vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
Over 3 hours in phone call time on multiple occasions were made regarding force placed insurance on a new loan transferred to Flagstar bank. Resolution has been promised for several weeks regarding updating an escrow analysis on my account. To date, the payment still reflects monies owed in escrow despite all insurance documents being provided and approved from their insurance department. There is a fundamental lack of communication within Flagstar 's departments which causes confusion and prolonged resolution time.

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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have sent numerous requests to Experian, XXXX, and XXXX  regarding inaccurate addresses that do not belong to me on my credit reports. I sent letters to all 3 bureaus on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. each time I attached my social security card proof of address and my utility bill proof of address along with my identification and all 3 bureaus keep not processing my request for removal of the followin addresses : Experian - XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX  - XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN 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 non-monetary relief
Consumer complaint received 2020-05-28 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: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, I HAVE SENT ALL REQUIRED ITEMS TO EXPERIAN AND TO XXXX CARDS XXXX  TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THE NOTARIZED DOCUMENT WAS ALSO SENT TO EXPERIAN AND TO XXXX CARDS TO HAVE THE FRAUDULENT ACCOUNT. THE ACCOUNT AND THE CHARGES ARE NOT MINE.I HAVE NEVER OPENED THIS ACCOUNT NEVER MADE ANY CHARGES. NOW AS A CONSUMER I AM REQUESTING TO PLEASE HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I MA TRYING TO BUY A HOUSE AND THE FRAUDULENT ITEM ON MY CREDIT REPORT IS GIVING ME HARDSHIP. AGAIN I HAVE SENT NOTARIZED ITEMS TO XXXX AND TO EXPERIAN TO SHOW THAT I AM VICTIM OF AN IDENTITY HTEFT, HOW FAR IS THIS TO 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 2020-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
Choice Rec Is reporting 4 collection accounts that are a result of Idenity theft. One in the amount of XXXX. Two in the amount of XXXX and one more in the amount of XXXX. I notified XXXX  and added a fraud alert to my profile. XXXX  opened a dispute and they claim that the accounts were verified. per the FCRA once the credit agency receive notification that the account is related to Idenity theft they have 4 days to remove it from my credit report. I gave notification to XXXX  on XX/XX/XXXX and all they did was open a dispute. I would like these accounts removed from my report immediately please. This is stopping me from receiving Financial assistance Needed due to Covid 19

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: DISCOVER BANK
State: CA

Complaint narrative:
I have called twice to close my Discover credit card and it is still showing as open online and on my credit report. I closed one of my other credit card 2 days ago and it is showing as closed on my credit report right away so this makes no sense why Discover has not closed my account. 
Please close my Discover card ending in XXXX and send me written confirmation of this! 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28 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: CA

Complaint narrative:
XXXX XXXX  Last reported XX/XX/2020 {$340.00} Reported balance XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-05-28 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: CA

Complaint narrative:
XXXX XXXX  Last reported XX/XX/2020 {$340.00} Reported balance XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
I see multiple 120-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: KS

Complaint narrative:
I got a XXXX $ payday loan in 2016 from speedy cash. I offer to pay what I owed. Because of a judgement they put on me..for XXXX now it has went up XXXX $ because I supposedly owe that interest

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Synchrony Bank is back using their same old habit of sending a bill one month and skipping one month so they can continually add fees to my bill. At the rate they are going I will never get the bill paid down. I have reported them once and for months they stopped their sneaky process. They are back at it. XXXX has numerous complaints about XXXX. How can they continue to do this? It's strange that XXXX XXXX credit card was switched to XXXX XXXX and there's never a problem. Add their constant calling to this COVID virus and it's enough to make a person scream. Do they not know that a disaster is happening? Are they just really that cold? I have about had it.Once I get the bill paid off which will take forever the way do business I am going to cut their cards into pieces and mail them to them.

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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion  continues to charge me {$14.00} for and account that I have not logged in for years and they licked me out of.

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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have sent numerous requests to XXXX XXXX, and Transunion regarding inaccurate addresses that do not belong to me on my credit reports. I sent letters to all 3 bureaus on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. each time I attached my social security card proof of address and my utility bill proof of address along with my identification and all 3 bureaus keep not processing my request for removal of the followin addresses : XXXX - XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX - XXXX XXXX XXXXXXXX CT XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN 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 explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have sent numerous requests to XXXX, Equifax, and XXXX   regarding inaccurate addresses that do not belong to me on my credit reports. I sent letters to all 3 bureaus on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. each time I attached my social security card proof of address and my utility bill proof of address along with my identification and all 3 bureaus keep not processing my request for removal of the followin addresses : XXXX  - XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Equifax - XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am unable to connect my PNC bank business checking account to another service via the Plaid system. Please inform PNC that consumers should be able to share their information as they please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I'm filing a complaint on National Credit Systems XXXX XXXX XXXX XXXX   XXXX, XXXX GA XXXX. 
After receiving a notice from National credit systems about owing them {$170.00} I contacted them by mail to informed them the debt did not belong to me and it was a result of identity theft. I contacted the credit bureaus ( XXXX and XXXX ) to report the matter after waiting for over 6 months I was told the item was verified with no supporting documents. I contacted them again and was advised to contact the federal trade commission. once I contacted the federal trade commission I was referred to consumer finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
To Whom this may concern, While reviewing my credit report on XX/XX/2020, I noticed an incorrect and fraudulent collection account from IQ data international inc. I reached out to this institution via phone # XXXX XXXX XXXX XXXX on XX/XX/2020. I spoke with XXXX, ID # XXXX. I advised her I do not have an account with IQ data international inc and do not agree to debt. I advised I have no knowledge of this account nor have I done any business with this company. I explained that I do not have a signed and dated agreement from IQ data international inc. I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. I have placed a fraud alert on my social to avoid matters as such in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, I HAVE SENT ALL REQUIRED ITEMS TO XXXX AND TO CITIT CARDS CBNA TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THE NOTARIZED DOCUMENT WAS ALSO SENT TO XXXX AND TO CITI CARDS TO HAVE THE FRAUDULENT ACCOUNT. THE ACCOUNT AND THE CHARGES ARE NOT MINE.I HAVE NEVER OPENED THIS ACCOUNT NEVER MADE ANY CHARGES. NOW AS A CONSUMER I AM REQUESTING TO PLEASE HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I MA TRYING TO BUY A HOUSE AND THE FRAUDULENT ITEM ON MY CREDIT REPORT IS GIVING ME HARDSHIP. AGAIN I HAVE SENT NOTARIZED ITEMS TO CITI AND TO XXXX TO SHOW THAT I AM VICTIM OF AN IDENTITY HTEFT, HOW FAR IS THIS TO 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 2020-05-28 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: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, I HAVE SENT ALL REQUIRED ITEMS TO EXPERIAN AND TO XXXX XXXX XXXX TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THE NOTARIZED DOCUMENT WAS ALSO SENT TO EXPERIAN AND TO XXXX XXXX TO HAVE THE FRAUDULENT ACCOUNT. THE ACCOUNT AND THE CHARGES ARE NOT MINE.I HAVE NEVER OPENED THIS ACCOUNT NEVER MADE ANY CHARGES. NOW AS A CONSUMER I AM REQUESTING TO PLEASE HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I MA TRYING TO BUY A HOUSE AND THE FRAUDULENT ITEM ON MY CREDIT REPORT IS GIVING ME HARDSHIP. AGAIN I HAVE SENT NOTARIZED ITEMS TO XXXX AND TO EXPERIAN TO SHOW THAT I AM VICTIM OF AN IDENTITY HTEFT, HOW FAR IS THIS TO 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 2020-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
While traveling two years ago a XXXX employee talked me and my wife into signing up for a XXXX credit card to earn fly miles. She told us we could cancel the card anytime. I made made a few major purchases to earn miles. I paid off the card to avoid interest, and the card has not been used since. I received a statement on XX/XX/2020, for {$95.00} for an annual fee, so did my wife.We had no idea what they had opened two accounts. We cancelled the cards immediately. They said we still had to pay the fee because we had to cancel the card by XX/XX/XXXX, We did not receive the statement until XX/XX/XXXX. How could we know?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I HAVE ATTEMPTED TWICE TO DISPUTE THE INACCURATE ACCOUNTS ON MY CREDIT REPORT, ASKING FOR VIABLE EVIDENCE BEARING MY SIGNATURE. THEY HAVE NOT GIVEN ME PROOF BUT WANTS TO DISCONTINUE INVESTIGATION.

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 2020-05-28 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: FL

Complaint narrative:
Experian UNFAIRLY IS REPORTING INACCURATE CREDIT INFORMATION PLACING CREDITORS ABOVE CONSUMERS. Experian has a Financial Duty to VERIFY INFORMATION REPORTED IS ACCURATE. See attatched Experian Dispute Results # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX WAS NOT OPENED BY ME. I REQUESTED DRIVERS LICENSE AND SIGNATURE TO OPEN THIS ACCOUNT BE VERIFIED BY EXPERIAN THEY DENIED. ( Kindly Note REINVESTIGATION OPTIONS ARE TO CONTACT THE PROVIDER OF THE IN CORRECT REPORTING. THIS COULD NEVER BE A FAIR FIX FOR CONSUMERS. ) I demand Experian XXXX VERIFY THIS ACCOUNT WITH DRIVER 'S LICENSE AND SIGNATURE TO OPEN IN MY NAME XXXX OF XXXX OR DELETE IMMEADIATELY ***** Verify Address ID # ALSO PLEASE XXXX as my Address. Please Provide XXXX ACCESS TO DISPUTE DIRECTLY WITH EXPERIAN LINK.

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 2020-05-28 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: CO

Complaint narrative:
I will attach my FTC Identity Theft Report, driver 's license and SSC. I am a victim of Identity theft. This has happen to me on multiple occasions. I've tried contacting Transunion multiple times but they won't help me remove those fraudulent inquiries. I've done everything in my power to get this done so me and my family can move forward. With the whole COVID-19 pandemic going on, we don't need this additional stress.

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 2020-05-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed negative and erroneous items on my credit report, and i haven't heard a response back yet, and its been pass the 30 day deadline. I sent off letters via certified mail on XX/XX/2020 they received said mail XX/XX/2020. EQUIFAX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Since XX/XX/XXXX I'm disputing this account, asking for proof because I do not recognize the account as mine. On XX/XX/XXXX I dispute the account asking for validation. Portfolio just sent a letter saying the account is verified. On XX/XX/XXXX I sent a letter asking for information about the account and just sent my the same letter stating the account is verified. They never sent my any proof of the account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Barclays Bank offered a settlement ( in writing ) in XXXX XXXX, for a credit card debt with them ( 35 % of the total balance ). All payments were made, and on time. After the last payment was made, they apparently wanted to collect the remainder of the debt. They didnt acknowledge the final payment was made, and demanded the entire balance. They continued to disregard that the settlement agreement was fulfilled, and when I refused to pay any more ( all the while reporting a bad debt and lowering my credit score ), they eventually charged off the debt and sold it to XXXX XXXX in XXXX. Now in XXXX, the last few months XXXX XXXX is aggressively pursuing the entire debt, even to the point of sending the debt to a debt collection law firm, I assume to file suit. As XXXX XXXX investigates my disputes of this debt, all they are getting from Barclays Bank are credit card statements showing the total amount of the account and total debt which was sold to them. There is no acknowledgement of the settlement agreement which was offered and put in place by Barclays Bank, or that I paid the agreed upon payments according to the agreement. They apparently just did not take the last payment so they could claim the agreement was not fulfilled, thus allowing them to charge off and sell off the entire balance. I have kept copies of the agreement and statements from the bank used to pay the 4 agreed upon payments, so that will be my evidence if this comes before a judge. Those documents are uploaded with this complaint.

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