vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
HELLO MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNTS IN MY NAME : XXXX   XXXX  XXXX  OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX   XXXX  OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED:XX/XX/XXXX AMT. XXXX XXXX XXXX  OPENED:XX/XX/XXXX AMT. XXXX XXXX XXXX  OPENED:XX/XX/XXXX AMT. XXXX XXXX   XXXX XXXX. 
OPENED:XX/XX/XXXX AMT. XXXX XXXX XXXX OPENED:XX/XX/XXXX AMT. XXXX THEFOLLOWING INQUIRIES WERE ALSO FRAUDUKENTLY PLACED ON 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 I HAVE ENCLOSED MY POLICE REPORT, I ALSO FILED AN IDENTITY THEFT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
I have applied to refinance my home mortgage for a lower interest rate. The loan documents submitted to me included another client information. Which is a breach of personal information. I was provided with their loan documents credit history, credit card account numbers and their entire credit history. I contacted the company and spoke with the manager XXXX she acted as if it was no big deal. I want this company investigated to ensure not only MY information is secure but all of their customers information is safe and secure. This is a breach of personal information that could be very harmful to anyone. Their entire life has been comprised and I feel as if my information could have been given out to someone in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: MI

Complaint narrative:
3rd REQUEST FOR ACTION! 

I recently submitted several complaints to Equifax & XXXX regarding a Chapter XXXX  bankruptcy reporting on my credit report. After careful investigation and wording of the law, it states the following : According to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX  bankruptcy CAN remain on your credit history for UP TO 10-years from the filing date. For a Chapter XXXX  bankruptcy, the maximum is seven years, like most other negative items. There are some key phrases in that statement that need to be clarified : 1. " CAN '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade. 

2. " UP TO '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy CAN BE REMOVED from a credit report before that limit is reached. My bankruptcy is scheduled to be deleted in XX/XX/2020. 

I am applying for a mortgage and this is severely impacting my ability to obtain reasonable financing. I am asking XXXX & Equifax to read the above law by the FCRA and delete this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Equifax has a Charged of Account appered as New. It is over 5 years old. First I signed to Equifax for the first time but I was  denied to access and to see my Credit Report. The Screen came back to call 800 #. I called Equifax told them the issue that I would like to dispute. The Equifax person want to Verify me, I gave him Full name, DOB, SS, Address and he told me he can only help me that I have to send Equifax with Photo ID like driver license or passports. Why do I have to furnish all this, after I gave the Important Info. 
I am XXXX  XXXX  for STATE of XXXX- XXXX ( XXXX ) I know my job how to Verify Someone. 
Now, I believe my information was compromised when Equifax had DATA HACKED. Probably I May be one of them, I have never was notified me that my personal info was COMPROMISED. 

1. I want Equifax to remove those collection Account from XXXX XXXX. 
2. I would like Equifax to FREEZE selling my name or to be used promtional. 
3. I want a letter from Equifax that my personal DATA Status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: TX

Complaint narrative:
HELLO MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNTS IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX   OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED:XX/XX/XXXX AMT. XXXX XXXX XXXX   OPENED:XX/XX/XXXX AMT. XXXX XXXX XXXX OPENED:XX/XX/XXXX AMT. XXXX XXXX  XXXX XXXX. 
OPENED:XX/XX/XXXX AMT. XXXX XXXX XXXX OPENED:XX/XX/XXXX AMT. XXXX THEFOLLOWING INQUIRIES WERE ALSO FRAUDUKENTLY PLACED ON 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 I HAVE ENCLOSED MY POLICE REPORT, I ALSO FILED AN IDENTITY THEFT REPORT.

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 2019-12-23 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: LEXISNEXIS
State: MI

Complaint narrative:
3rd REQUEST FOR ACTION! 

I recently submitted several complaints to XXXX  & LexisNexis regarding a Chapter XXXX  bankruptcy reporting on my credit report. After careful investigation and wording of the law, it states the following : According to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX  bankruptcy CAN remain on your credit history for UP TO 10-years from the filing date. For a Chapter XXXX  bankruptcy, the maximum is seven years, like most other negative items. There are some key phrases in that statement that need to be clarified : 1. " CAN '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade. 

2. " UP TO '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy CAN BE REMOVED from a credit report before that limit is reached. My bankruptcy is scheduled to be deleted in XX/XX/2020. 

