vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-18 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 am a victim of Identity Theft. An unknown person has been using my identity to open bank accounts, rent houses and apartments, open credit cards, obtain loans and other fraudulent activity. They have been using my identity to my knowledge since 2016. Accounts opened fraudulently in my name includes XXXX XXXX ( XXXX ),  XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX and more. There have been addresses on my credit reports, jobs, businesses and telephone numbers that have been fraudulently used without my permission. I have tried contacting these companies to report the problem but they all respond with " I am liable for the account '' based on their " payment history information ''. I have disputed these accounts With XXXX, XXXX and Equifax. XXXX has successfully updated and deleted the fraudulent accounts from my credit report. XXXX as also deleted some accounts from my report excluding XXXX XXXX XXXX ( XXXX XXXX   ) which still remain on my XXXX report after multiple disputes  and Identity Theft Report sent. Equifax have not removed anything from my credit report after calling and disputing the fradualnt transactions by phone and sending 2 deputes by mail with NO RESPONSE! Someone has been living their life for years pretending to be me, using these accounts to live a normal life while I suffer unable to get jobs, apartments, credit cards etc because of Identity Theft. Under the Fair Credits Act 15 U.S.C. 1681, I am requesting this information to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: NY

Complaint narrative:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a XXXX mother to a XXXX XXXX I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.

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 2020-08-18 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:
To Whom It May Concern, The reason for my dispute is the following accounts : XXXX XXXX  XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXXXXXX XXXX XXXX   XXXX, XXXX XXXXXXXX, XXXX   XXXX  XXXX I am unable to locate documentation that they comply with this requirement, which is a violation of the FCRA & FDCPA 609 ,623 611, Section 807 ( 11 ) & FDCPA 809, Under 809 failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, these above-mentioned companies are held liable as well for defamation and in the state of OHIO. FDCPA I fail to see where any of these companies are in compliance with OHIO LAW. I also have reported these accounts to the FTC, and XXXX Police Dept. I need this collection account to be removed 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 2020-08-18 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: LD Holdings Group, LLC
State: CA

Complaint narrative:
1. Had a mortgage with LoanDepot a few years ago, which LoanDepot sold to XXXX XXXX in XXXX. This loan was refinanced by XXXX XXXX XXXX, XXXX. 

2. I am in the process of refinancing to 15years Fixed with the current mortgage company, XXXX XXXX. 

3. On XX/XX/XXXX, I received a called from XXXX XXXX Specialist to clarify if I am having another mortgage with LoanDepot because it is reflecting on my credit. Which was absolutely WRONG. 

4.On XX/XX/XXXX, I checked my FICO Score and I found that LoanDepot is truly reflecting on my credit report that I have a loan of ~ {$430000.00} with a monthly payment of {$3200.00} with them. I planned to call then on Monday, XX/XX/XXXX. 

5. On XX/XX/XXXX before I even get time to call them, i received a call from LoanDepot marketer offering me to refinance my loan with them at a lower rate. I was upset! She transferred me to their servicing department. I was put through to LoanDepot staff, XXXX XXXX. 

6. When I explained my case to XXXX, he apologized and put me on a hold which was later cut off. 

7. I called severally but no success. 

8. Please, tis company is ruining my credit. The previous experience with them was horrific in which I never want to have anything to do with them ever. Kindly help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: NY

Complaint narrative:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a single mother to a baby girl, I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.

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 2020-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
To whom It may concern : Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that a late payments was reported on my account During that time, my mother fell terminally ill, and I was the only one left to care for her. As such, I had to leave my job, and my savings went toward her health care expenses. I fell on very rough times after she passed away, and was unable to make my student loan payments. 

I realize I made a mistake in falling behind, but up until that point, my payment history with you had been spotless. When I was able to gain employment once again, I quickly resumed paying my student loans, making them a priority. 

Im not proud of this black mark on my record, I would be extremely grateful if you could honor this request to remove the lateness from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score. 

If the lateness can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Kohls is using XXXX and discriminatory practices against me, and trying to hold me liable for unauthorized and fraudulent charges on my Kohls credit card account. The current charges of {$1400.00} listed on my account are all fraudulent charges. I didnt make the charges. They are fraudulent. I called Kohls and spoke with a Kohls representative and informed the representative that the current balance of {$1400.00} is fraudulent. The representative informed me that I was lying and made the charges, and the representative called used a XXXX  slur against me and called me a lying XXXX and hung up the call on me. This was totally wrong and unlawful business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-08-18 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: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I can't believe what I saw on my credit report.. It says late 120 days on my PAYMENT Status. Very inaccurate because there are no lates on my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, My problem is I have been using Chase bank debit card since XXXX. I lost my debit card on XX/XX/XXXX and then called the bank to open a claim about it because someone took my $ XXXXThey added temporary credit to my bank account. When I check to my account today. They took money back. I called customer service and asked them. They just told your claim is denied because you told us my card is with me. Actually I am an XXXX student so I misunderstood their question for sure I lost my debit card also I have a police report. One of my friends recommended your website. Please help me to figure out my problem. They can check cameras or everything. 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: WI

Complaint narrative:
I have a balance of {$2500.00} in my cash app and they have closed my account and I can not even log in to my account. Please help me get my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Misleading Ad on XXXX website leading to rejection and detrimental effect on my credit score - SPECIAL OFFER FOR YOU IS DECEPTIVE AND IMPLIES A HIGHER CHANCE OF ACCEPTANCE. 

