vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-18 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: NY

Complaint narrative:
I feel my personal informantion was taken and used to get car loans and credit for numerous lenders i was advised to submit this form to take actions for the fraudulent accounts that was open in my name without my authorization I hope this will bring and to issue

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 2019-02-18 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: MO

Complaint narrative:
Equifax is reporting unverified information on my credit report. Below are listed items that have been disputed but I have not received a response with any proof of accounts belonging to me. I have no contract with any of these creditors. 

XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX Last reported : XX/XX/2019 XXXX XXXX XXXX Last reported : XX/XX/2019 XXXX XXXX XXXX Last reported : XX/XX/2019 XXXX XXXX XXXX Last reported : XX/XX/2019 2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: MN

Complaint narrative:
I recieved a letter from XXXX XXXX  on XX/XX/XXXX stating my mortgage loan would be transferred from Stearns lending LLC to XXXX XXXX  effective XX/XX/XXXX. In this notice of servicing transfer, it stated Stearns lending LLC would stop accepting payment recieved from me after XX/XX/XXXX. Those are the words used verbatim. I recieved another letter from Stearns lending LLC on XX/XX/XXXX stating The notice of loan transfer it states verbatim : the servicing of your mortgage loan is being transferred, effective XX/XX/XXXX. This means that after this date, a new servicer will be collecting your mortgage loan payments from you. Nothing else about your mortgage loan will change. Stearns lending LLC c/o XXXX XXXX XXXX is now collecting your payments. Stearns lending LLC c/o XXXX XXXX will stop accepting payments recieved from you after XX/XX/XXXX. XXXX XXXX   mortgage will collect your payments going forward. Your new servicer will start accepting payments recieved from you on XX/XX/XXXX. Send all payments due on or after XX/XX/XXXX to XXXX XXXX XXXX  XXXX at this address ( then they gave me the info for XXXX XXXX  ). I then set up automatic payments to start for XXXX XXXX  on XX/XX/XXXX on their website. I looked at my bank account on XX/XX/XXXX to make sure the new payment went through smoothly to see a negative balance because Stearns LLC STILL took my mortgage payment out. So, now I had paid my mortgage payment not only to XXXX XXXX ( new servicer ) but the payment had also been made to Stearns as well without my permission. I tried calling Stearns on XXXX and someone told me they were taking care of it and they would overnight me a check. That never happened. I proceeded to call both companies numerous times daily for weeks trying to figure out where my money was and neither company knows where it is. Stearns stated on XXXX over the phone that my loan was actually tranferred on XX/XX/XXXX and that the funds were sent over but XXXX XXXX  states those funds ( the mortgage payment made on XXXX to Stearns ) was never recieved and that it could take up to 30 days from the transfer to see those funds. Another person stated from Stearns that the money was in a suspended area of the account and that they dont know where the money is now. I am currently on maternity leave and I do not have the money to be able to pay my mortgage this coming month now because Stearns took this money from me and refuses to give it back. I filed fraud for the payment at my bank a week ago but still have not recieved any information as to where this money is or how to get it back. I am out of options and need help.

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 2019-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I went to XXXX to get my reports. I asked me to select which reports I wanted. I selected XXXX and Equifax. I was able to see my XXXX report and print it however it did not give the opportunity to see the Equifax report. I attempted to submit it again and it gave me an error message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-18 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: NY

Complaint narrative:
I feel my personal informantion was taken and used to get car loans and credit for numerous lenders i was advised to submit this form to take actions for the fraudulent accounts that was open in my name without my authorization I hope this will bring and to issue

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 2019-02-18 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: NY

Complaint narrative:
I feel my personal informantion was taken and used to get car loans and credit for numerous lenders i was advised to submit this form to take actions for the fraudulent accounts that was open in my name without my authorization I hope this will bring and to issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-18 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: MO

Complaint narrative:
XXXX is reporting accounts that are not verified properly. I have not been given any proof that these accounts belong to me. Also, showing 17 late payments and 10 collections. All accounts were sold to different creditors that I have no contracts with the original creditor nor the companies that the said debt was sold to. All contracts were breach by original creditor when debt was apparently sold to debt collectors that I have no contract with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-18 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
In XXXX and XX/XX/2018 It says I missed Payments. I thought my Student loans were still in deferment. I am was in financial hardship and couldn't afford any I didn't know the information needed to see my status of delinquency at the time. The balance had gotten up to {$920.00} and I couldn't afford that. I reapplied to deferment and got approved again but the damage was already done and my delinquency was reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: Titanium Funds
State: UT

Complaint narrative:
Titanium funds and XXXX XXXX are reporting the same debt on my credit file. They are double reporting and this is a violation of the FCRA!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
Spoke to this representative and a letter was sent to the bureaus to remove this item from my credit and its still on my report This item should be removed from my report and the bureaus still reporting this collection account as valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I opened a Chase Freedom account in XX/XX/XXXX with an introductory offer of 0 % APR for 15 months. I have made regular payments of at least the minimum payment due for the life of the account. I anticipated the intro APR would expire in XX/XX/XXXX and I was prepared to make a full payment for the balance of my account. However, the XX/XX/XXXX statement did not indicate that the APR would revert immediately as of the statement date and would begin being applied daily to my outstanding balance. The 0 % rate was noted to expire as of the date of the statement, but misleadingly juxtaposed with the 17.24 % rate listed with a {$0.00} balance subject to the respective interest rate. At the time, I was surprised that both the intro and the new interest rate both appeared on my statement, and so believed that the billing cycle for XX/XX/XXXX to XX/XX/XXXX would be a grace periodas if the balance held during this time were the equivalent of purchases made prior to the XXXX statement and would only require payment by the due date listed on the XX/XX/XXXX statement to avoid interest. Much to my dismay, I received the XX/XX/XXXX statement to find that interest had been accruing as of the date of my last statement. I made an immediate payment on the same date for the entire balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I understand that i owe on the bill. Ive been making payments yet they just keep i feel harassing me. I got rid of my phone i can not call them i keep writing to them or contacting them through their website since XX/XX/2018 they wont help me. Its Synchrony bank. I think it's worth looking into them they probably doing it to everyone. I just don't understand how a company like this can not work with people. I know i owe I'm not denying it but i also can't afford the balance I'm just asking them to work with 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 monetary relief
Consumer complaint received 2019-02-18 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX and XXXX XXXX are reporting the same debt on my credit file. They are double reporting and this is a violation of the FCRA!

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 2019-02-18 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: OH

Complaint narrative:
I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX XXXX please delete any and all variations of my name THEY ARE NOT ACCURATE. My current and only address is XXXX XXXX XXXX, XXXX OH XXXX. I AM A VICTIM ON ID THEFT. THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE THE FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX OLD XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX APT XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have phones numbers that are not mine showing as well please delete this unknown phone numbers ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE CONTACTED THIS COMPANY SEVERAL TIMES PAST 3 MONTHS TO DELETE AND DISPUTE THIS INCORRECT INFORMATION THAT IS BEING REPORTED ON MY CONSUMER FILE. THIS IS AFFECTING ME AND I WANT THESE REMOVED IMMEDIATELY.

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 2019-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Someone applied for 2 credit cards that I did Not authorize!!!

1 ) Citibank Na, XXXX  XXXX  on XX/XX/2019 2 ) XXXX XXXX MasterCard,  sporting goods on XX/XX/2019 I am reporting fraudulent activity!!!

