vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-24 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 REVIEWED MY CREDIT REPORT AND FOUND SOME ACCOUNTS THAT WAS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. BECAUSE OF THESE NEGATIVE ACCOUNTS IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE NEGATIVE ACCOUNTS AND HAVE THEM REMOVED OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-06-24 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:
XXXX XXXX is not my credit card I have reported multiple times regarding this account and XXXX XXXX keeps telling me it is mine because they are tracing it to me and someone making payments to the account. I never had accounts with XXXX XXXX nor any accounts with XXXX XXXX  where the payments came from. I am a victim of identity theft and attached you will find the police report. thank you

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 2020-06-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Back in XXXX, 2020 I sent a certified letter to XXXX, Experian, and XXXX  regarding incorrect, accounts that they are reporting in my credit report. This also included over 15 addresses and multiple incorrect versions of my name, phone numbers, and employment information. 
I asked that the personal information gets deleted as they are outdated and no longer applicable to my current status and for fear of identity theft, asked that the information should be deleted, which they have not deleted per the most updated credit reports that I have received in XXXX. 
There were several accounts that reports as charged off and or in collections, and for each of the credit bureaus, the information across all three has not been reporting correctly, in the amount of the debt, date of last activity, and many other areas that is reporting incorrectly. I sent letters requesting that these information is disputed and requested that upon the outcome of their investigation that I receive updated credit reports, and method of investigation process none of this has been done. 
Responses from the bureaus are that the items are verified and remains, I sent follow up letters asking for the methods of verification, and received again that the accounts are verified and or updated. 
During said process I have sent certified letters to the collection company 's and have got back responses that they either do not have documents and are contacting the original creditor and or asking me to provide them with documentation to support my request for them to validate the debt. 
it is now XXXX, 2020 and I have not gotten any results from the credit bureaus and or collection companies. 
Please help me in getting closure and or results from these companies XXXX, Experian, XXXX  ( XXXX XXXX XXXX XXXX ), XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX  XXXX XXXX XXXX ) Thanking you in advance

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 2020-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC
State: AZ

Complaint narrative:
In XXXX I had made a payment in accident of {$2000.00} instead of my payment that was due for XXXX It was made within the 30day so it should not be late. During the month of XXXX my son was in and out of hospital with major medical issues. I was not thinking well and its reporting late on my credit, I don't think this is a fair situation to be reported late as I was still within 30 days that I made the payment. I believe this is unproperly treatment for a customer that has been paying on time every time. 

Company did not send a response but closed by claim without consideration I can provide medical record if needed but I believe that is a little personal to disclose but if needed will be more than likely to do so.

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 2020-06-24 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 looking at my credit report today XX/XX/2020 because I'm thinking of refinancing my mortgage soon, however, I saw two accounts that aren't mine. The accounts are from XXXX XXXX  XXXX for {$140.00} and XXXX XXXX for {$550.00}. I did not open those accounts nod am I affiliated to those companies in any way. I have never allowed anyone to open these accounts using my personal information nor did I benefit anything from these accounts such as money, goods, services or anything else and I did not have anything to do with any payments that might have been made towards these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is acting in an unethical manner. Experian is being unfair. I sent in my ID for verification and two identity theft affidavits. I have sent an ID Theft letter and police report several times to Experian and they refuse to remove this debt that was involved in identity theft and are reporting a debt that was involved in identity theft. They are also reporting addresses I have never resided at and names. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX were involved in ID Theft

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 2020-06-24 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: MA

Complaint narrative:
Trans union is reporting a debt that I do not owe. This debt has not been validated as mine. 

Lender Name : Collection Amount : {$4500.00} I have tried to dispute on several occasions.

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 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was looking at my credit report today XX/XX/2020 because I'm thinking of refinancing my mortgage soon, however, I saw XXXX accounts that aren't mine. The accounts are from XXXX XXXX  XXXX for {$140.00} and XXXX XXXX for {$550.00}. I did not open those accounts nod am I affiliated to those companies in any way. I have never allowed anyone to open these accounts using my personal information nor did I benefit anything from these accounts such as money, goods, services or anything else and I did not have anything to do with any payments that might have been made towards these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My mortgage loan was transferred to new mortgage service in XX/XX/XXXX. The new mortgage servicer sent my documents to other 3rd parties but not to me. They refuse to communicate verbally and will not mail me my monthly mortgage notes to my home address. However they do send me unrequest home appraisals and charge me for them as well. 

In addition, their disputed owed amount is erroneous. It was erroneously claimed by previous the previous FIVE ( 5 ) servicers. I am disputing these maliciously erroneously claimed amount with previous service-rs in the courts. 

However, until this matter is cleared, this NEW COMPANY 's malicious and fallacious claims are ruining my credit, and the opportunity to get away from a usurious interest-only loan acquired in the XXXX to XXXX home financial crisis. 

I am paying an interest rate of 6.125 % and it will climb to 6.75 % in the next 2 years. I can not afford to continue to trow hundreds of thousand of dollars, for the next 30 years, just because they claim it to be so! 

Since XXXX of XXXX thru XX/XX/XXXX, I have paid in excess of {>= $1,000,000} dollars in pure interest because they purposely muddled my payment history in order to force me into foreclosure. 

I beg you, please review my document package, it list every cashed check from XX/XX/XXXX, to XX/XX/XXXX. Every one has been cashed by their respective holders withing a 30 day period of their receipt. 

I would welcome a little bit of justice, just enough to stop being ripped to shred 's by the viscous predators that this industry have become. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One was one of the few credit card companies willing to extend credit in the wake of my 2010 bankruptcy ( though many years later ). And at the time they charged a very high interest rate 22.9 % and higher. As my credit has improved they do not even consider lowering this interest rate, and have told me that the rate will not be changed from the initial rate. The fact that the rate is based on out-of-date information does not concern them. 

