completed my contract. I have called and they said they would adjust but they have not and this company has put in on my credit file and calling me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
ON XX/XX/2019, Citibank closed all 3 of my credit card accounts without warning. I reached out and was told the accounts were closed do to " too many revolving accounts '' and they reserve the right to close the account at any time. What exactly constitutes " too many accounts? '' Is Citibank acting in a monopolistic manner in which they need to be your only creditor so that they make the most money? Can one not have credit lines with other financial institutions? My credit is flawless and that is the reason I and able to pick and chose which credit lines to use. I believe Citi observed that my balances were always paid in full, and that they were not earning money by charging me interest. 

Payment was always mad in full and on time. 
Oldest account open for 8 years As a result of Citi 's action, my credit score will be negatively effected by lowering amount of available credit thus increasing credit utilization percent. It will also damage the age of accounts since the oldest account with Citi was 8 years. 

Credit card companies should not be able to close your account for doing business with other financial institutions by damaging your credit score,

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 2020-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
IQ Data is a completely unreasonable arm of the rental industry and a disgrace to multifamily properties. 

The first time they call they assume we are losers and they are not shy about lecturing us on how to manage our finances. Both I and my wife have an 800+ credit score and make a high six-figure income. What makes them think that we would try to cheat a property management company for {$250.00}? 

Anyways, the property management company already said they have corrected the amount we owed as there were double charges but the IQ Data insists to pay the original amount. Their representative ( XXXX ) is so rude that she talks over us all the time and don't even want to listen to anything else. 

It's so sad that these people are forced to work in such kinds of jobs and trained by vultures. I can just imagine how XXXX up kids they would be raising after doing such horrible jobs. Hope CFPB can control this beast of company and get relief to American families who are just trying to survive from day to day.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc.
State: TX

Complaint narrative:
This is not my debt. I have never done business with this company yet they continue to harass me and threaten to keep calling no matter what I tell them. I asked them to send me proof that I signed up for their service and they said they don't have to do that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
There was no response to the 3 issues that I am concerned about that needs Investigation on 1. Regarding the {$250.00} Pay for Performance under the 2MP Program I did not receive that credit. The dates below shows the years I did not receive. 

The Issues I have concern about were not addressed ( If they were please advise where ) program was not received for the year XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
( I asked for a copy & that's not been provided ) 3. The $ XXXX ( {$5000.00} ). one time incentive payable the 7th year was not added to my account, the Frank Certification (  form 720 ) Wells Fargo did not follow the guidelines of payment, I never received payment. 

4. ( For each payment, a portion was added toward the Principal & a percentage to the Interest. 
percentage applied to Principal & percentage toward the Interest. 

5. I would like to get a document that shows what my payoff would be for this account.

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