Link on XXXX website was accessed on XXXX. It clearly stated " Special Offer for you. '' I have the XXXX store credit card so my thought was that my good history with that card may have been shared to generate this special offer. Also admonishes that if you leave the webpage, the offer may be rescinded or inaccessible. 

Called the AMEX number on the digital rejection letter. Transferred twice, spoke to three total people. The second agent said the third agent would be asking for my SSN to pull up the details.The third agent did not ask for my SSN.He just kept repeating that I had read the terms and conditions of the cardholder 's agreement. He would not acknowledge my concern of deceptive advertising which I felt was akin to a pre approved offer or at the very least there was a high chance of acceptance. This was for the AMEX XXXX XXXX XXXX Card with extra perks for shopping on XXXX with attractive terms. My score is right around the 700 mark. Then called XXXX and she had absolutely no process in place to escalate the complaint. FInally I did email Manager-XXXX and essentially gave a condensed version of what I am detailing in this complaint. This hard inquiry will last two years and current creditors with whom I am good standing with may see this and I risk account closures and/or unfavorable interest rate adjustments. I would like this removed from the credit file so that I do not have this liability for the next two years. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Ascendium Education Group
State: GA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-08-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America charged my checking account twice for my XX/XX/XXXX, Mortgage {$1300.00}. I have called BOA on XXXX talked to XXXX I was told the money will be returned in 3 days did not happen, XX/XX/XXXX talked to XXXX same thing a couple days, XX/XX/XXXX XXXX said it will be 3 days but I will give you a C # SR XXXX, XX/XX/XXXX talke to XXXX a couple of days, XX/XX/XXXX XXXX said you will get your overpayment, today or by XX/XX/XXXX, I am still waiting for the overpayment, and I did file a complaint with the XXXX C # is XXXX. PLease Help Me. Thank You 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 monetary relief
Consumer complaint received 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX continues to change the dates of the file they had in my name-I DID have a card with them but IT HAD A BUNCH OF UNAUTHORIZED CHARGES ON IT FROM ID THEFT THAT THEY NEVER FIXED AND EVER SINCE THEY KEEP CHANGING THE DATES TO HURT MY CREDIT WHEN I HAVENT HAD CREDIT WITH THEM IN OVER A DECADE! ALSO ... 
( 2 ) As I was the victim of ID Theft due to the Equifax breech and others, my credit was SEVERELY COMPROMISED and I have paid a heavy price for it even trying to change my social sercurity number with no luck cause the SS guy didnt want to do his jobn ( I qualify in two kf the three reasons to change ones SS number-my number is one away from my Brothers and that has cause MANY problems as well AS I AM THE VICTIM OF ID THEFT AT ITS FINEST ) and finally ... 
( 3 ) Also there is about THIRTY HARD REQUESTS FOR CREDIT ON MY CREDIT WITH THE THREE MAIN BUREAUS AND I HAVE ALERTED THAT ONLY ABOUT FIVE OR SIX OF THOSE ARE MINE AND THE REST ARE ID THEFT AND SHOULDNT BE HURTING MY CREDIT BUT THEY ARE AND THEY NEVER TAKE THEM OFF!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background
State: MD

Complaint narrative:
I have a previous XXXX XXXX XXXX dating past 7 years. I applied for employment and record discloses information past the legal limitation in my state of Maryland.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Capital one refused to close my card despite fraudulent charges on the account, including charges made by them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18 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: MI

Complaint narrative:
Experian, XXXX and XXXX I am sending my Affidavit from the Federal Trade Commission which state the student loan for {$49000.00} is fraudulent and not mine. 


The FTC advice me to close this account due to identity theft. I have filed a police report. The Department of Education has already started an investigation. The student loan for {$49000.00} is fake because XXXX XXXX legally was not my lender nor owner of my student loan. XXXX never sent me any legal document I signed for a loan in the amount of {$49000.00}. XXXX never sent Disclosure statements required under the Higher Education Act. Truth IN Lending. So close this account while the investigation is in process with the FTC and Department of Education and other law enforcement.

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 2020-08-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The company is reporting my auto loan late 30 days also 60 days late when the account is not late and My account was put on deferment XX/XX/XXXX XX/XX/XXXX natural disaster it was granted so I was informed that there would not be a late fee and they would not put my account to late status. But its still reporting late on my credit. Also XX/XX/XXXX & XX/XX/XXXX my account was granted and approved for Covid 19 assistance and put the amount due to the back of the auto loan. My account is in good standings but they keep reporting negative as its impacting my credit score. Please I just want them to update correctly as I was told they would but never done. XXXX is reporting XX/XX/XXXX late, XXXX & XX/XX/XXXX late. XXXX is reporting the same as XXXX, and XXXX is reporting XXXX & XX/XX/XXXX late XX/XX/XXXX late & XX/XX/XXXX late.

Company response to consumer: Closed with non-monetary relief