This was confirmed by the rep 's supervisor, who I got on the phone. He was entirely unapologetic, though acknowledged that they get complaints about this. I told them I would do anything possible to pay off their credit card and endeavor not to ever use them again. I have been unable to strictly stick to this, but I did pay off both cards with a loan. 

There may be fine print dealing with this situation -- who would know? But this is inherently unfair, and penalizes people who area already vulnerable, but are trying to raise themselves up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/2020 I sent a letter to all three credit bureau 's asking them to send me a letter of " Method of Verification '' as to how they obtained information about a bankruptcy on my credit report. In that letter, which I sent certified to each, I enclosed a copy of my DL, SS card, CCW license, and a copy of my lease. More than sufficient to identify me. None of them responded so I sent another letter with a copy of the first letter and my identifiers enclosed again on XX/XX/2020 asking if they would please respond. Still nothing from any of them. Then I called Transunion which was the only one I could get a human on the phone to talk to and I got a supervisor named XXXX. XXXX proceeded to tell me that even though they didn't respond in the 30 days per the Fair Credit Reporting Act, he wasn't removing anything from my file because the letter I submitted from the Bankruptcy Court stating they do not report to the credit bureaus - he would not accept because it didn't have my case number and the seal from the court. Clearly continuing to violate my rights under the Fair Credit Act saying that they are required to remove it from my credit report because they failed to respond in the 30 days. I then submitted a 3rd letter from the court with my case number and the seal on said letter plus all other additional letters and ID 's previously mentioned, again certified to all 3 credit reporting agencies on XX/XX/2020 demanding them to remove the bankruptcy from my credit report ASAP. I have still not heard anything! I am now in touch with an attorney to help me take them to court to have the bankruptcy removed. This is ridiculous. They have not responded in over 70 days to anything.

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 2020-06-24 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: AL

Complaint narrative:
My identity was stolen and an account was created under my name a social with XXXX XXXX in XXXX of XXXX. I contacted the company immediately to let them know this account is not mine and it needs to be investigated removed. I was told there is nothing they can do and they apologized for the mistake. Months later late payments are being reported on my credit report after I have contacted them and told them this was not my account and even had a police report filed in XXXX of XXXX. It is now XXXX of XXXX and every time I try to dispute this with Experian they keep sending me an error message saying " We're experiencing technical difficulties and can not access your report at this time. Please try again later. '' This is unacceptable!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am a loyal Bank of America customer of almost 10 years. My rent check of {$1900.00} was stolen in XXXX. I filed a claim and it was confirmed on the same phone call that someone with a different name and bank account got a hold of my check, and deposited it somewhere in Florida. Over three months go by and I receive zero updates and communication regarding my claim. On XX/XX/2020 my debit card declined at XXXX while trying to get groceries during Covid-19. I immediately panicked and checked my checking statement. I came to find out that Bank of America denied my claim of my stolen rent check and withdrew {$1900.00} from my account. After hours of being on hold, I managed to reach a Rep. who advised me to " check my spam '' for communication. Apparently communication was never sent to my physical address and they denied the claim due to not receiving any correspondence from me. Per my last phone call I was told that my claim would be reopened, and that I would receive a phone call by Fraud Department Analysts after their meeting. Over an hour went by and I never received that call. I called again, this time to be told that there is no documentation of my previous conversation with the Rep. who reopened my claim and that the Fraud Analysts would not call me. My bank account is now negative during a global pandemic.

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 monetary relief
Consumer complaint received 2020-06-24 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 REVIEWED MY CREDIT REPORT AND FOUND SOME ACCOUNTS THAT WAS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. BECAUSE OF THESE NEGATIVE ACCOUNTS IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE NEGATIVE ACCOUNTS AND HAVE THEM REMOVED OF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX i ordered a case with 4 XXXX wipes for {$10.00} i never received the wipes i spoke to someone from paypal also in XXXX and ask was that a legit company she told me yes if not i can get my money back. I have sereral copies of that audio i got a tracking number from paypal on XX/XX/XXXX XXXX which didn't add up so i called XXXX  and my call got intercept by a lady saying she couldn't hear me i told her she was doing that she hung up i called back the lady heard me loud and clear ask for the tracking number my name and address said it was delivered on XX/XX/XXXX to someone name XXXX and a different address my name is not XXXX and its not they fault i have copies of that audio to i made a claim with paypal and was lock out my account so they could delete my information they even said i ordered shoes which is another lie but i beat them to it i already made copies on my credit card and receipt paypal denied my claim i reported it to my credit card company put fraud alert and now they gona investigatied and i will never order from paypal again

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I notified EQUIFAX that I am a victim of identity theft, and they responded that they were able to VERIFY fraudulent accounts and I would like to know ow do you verify a fraudulent account on my credit report that belongs to someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2020, I attempted to obtain copies of all three credit bureaus reports online via XXXX. I was able to secure both XXXX  and XXXX  reports but was denied online access by TransUnion without explanation. I also tried to obtain said report via telephone and to date TransUnion has refused to provide access to consumer reports. 
I have filed similar complaints over the past ( 3 ) years with CFPB in regards to TransUnion business practices which is in direct violation of the FCRA which allows consumers to obtain free online reporting especially during the COVID-19 pandamic. I requesting the CFPB enact or pass additional laws to enforce all three credits to provide online access to consumer credit report and heavy fine and provide consumer financial relief when the credit companies deny consumer online 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 2020-06-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Have advised CapitalOne that based on 15USC 1666i claims and defenses, I refused to pay for a XXXX charge that the travel agency said it was refunded, got threatening calls from CapitalOne including pressing criminal charges if I continue to dispute.

Company response to consumer: Closed with explanation