vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-26 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 was made aware of 4 accounts on my credit report that do not belong to me. The only reason I discovered them is because I am trying to rent an apartment and today XX/XX/20 I applied to rent an apartment and i did not get approved because of these accounts. I did not open any of those accounts and I have never allowed anyone to open those accounts in my name. I did not benefit anything at all from these accounts nor did i make any purchases or payments towards these accounts. I have filed this report to the best of my knowledge and I also filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: MCCUE MORTGAGE COMPANY, THE
State: CT

Complaint narrative:
I recieved a letter from McCue Mortgage dated XX/XX/2020 that my payment was 15 days late. I called the company on Thurs., XX/XX/2020 and they said that they just recieved my payment. I said I was confused because I always pay a month ahead of my due date. The check they recieved was supposed to be due XX/XX/2020 not XX/XX/2020. They then sent me a listing of all my payments for the past year. 

I discovered that the extra {$20.00} I sent in every month for escrow was being applied to my principal and not my escrow. I also discovered that check # XXXX, which was cashed on XX/XX/2020 was never applied to my account. 

I was then informed that the money had been misappropriated to my escrow account. Then, in XXXX they issued me a check for {$710.00} for an over funding my escrow. 
Essentially, the mortgage company is misappropriating funds between my escrow and my principal, and now I am a month behind in my payments. 

When I asked for an explanation as to how and why this has happened, I was hung up on my the manager of the service department. I have since reached out to two Vice Presidents.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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 was made aware of 4 accounts on my credit report that do not belong to me. The only reason I discovered them is because I am trying to rent an apartment and today XX/XX/20 I applied to rent an apartment and i did not get approved because of these accounts. I did not open any of those accounts and I have never allowed anyone to open those accounts in my name. I did not benefit anything at all from these accounts nor did i make any purchases or payments towards these accounts. I have filed this report to the best of my knowledge and I also filed a police 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 2020-02-26 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 was made aware of 4 accounts on my credit report that do not belong to me. The only reason I discovered them is because I am trying to rent an apartment and today XX/XX/20 I applied to rent an apartment and i did not get approved because of these accounts. I did not open any of those accounts and I have never allowed anyone to open those accounts in my name. I did not benefit anything at all from these accounts nor did i make any purchases or payments towards these accounts. I have filed this report to the best of my knowledge and I also filed a police 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 2020-02-26 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 HAVE NO RELATION WITH THE ACCOUNT DISPUTED, THIS ACCOUNT HAS BEEN REPORTING NACCURATELY ON MY CREDIT AND SINCE THEN BEEN DAMAGING MY CREDIT HISTORY AND SCORE. PLEASE INVESTIGATE THIS MATTER AND HAVE THIS DEROGATORY ACCOUNT OFF MY CREDIT FILE.

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 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was informed by my father that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support or even been put on child support. I started to investigate and I was told that someone has given my name and social security number to claim money monthly. This person has the wrong person. I decided to pull my credit report and it showed the exact same thing and three other accounts with many inquiries that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

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 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was informed by my father that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support or even been put on child support. I started to investigate and I was told that someone has given my name and social security number to claim money monthly. This person has the wrong person. I decided to pull my credit report and it showed the exact same thing and three other accounts with many inquiries that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

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 2020-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Certified mail return receipt shows Transunion received my dispute letter on XX/XX/20 at XXXX XXXX, signed by Transunion representative. See attachment. According to federal law, they have 30 days to investigate or the items should be deleted. 30 days has passed since they received my dispute letter. The negative items should be deleted, according to federal law - not reinvestigated.

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 2020-02-26 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: OH

Complaint narrative:
To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX XXXX XXXX # XXXX** Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color 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 2020-02-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America put an unauthorized inquiry on my credit report XX/XX/2019. I have never applied for a line of credit of any sort. I am not sure who authorized Bank of America to obtain my credit file, but what I do know is Bank of America has broken the law!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-26 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 NO RELATION WITH THE ACCOUNT DISPUTED, THIS ACCOUNT HAS BEEN REPORTING NACCURATELY ON MY CREDIT AND SINCE THEN BEEN DAMAGING MY CREDIT HISTORY AND SCORE. PLEASE INVESTIGATE THIS MATTER AND HAVE THIS DEROGATORY ACCOUNT OFF MY CREDIT FILE.

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 2020-02-26 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 NO RELATION WITH THE ACCOUNT DISPUTED, THIS ACCOUNT HAS BEEN REPORTING NACCURATELY ON MY CREDIT AND SINCE THEN BEEN DAMAGING MY CREDIT HISTORY AND SCORE. PLEASE INVESTIGATE THIS MATTER AND HAVE THIS DEROGATORY ACCOUNT OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX INCORRECT BALANCE of {$1400.00} I HAVE SETTLED AND CLOSED 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
Consumer complaint received 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I received a call from a student loan company asking me about loans that I have never applied for. I immediately registered to XXXX  XXXX to check my credit report. I found student loans and other accounts that do not belong to me. These accounts need to be deleted from my report. These accounts are fraudulent and are not mine. 

