vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
None of your listed issues is are applicable. I received a deferment on my mortgage. I was never delinquent. It was a CARES deferment. 

I saw on my credit report a notation from the mortgage company stating i was experiencing financial hardship. Is that permitted under the CAREs act??

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 2020-06-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: SD

Complaint narrative:
On XX/XX/2020, {$4500.00} was stolen out of my Fathers savings account which I am a signer on the account. I was notified on XX/XX/2020 by the Branch Manager of the US Bank Branch by telephone that this had occurred. Her name is XXXX, her phone # is XXXX. Also, the police were at this Branch and apprehended the person that stole the money, this person was charged with Identity Theft as it was then discovered that this person had stole my identity. She had an ID with all of my information but the picture on the ID was not mine. I have requested a copy of the police report from XXXX XXXX, Case # XXXX, out of the City of XXXX XXXX, CA. Her phone # is XXXX. I have not received this police report as of today. I have been doing all of the leg work since this happened. I have left several messages for XXXX to call me back to give me a status on this. Ive filled out paperwork requested by the US Bank Branch in XXXX XXXX, SD where I live. There are several US Bank Branches here in XXXX XXXX. One Branch will tell me some information and another Branch will turn around and tell me something different. I have also contacted the US Bank Home Office in XXXX, MN, talked to their fraud department several times, asking when this {$4500.00} will be returned to my Fathers savings account. No one can ever give me an answer. I am becoming extremely frustrated more and more as each week goes by that this money has not been refunded and also not getting either returned calls or solid answers from US Bank. I am also a customer of US Bank.,

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 2020-06-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX   XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX . Company Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX/XXXX XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/XXXX, DPT ED/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX  XXXX, XXXX   XXXX, XXXX  XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX . Company Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX/XXXX  XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/XXXX, DPT ED/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Comenity called my cell phone & husband 's cell phone on XX/XX/2020, @ XXXX XXXX. asking for a person who is not me. Imperative that I call them back today. 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. (  same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 # XXXX XXXX. ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ). 

As you can see, Comenity Bank calls my phone and my husband 's phone several times a day sometimes. They ask for a XXXX XXXX, XXXX XXXX, or XXXX XXXX, none of which are me. I have sent the Company an email and asked them to CEASE and DESIST with no results. I told them I was going to file a Complaint and if they did not stop calling our phones, I would file a harassment suit against them. Comenity is calling on behalf of VS-XXXX  and XXXX XXXX. I used to have a VS XXXX XXXX, but no longer do. I disputed a reporting on my credit report against them, and it was removed. I have never had, nor ever been, inside of a XXXX XXXX, nor had a credit card for them. 

This nonsense needs to stop. It is very aggravating and annoying. I have not returned one of their calls and the harassment just keeps getting worse. My husband has never had an account with either of these companies either. Please help keep this company under control from harassing phone calls, especially when I am not the person they are looking for or trying to scam. 

Thank you in advance for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/2020 I sent a debt validation to this collector with clear instructions to either provide proper validation of this debt or cease all collection activities including the reporting of this alleged account to my consumer reports. The collector did not provide any sort of response, much less proof of ownership of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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 am trying to buy a house later this year so today XX/XX/20 my lender ran my credit to see how much I would qualify for and he told me I would not get approved for anything at this moment because there were many accounts in negative standing appearing on my credit. I had no idea that there were accounts with negative history on my credit since the few credit cards I do have I don't even use. I looked through my credit report and I saw accounts from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; I have never opened an account with these companies nor have I ever given anyone permission to open any accounts on my behalf. I did not benefit anything as a result of these accounts that were opened in my name such as money, services or goods and I did not participate in any purchases or payments ever made towards these accounts. I have filed this report to the best of my knowledge and I have also reported these unauthorized accounts to the police.

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 2020-06-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX. 
Company Inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT BUREAU ASSOCIATES-NORTHEAST, INC.
State: NY

Complaint narrative:
On XX/XX/2020 I send a debt validation letter to this company. They did not respond to my request for validation. I also ordered them to cease and desist all collection efforts if they fail to validate and they continue to collect on this account and report this alleged debt to my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX. 
Company Inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX. 
Company Inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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 am trying to buy a house later this year so today XX/XX/20 my lender ran my credit to see how much I would qualify for and he told me I would not get approved for anything at this moment because there were many accounts in negative standing appearing on my credit. I had no idea that there were accounts with negative history on my credit since the few credit cards I do have I don't even use. I looked through my credit report and I saw accounts from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; I have never opened an account with these companies nor have I ever given anyone permission to open any accounts on my behalf. I did not benefit anything as a result of these accounts that were opened in my name such as money, services or goods and I did not participate in any purchases or payments ever made towards these accounts. I have filed this report to the best of my knowledge and I have also reported these unauthorized accounts to the police.

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 2020-06-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Starting approximately one year ago I became aware that Experian Credit Bureau w as reporting on inquiries that I did not have a credit score. Twice I verbally was able to speak to representatives who assured me I had a good credit report and there should not be a problem. The problem continued and I submitted my complaint in writing during XX/XX/2019. I was sent a copy of my credit bureau report and told no problem existed. The report showed over ten satisfactory trade lines dating back 20 years. I have never missed a payment in my life. My XXXX  and XXXX  reports are both well over a 750 score. I recently applied for an auto loan and was denied due to no credit history on my Experian report. I have tried to make contact with them again, although I am unable to speak with anyone and their automated system does not allow me to submit a complaint on my issue. I believe my report is being blocked due to collection accounts for my son, who is a XXXX, which I fully disclosed in my XX/XX/2019 complaint. I was sent a clean report with no collection accounts when Experian responded. The other credit bureaus have no problem determining what is my information, but it appears Experian does. I can not get any information to see why my report is not being released. I have experience in banking / lending and feel confident they are holding my report. They have caused me financial damage of being denied and not being able to refinance my mortgage since a tri-merge report is used and no score reporting by Experian causes issues.

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 2020-06-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND 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 explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lazega & Johanson LLC
State: GA

Complaint narrative:
i got a copy of my credit report and there are inquiries i do not recognize, Lazega and johanson llc on XX/XX/2020 XXXX XXXX on XX/XX/2020 and XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-06-17 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 checked my credit report and I saw fraudulent on my credit I have tried fixing them with all three credit bureaus. But I was unable to fix the problem.

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 2020-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX I received a refund in the amount of {$100.00} my first cash app account was hacked. I created a new one I still have the old debit card I didnt cancel the company said they they cant put my refund in the account even though it is my name and same address

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am now posting a third cfpb case because past matters are not resolved as well as more matters not getting resolved. The boa representative XXXX XXXX should respond because she has made phone contact and said to do so, where XXXX XXXX or XXXX XXXX dont really make any sort of contact. 
My current response to a whatever long dispute way now to be in reversal was emailed and message center posted, yet to have response back. A rather more than bogus covid19 faults and just whatever major losses challenged does exist about this airticket sale, and so it should not be reversed at all! 
My third debitcard visa hotel payment to arenteiro hotel in XXXX XXXX XXXX goes signed processed yet not against account activity or if to the hotel! XXXX trying to resolve! What an emergency at that time and finally evacuating via military measure shutdown and XXXX XXXX per XXXX usa!

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 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc
State: GA

Complaint narrative:
i got a copy of my credit report and there are inquiries i do not recognize, XXXX and XXXX XXXX on XX/XX/2020 credit plus on XX/XX/2020 and XXXX XXXX XXXX on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX, XXXX XXXX XXXX. 
Company Inquiries : XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation