vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Campus Student Funding, LLC
State: TX

Complaint narrative:
Campus Student Funding , LLC ( paid through XXXX ) This is a private school loan taken over by Campus Funding when XXXX was in process of bankruptcy. They bought these school loans in hopes to collect money from the students. None of this monies was personally give n to me. It all went back into XXXX

Company response to consumer: Closed
Consumer complaint received 2015-04-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank is attempting to collect an unreasonable debt consisting of excessive {$25.00} fees they charged to my account even after I requested the account closed. The matter was reported to XXXX and to a collection company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
I bought XXXX XXXX gift cards issued by U.S. Bank at XXXX on XXXX/XXXX/2016. When i attempted to use them, i got error " not authorized ''. When I called number listed on cards for customer service XXXX i discovered that cards were registered with someone else name. That means they were stolen from me. 
I was advised to fax supporting documentation ( cards front and back, receipt etc. ) to Stolen Replacement Card Request at fax number XXXX. I tried multiple times to fax documents to that number. The fax never picked up and i was not able to fax my documents. I called customer service 3 more times. I asked for a different number, email address or physical mailing address. I was told that 1. there is no mailing address, 2. there is no email address and 3. XXXX fax number is the only way to send information to card services. I am not able to send that information because the fax number that they gave me is not working.

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 2015-12-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I had sold a home that I owned with another person. At the time of closing the proceeds were split XXXX. Then the Mortgage company fifth third mortgage sent a check back for our escrow refund, check was sent to a address I do not know. I had called fifth third bank several times about the escrow check and they assured me that the check would have to be signed by both parties. Then the other party took the check to fifth third bank signed his name to the escrow mortgage refund check and deposited it in his account with out my signature. I am not on his checking account. So fifth third bank has let the other party take the Mortgage escrow refund all to himself. I contact fifth third bank and was told to bad. Please investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company
State: MD

Complaint narrative:
I filed a complaint with CFPB XX/XX/XXXX and again XX/XX/2016 [ Case number : XXXX ] about a bill from XXXX that I did not incur. 

XXXX agreed that the bill was done in error and contacted their collection agency - FOCUS RECEIVABLES instructing them to cease collection and update their records. Despite numerous requests to remove inaccurate information, FOCUS RECEIVABLES continues to submit information to the credit bureaus that they know to be inaccurate. I had my attorney submit a letter to FOCUS RECEIVABLES XX/XX/XXXX. However, as recently as XX/XX/XXXX they ( ONCE AGAIN ) Submitted false data to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: United Consumers Inc
State: MD

Complaint narrative:
This company calls & hangs up. When I called to address them calling & hanging up, the representative hung up on me.

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 2017-02-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC
State: MD

Complaint narrative:
I am a divorced mother to XXXX wonderful children. My ex-husband is a Veteran. In XX/XX/XXXX, we purchased a home using his VA entitlement. In XX/XX/XXXX we had to modify the mortgage after I was placed on XXXX due to a XXXX and was unable to work. We were able to afford the payments after the modification. However we separated in XX/XX/XXXX and he agreed to maintain the payments for the marital home. I maintained the payments for the condo where the children and I are currently living. During divorce proceedings in XX/XX/XXXX, I was advised the property was in default due to nonpayment of mortgage note since XX/XX/XXXX. He was subsequently awarded the home and I was awarded the condo. He was awarded sole liability and responsibility for the marital home from XX/XX/XXXX onward. A Quit claim was filed to him. He was to remove me from all liability associated with the property. He has not done so. I contacted the mortgage company, Planet Home Lending , LLC. The Loss Mitigation specialist advised that " there is nothing we can do for you. You will need to pay the outstanding back mortgage and he would have to refi, modify the loan or sell the property thereby removing your name. '' I advised her that his VA entitlement guarantees the loan in case of default. I was again advised that I will continue to have negative the reporting on my credit associated with the property because I am listed as a co-borrower on the loan. I advised her that the unfair negative reporting practices of Planet Home Lending , LLC. is causing me severe credit casualty. I 'm asking for any relief because the VA has already affirmed that his VA entitlement insures the mortgage against default, the home was awarded to him in the divorce, he has assumed all liability from XX/XX/XXXX to present and I have already Quit Claimed the home to him. I understand that the mortgage is still in effect until he completes the modification process. I 'm just asking for the negative reporting to the credit bureaus to stop. Please provide any assistance you can so I may also move forward and provide for my family. Thank you.

Company response to consumer: Closed
Consumer complaint received 2017-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Focus Holding Company
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from FOCUS RECEIVABLES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against FOCUS RECEIVABLES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC
State: MA

Complaint narrative:
my lender transferred my loan to Planet Home and they deducted a payment from an unauthorized account and upon our attempts to resolve a stop payment was put on the payments from the unauthorized account, and instead of drawing the funds from the authorized account we were reported as late.we never should have been late as they were authorized to work off the correct account.

Company response to consumer: Closed
Consumer complaint received 2016-05-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Focus Holding Company
State: KY

Complaint narrative:
Debt was my father debt been paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
I home is under contract to be sold and the mortgage company is not providing me the payoff amount in a timely manner we were set to close at XXXX and they will not release my payoff amount until XXXX XXXX. However, they continue to report to the credit bureaus of late payments. I have a buyer who is ready to pay cash and they will not release my information after requesting it many times. They keep changing the date and this is very frustrating and unfair.