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 2019-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: MD

Complaint narrative:
I entered a modification with Selene Finance in XX/XX/XXXX and never recieved any statements or tax documents for 2 years. 6 different times as in attached summary i tried to reach out to Selene about no statements or tax documents and informed them that I had no lawyer ( which was always their reason for not talking to me.XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX were dates of contact there were a few other calls not documented to.on XX/XX/XXXX and XX/XX/XXXX XXXX  told me all she had to do was send a document to law firm and wait 20 days for their responce to remove them from file so someone would talk to me as id had someone sneaking around my home taking pictures scaring my girlfriend to death saying they were from Selene finance.XXXX said the reason for that was i was 2 months behind on payments until she looked up account and no I see youve made all payments. 
Transfered to XXXX -- -- -- cant talk you have a lawyer.Informed them on XX/XX/XXXX and XX/XX/XXXX that there would be no more payments made until my questions were addressed. Letter was also sent with payment on XX/XX/XXXXand XX/XX/XXXX stating the same. On XX/XX/XXXX got message to call Selene and a letter of default and intent to accelerate. Called on XX/XX/XXXX sent to XXXX voicemail, same everyday until XX/XX/XXXX.XXXX says lawyer was removed and sent mw 2 years of tax documents and a statement.Check for februrary was mailed out same day. Seleene says they cant accept payment fill out a packet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian is reporting inaccurate information of accounts that's been sold therefore breaching any contract I may have with original creditor. Yet, I have no contract with any of said collection agency 's that trying to collect more than the actual debt was. I disputed these items but never received any real verification for any said debts. 

XXXX- {$98.00} XXXX  XXXX XXXX XXXX- {$1500.00} XXXX XXXX- {$630.00} XXXX XXXX- {$1600.00} XXXX XXXX  XXXX- {$260.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX {$1100.00} XXXX XXXX- {$970.00} XXXX XXXX- {$630.00} XXXX XXXX XXXX- {$1000.00}

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 2019-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
I go to check my credit on XXXX XXXX and I realize I have this medical bill in collections. I don't remember ever receiving a bill or notice of some sort. I don't even remember what I was at the hospital for or even if i was there. I go to a credit repair company and maybe a month later and it is off my credit and my credit is raised some points. I am happy and content. As I check my credit again about maybe a month later and it is back on there and my credit drops again. I call the debt collection agency and ask to speak to someone to remove it but they can not remove it. I'm not even sure if this is mine but the balance was low so I paid it in full but they told me they can not remove it off of my credit and only say it was a paid collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE CONTACTED THIS COMPANY SEVERAL TIMES PAST 3 MONTHS TO DELETE AND DISPUTE THIS INCORRECT INFORMATION THAT IS BEING REPORTED ON MY CONSUMER FILE. THIS IS AFFECTING ME AND I WANT THESE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE CONTACTED THIS COMPANY SEVERAL TIMES PAST 3 MONTHS TO DELETE AND DISPUTE THIS INCORRECT INFORMATION THAT IS BEING REPORTED ON MY CONSUMER FILE. THIS IS AFFECTING ME AND I WANT THESE REMOVED IMMEDIATELY.

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 2019-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC
State: OK

Complaint narrative:
I have nothing within the collection time limit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Continued CFPB case NO.XXXX Participated in Second Quater Promotion of Citi Bank in XX/XX/XXXX. Citi Bank refused to credit the bonus and required a W-8 form from me. I sent a W-8 form on XX/XX/XXXX and was declined due to missing information. On XX/XX/XXXX, A staff of Citi bank from New York contacted me directly regarding my case and asked me to send the W-8 form as well as a supplement form of W-8 form to him directly. I sent out the package on XXXX XXXX by XXXX ( tracking number : XXXX ). It was delivered on XX/XX/XXXX, I try to call the number provided on the letter : XXXX ( XXXX XXXX ) several times on a different date. It seems Mr.XXXX is with the clients or out of the office every time. Today is XX/XX/XXXX and I called Citi bank earlier today. Citi Bank started a review of my account and asked about my parents ' information. NOTHING ABOUT MY BONUS BACK TO XX/XX/XXXX. I try to chat with a representative and he said nothing was updated so far.

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