XXXX XXXX XXXX {$1500.00} DPT ED/XXXX XXXX {$1700.00} XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$750.00} XXXX XXXX  XXXX {$0.00} XXXX  XXXX {$7900.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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 — Card was charged for something you did not purchase with the card
Company: BMW Financial Services NA, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX there was a {$750.00} emergency cash advance using my CC out of XXXX Florida. I live in XXXX ( XXXX ) Washington. I did not make this charge. Ive never even been to Florida. 

I disputed the charge with my CC company ( BMW Card Services ) ( BMW Bank of North America XXXX theyve denied my dispute Twice. Ive spent approximately 20 hours over the phone, Ive written letters and now have a Attorney who also has written a letter.

Should shouldnt be able to happen. Hope you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
I have contacted this company numerous times requesting back up documentation of a debt they are reporting on my credit which I have no knowledge of, all I am being told is the amount owed and that it has been verified as me, HOW? Where is my signature or back up documents? ... .this is a result of identity theft, I have also disputed with the credit bureaus and they have not gotten anywhere as well. I am asking for this company to provide valid VERIFIABLE proof with my signature to confirm this debt, if they continue to not do so I am requesting to have them remove this debt from my credit that they have been falsely reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a checking account XX/XX/2020 with a large sum of money at a SunTrust bank in XXXX XXXX, Fl.for the closing on some property. On XX/XX/2020 received letter from SunTrust bank saying funds would be available XX/XX/2020. Two days later I went online to see if funds were in account and access was restricted, called the number that was listed to call and account was closed. No explanation was ever given as to why as of this date after calling and getting no where. Still haven't gotten my money back and they give me a different excuse each phone call. That is my money not theirs to sit on and make money. I am not the first to file complaints about this bank because they have done to numerous other people. You have to make people aware of this bank. I want my money.

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 2020-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Regarding : Breach of Contract XXXX  XXXX Account Ending in Visa Credit Card XXXX {$1300.00} Case Number XXXX XXXX Dear Sirs ; As a debt buyer I expect and require you provide a copy of the application for credit with my signature electronic or otherwise for proof this is my debt. According to my records this debt does not appear on any of the three XXXX, XXXX XXXX or XXXX   credit reporting agencies credit reports was not authorized for me or by me was never mine I submitted a complaint to the XXXX. The ID # is XXXX. 
I have submitted a complaint to Texas Attorney General My record keeping does not suggest I have this debt. They do not have any evidence to substantiate its claim that this debt Breach of Contract XXXX  XXXX Account Ending in Visa Credit Card XXXX {$1300.00} Case Number XXXX XXXX is a legitimate debt. Furthermore, there has been neither proof that LVNV Funding has permission to collect this debt, nor have they provided previous verification of this debt. 
While I understand LVNV Funding LLC, ( LVNV ) buys past due debts from banks and finance companies. LVNV then hires Resurgent Capital Services LP ( Resurgent ) to manage that debt, and hires XXXX XXXX XXXX to prosecute consumers, this is NOT acceptable. You did not complete your due diligence in this matter because this is not my debt. I want your company provide proof this is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
This debt is not mine Im seeking full validation of this debt that includes original documentation and or bank statements anything with my signature. I was given a copy of a bill that has no signature no information at all that says it belongs to me there for it is not proper validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I tried to get a loan from my bank and got denied. I looked at my credit and saw things on there that is not mine. Bankruptcy XXXX-DSP-XX/XX/XXXX-VER-XX/XX/XXXX, XXXX  XXXX XXXX XXXX  . I have contacted local police and the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: OH

Complaint narrative:
To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX XXXX XXXX # XXXX Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: OH

Complaint narrative:
To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX XXXX XXXX # XXXX Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color 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 2020-02-26 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have disputed with Equifax multiple times a bankruptcy that is reporting on my consumer disclosure report. Their response has been that it is accurate and verified thru a 3rd party furnisher named XXXX. They have not provided any documentation or supporting evidence of this bankruptcy. XXXX does NOT have a bankruptcy reporting on my XXXX consumer report ( see report attached section 8, page 12 ). This is inaccurate and false reporting of a bankruptcy on my credit report. I have also contacted the noted court on my report and they stated they have not reported this item or any item to any bureau or data collector. How is this item being validated, verified, and proved???

Company response to consumer: Closed with explanation