Company response to consumer: Closed
Consumer complaint received 2016-06-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am victim of identity theft. Someone stole my personal information and identity. The following accounts are unauthorized and fraudulent : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. All the inquiries on my credit report are all unauthorized and fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have been a victim of identity theft and my report has been shared without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I was the victim of identity theft in XXXX and XXXX 2014. Someone tried to open - and successfully did open - many credit cards in my name. After I got a call asking to confirm whether I had applied for an account, I realized what was happening and placed freezes on my accounts with the credit bureaus, contacted every credit card company I saw popping up on my credit report and every company that called or mailed me, and then filed a police report. 
XXXX and XXXX have removed all the fraudulent accounts and inquiries from my credit reports there, but Equifax refuses to remove XXXX items, a fraudulent account at XXXX and a fraudulent inquiry from XXXX, from my report, even after I have filed several disputes ( # XXXX, XXXX, XXXX etc. ) providing documentation that they are fraudulent, and even after XXXX and XXXX have XXXX each asked that they remove these items from my files. This is Equifax 's response each time I ask them to investigate the matter : & gt ; & gt ; & gt ; We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX, DE XXXX Phone : ( XXXX ) XXXX & gt ; & gt ; & gt ; We have reviewed the inquiry information for XXXX XXXX XXXX. The results are : Inquiries are a factual record of file access. Should you have reason to believe this inquiry was unauthorized, Please contact the creditor directly and follow their internal fraud procedures. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXXPlease help me get these fraudulent items off my account! I have a letter from XXXX, attached. Unfortunately XXXX procedure is to submit electronic requests to Equifax, so I do n't have a letter from them to attach, but you can contact them and they will confirm the account is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had XXXX hospital bills that were on my credit report for {$11.00} & {$15.00} and I should have never even been billed for these charges but it was easier to pay them then to dispute them. The charges were paid and all of the credit reporting agencies except Equifax had removed the negative credit after the charges were paid. Equifax 's system of reporting something does n't work and they want you to purchase their credit protection services so you can get items corrected on your report. I want my credit report updated properly and if Equifax can do what they want, to try and coerce people into purchasing their products, then they should n't be involved in the credit reporting business. What they are doing should be illegal and probably is. I would like to have my credit report removed from Equifax 's services. I should n't have to use a corrupt credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My wallet was stolen XX/XX/2005. My I.D . and social security card were in it. Since then collection bills, installment loans, and credit inquiries are now showing up on my credit report and I have to dispute them directly with the credit bureaus. I have had no success in having these items removed from my report so far. I am requesting that a further investigation into these claims against me be looked into by the consumer financial protection bureau. To protect my rights as a borrower, and to exercise my rights into the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed the Equifax credit report over two months ago and never received a response from them. I quoted the Fair Credit Reporting Act issue to them and they have not replied and continue the negative credit report. Attached are documents they have received. I have certified mail verifying that they received the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On credit report XXXX Equifax, XXXX states XXXX negative accounts, XXXX positive accounts, XXXX inquiries. 
However XXXX XXXX XXXX after 36 months of paying debit for cell phone bills will not sell a XXXX down cell phone at XXXX dollars per month because of ruined credit and harassment. 
Being a veteran I was billed for XXXX treatment hospital care, and sent to collections feeling I was billed XXXX dollars for XXXX treatment at non VA hospital my question when my employers and veteran payee pays over XXXX, XXXX dollars in XXXX payments WHY cant XXXX pay the non VA hospital bills. There is wreckage of the past that causes abusive unfair credit reporting. Since 1985 I do not use credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I reported to Equifax that I am a victim of identity theft. I informed then that the information below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. These accounts appear as a result of identity theft : XXXX-student loan account number unknown XXXX-medical bill-XXXX XXXX-medical bill-XXXX The XXXX-utility bill account number unknown XXXX- account number unknown XXXX- account number unknown I also requested Equifax to block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act within 4 business days, and to send the required notifications to all furnishers of this information. Also, please place an Extended Credit Report Freeze on my report which will require creditors to contact me via phone number on my report. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are highlighted in yellow. 
A copy of my Identity Theft Report Proof of my identity-CA Driver 's license A copy of section 605B of the Fair Credit Reporting Act, which requires Equifax to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
Equifax informed me that they received my dispute and are waiting 30 days for the Companies to respond. Equifax did not acknowledge my request to BLOCK the information as required by section 605B of the Fair Credit Reporting Act within 4 business days

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These Inquiries I did not authorize. i have also contacted these companies and asked for removal and they directed me back to the credit reporting companies to dispute. Some inquires were done on the same day or some companies every other day. I attached one email from a company I asked not to submit my credit to all these different banks and they done it any way. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX Apr XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX Apr XXXX, XXXX XXXX XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX WE Apr XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
ok I have been trying to to dispute inaccuracies on my credit report and have had no luck with equifax the accounts that i issues with is XXXX is XXXX communications it is on my file twice i only have XXXX account and i cant get frontier to help and equifax claims that frontier is validating accounts over phone when i have request proof in writing i get nowhere acount has been paid but payments are inaccurate and i ld like account removed from credit file XXXX is a duplicate and still shows balance also XXXX tax leans with the state of michigan has been released and they refuse to update XXXX is a duplicate but i cant get the treasury to help but i would at least like to get update to say paid and satisfied

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On or around XXXX XXXX, 2016 Equifax reported that they incorrectly challenged and removed my XXXX XXXX credit card account ( s ). I instructed Equifax to dispute a collection account from XXXX XXXX XXXX ; however, Equifax did not properly conduct an investigation. Additionally, I contacted Equifax via telephone and spoke with XXXX on the Nevada team to no avail. To date, the inaccurate collection account from XXXX XXXX XXXX remains on my credit report and my XXXX XXXX credit card account ( s ) are still deleted.

Company response to consumer: Closed with explanation