I am applying for a mortgage and this is severely impacting my ability to obtain reasonable financing. I am asking LexisNexis & XXXX  to read the above law by the FCRA and delete this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: ONEMAIN FINANCE CORPORATION
State: TX

Complaint narrative:
HELLO MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY ID AND SOCIAL ALONG WITH OTHER ITEMS AND LATER OPENED FRAUDULENT ACCOUNTS IN MY NAME. THE FOLLOWING ACCOUNTS DOES NOT BELONG TO ME, THEY WERE FRAUDULENTLY OPENED : ONE MAIN OPENED : XX/XX/19 AMT. XXXX   ONE MAIN OPENED : XX/XX/19 AMT. XXXX I HAVE ENCLOSED MY POLICE REORT AND ID THEFT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ZWICKER & ASSOCIATES
State: GA

Complaint narrative:
ZWICKER & ASSOCIATES, P.C. ATTORNEYS AT LAW From : XXXX, Ma. sent a sheriff deputy to my house trying to sue me for a credit card debt that I am disputing with XXXX XXXX due to the fact that my information has been compromised with XXXX and XXXX  and others. 
I wrote to XXXX XXXX and they never responded. I am requesting validation of the debt. My personal financial information has been compromised in a few sites and I been trying to clean this mess for a long time. This creditors and lawyers use the law to intimidate and harass customers and I don't appreciate the fact that a sheriff came to my house to serve me paperwork to sue me. As a consumer I have rights and I don't understand why is so hard to provide the validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BTH Management
State: NM

Complaint narrative:
The loan was for {$2500.00}. I have paid over {$6000.00}. The rates change all the time. I believe this is a shark loan. I am getting harassed by their collection agency. I stop all payments from my accounts because their taking more money every two weeks. I paid another {$600.00}. I getting calls all day at work from a XXXX XXXX at XXXX four to five times a day. The calls started on XXXX XXXX. She said she will not get off the phone till she receives a payment. The collection agency XXXX XXXX XXXX XXXX. and there email XXXX. The loan was take out XXXX XXXX. The max of interest they can charge in New Mexico is 35 %. I paid way more than 35 %.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSOANL INFORMATION TO OPEN THE FOLOWING FRAUDULENT ACCOUNTS IN MY NAME : XXXX XXXX  XXXX  OPENED : XX/XX/XXXX AMT. XXXX XXXX   XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX  OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX  OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX. 
OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX THE FOLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX I HAVE ENCLOSED MY POLICE REPORT AND IDENTITY THEFT REPORT.

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 2019-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I dont get reminders or alerts for my bank of america account. I get late fees the same day I make a payment! They are sneaky about posting these late charges too. I know other banks arent constantly changing interfaces, and having those changes be to the detriment of the customer. Bank of America 's default view makes the app and website purposefully difficult to read so you don't even know they are charging you. 

When I log on it makes it seem like I have no current transactions as a default but in the background, they have been charging me late fees. Other banks will just show you all the pending history but Bank of America purposely makes this a few extra clicks away. This XXXX, Bank of America charged me {$40.00} in late fees on the SAME DAY I paid my bill! On XX/XX/XXXX, when I called the XXXX call center to remove the charge I spoke with Manager XXXX # XXXX who was adamant this was legal and he would not remove the charge. When I spoke to XXXX about the difficulty of the app and website interface misleading to appear as though no transactions had occurred he referred me to download a statement, which is many more clicks away. This seems illegal. 

When a customer is paying down a bill Bank of America makes it appear as though there were no charges as a default, when they may be charging you late fees which you have to click away inside the ever-changing app or website to find. I dont understand why Im getting charged a {$40.00} late fee the same day Im paying my bill. This also seems illegal.

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 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: R & B Corporation of Virginia
State: KS

Complaint narrative:
Complaint ID XXXX I paid this debt that was wrongly sent to collections. Please see complaint above. The company corrected the amount owed and I paid it. Upon my payment of the debt the company, XXXX XXXX, was supposed to completely remove any trace of this incident off of my credit report since they were in the wrong and should not have sent to collections in the first place. The company has not removed the marks against my credit. There are in fact 2 marks from this one incident for the same bill. They split the bill in two and sent each part to collections separately. So two individual marks are still present on my credit report and this is the case with each of the three credit reporting bureaus. 

I have done nothing wrong in this entire situation, they have their money, they need to do what they said they would and have the marks completely removed, not just marked " paid '' but cleared of my report entirely. The company 's response below to my original complaint Note the company says they will update status to paid in full. This is not acceptable as my credit report should have not ever showed this bill. Marking paid in full will still show up and look like I had a problem paying a bill but once it sent to collections I paid it. IT SHOULD NEVER HAVE GONE TO COLLECTIONS- ALL RECORD OF THIS CHARGE SHOULD BE COMPLETELY REMOVED FROM MY CREDIT RECORD, THIS INCLUDES MY HUSBAND XXXX XXXX AS WELL. 

" STATUS Company responded on XX/XX/2019 RESPONSE TYPE Closed with explanation Company 's Response CCC has obtained account balance verification from the original creditor and today, provided the consumer with written validation of the subject debt via mail. Should the consumer pay the {$100.00} remaining balance due, CCC will instruct the Credit Reporting Agencies ( CRA 's ) to update the status of CCC-furnished trade lines to paid-in-full ; in keeping with our responsibilities as a data furnisher to the CRA 's. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/19 I placed an online order with Macy 's. Order number : XXXX. Items ordered are shown in the PDF attachments. This complaint specifically refers to items : XXXX Black Jeans. I ordered 2 pairs of size 31X32 of this specific brand of jeans, however only received 1 pair. I was subsequently charged for 2 pairs. PDF and receipts are attached.

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 2019-12-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC

Complaint narrative:
On XX/XX/2019, a bill pay, payment was sent from our bank in the amount of {$1400.00}. As of today, the mortgage company, PennyMac, claims they have not received payment and have not located the payment. Our bank has faxed all of the information to the mortgage company to track the funds. The mortgage company claims their research department is working on the matter, but it has not been resolved. This same information for the payment was used in 2 other payment transactions successfully in XXXX and XXXX of 2019.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I'm on autopay for a closed credit card with bank of america and they reported me late in error.

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 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I'm on autopay for a closed credit card with XXXX XXXX XXXX and they reported me late in error.

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 2019-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Performant Financial Corporation
State: TN

Complaint narrative:
My case was handed over to Performant recovery. I was XXXX  and had just found a part-time job in TN. So I had moved to TN, and began to work. I was contacted by performant, who harassed and kept calling even though I was paying out 50 % of my wages, they went ahead and garnished my wages, and my income tax refunds. After five years of asking for an account balance, they could not find it. The last time I got hold of Performant, I was placed on hold for hours at a time, to be told my account manager was out that day and to call back, as they can not find any records at all of my cases. 
Now, after no contact for two years, I try every couple of months, after paying in over 10k for XXXX XXXX loan, I now get a bill and a threat from XXXX XXXX XXXX claiming I owe over 4k and need to pay XXXX $ handling fee. This whole education was a scam, the college lied claiming I would have guaranteed a job, which once I found out I was going into debt for a useless degree, I quit. Performant lied, harassed, and lost my account? 
I was making payments, once I found work, but was so underemployed I found it difficult to service. To this day this whole debacle has been destructive to my entire future. I have been trying to resolve this, how can I when I get lied to and cheated by every entity involved?

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 2019-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
On XX/XX/2019 a transaction was made through the XXXX application in the amount of {$200.00}. I first contacted the app vendor, XXXX, themselves, who got back to me in a timely fashion and responded that, upon investigation, they determined I was the victim of fraud due to that transaction. XXXX replied that they had taken action against all of the fraudulent parties accounts through their app, but they had no recourse to reimburse funds frauded through their application and recommended I follow up with my financial institution and local law enforcement. 

Later that day I contacted Ally Bank about the account my XXXX was linked to and explained to them the circumstances surrounding the fraudulent charge. Ally   opened an investigation and assured me I would hear a response in 7 - 10 business days. After receiving no information or follow up from them, I participated in their online chat to determine what the result of this investigation was. I again explained the situation to the chat representative, who agreed that it was a case of fraud and recommended I submit the documentation from XXXX via secure message for Ally to review and overturn. I submitted that documentation, waited the 7 - 10 business days and still received no response. Upon contacting the financial institution by phone, I ultimately received the answer that a federal regulation allowed them to not have to take action regarding this incident. 

While I have never had a problem with Ally reversing fraudulent charges are communicating in a timely fashion prior to this, this entire experience has left a bad impression on my of both their customer service and commitment to customers. I used to work in the XXXX XXXX XXXX and am well aware of what financial institutions can and can not do. What they're willing ( or not willing ) to do is another story entirely and I will definitely be rethinking my status as a customer to Ally Bank in the future.

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